BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX XXXX XXXX sent me an email of an Adverse Notice of Credit Limit Reduction from {$19000.00} to {$1000.00} stating as the reasons that Experian had reported the following : ( 1 )  High utilization of revolving credit accounts ( 2 ) One or more accounts with balances that exceed my credit limit ( 3 ) Credit report indicates a serious delinquency on one or more accounts and ( 4 )  Recent decrease in my FICO score. 

I attempted to get my Experian Credit Report first through XXXX on XX/XX/XXXX. I then tried Experian directly on XX/XX/XXXX, XXXX, XXXX and XXXX, each time after identifying myself and answering their security questions was denied online access to my report. 

On XXXX, after an hour 's wait I finally was able to talk to XXXX and XXXX of Experian @ ( XXXX ) XXXX who explained to me that because I was not in the U.S. I couldn't gain access to my report online. I asked if I could request a " hard-copy '' sent to my mail-forwarding address and just got a " maybe ''. I just mailed my request for that on XXXX. 

With 9 million Americans living abroad, I find it incredulous that we have NO RIGHTS to be able to face our accuser, Experian, and have an opportunity to question the accuracy of information that has been reported. Otherwise we are at the mercy of Experian with no way to correct or challenge what is in our credit files and BAD credit information will follow us no matter where we are in the world even if we become a victim of identity theft. 

Without access to credit report, in whatever form, I can not defend myself from XXXX XXXX ' XXXX action, or anyone else who may take adverse action. 

I understand that Experian has to be vigilant in protecting the process of access, but after 8 security questions you would expect that you've properly identified yourself and should be granted access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX. XXXX XXXX inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 


I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Payward Ventures Inc. dba Kraken
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
{$9.00} I had open up a virtual account to invest in crypto currency with Kraken website kraken.com. I open an account with a a modest transfer ( as test ) of {$10.00} to purchase a crypto currency symbol USDC. Did a transfer on XX/XX/2022, kraken took a modest transfer fee of XXXX cents. Had total credited amount of {$9.00} which I used to buy the USDC crypto currency. Received email XX/XX/XXXX advising me, they were closing my account due to security reasons, that they could not disclose and I had 3 days to transfer my account funds. I contacted there customer service desk. Spoke with a nice fella named XXXX, and explained to him about receiving the email, he said he could not speak on the matter, but he would escalate the matter. Well I called and emailed the original source sender of the email, kept getting the same stonewall message I need to transfer my funds from kraken to another account from kraken, for security reasons, that they could not discuss. I did transfer my money I least I thought I did to XXXX. But they seem to have never received it. My kraken account has been closed and my money is no where to be found. I took screen shots of my account showing the funds in the account. So I do have documentation. In addition to do the involuntary forced they took a fee of {$3.00} for transferring, which is quite absorbent. I look online if this has happened to others, it has. This highly unusual and bizarre coming from a company that seems to backed by very large institutions. I did research. XXXX going with them as being the most trustworthy based on the players backing this company. It seems my trust was mislayed. I like my money back. 

Sincerely XXXX XXXX XXXX. : : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bait & Switch by Bank of America. When purchasing a 2nd home for use by my family, a week before closing, B of A refused to honor the originally quoted interest rate because I had requested early occupancy by the owner, for which I agreed to pay one months ' rent. B of A said that because of this, the property had to be financed as " Rental Property '', thus raising the interest rate by XXXX points. I told B of A I would not be renting the property at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is regarding Flagstar 's violation of Servicing Rules for Successors in Interest. 

After attempting to talk to someone at Flagstar on the phone, for several months, on XX/XX/2019, I notified Flagstar loan servicing department regarding loan XXXX, " This loan is in my ex-husband 's name but I got the house in the divorce. I am aware he is behind on payments - what can I do to get the loan into my name? " .I never received a response from them of any kind. 

It wasn't until XXXX, when I was made aware that the house might go into foreclosure that I was advised that my ex-husband needed to execute a third party authorization in order to speak with me since my name was not on the loan. On XX/XX/2019, I sent the requested signed document to Flagstar. 

The loan was modified in XX/XX/2019 ; however, it has come to my attention that Flagstar should have contacted me when I notified them in XX/XX/2019 as to what my courses of action were to get the house transferred to me. Had this been done, I would have taken care of that ; the house wouldn't have fallen into foreclosure and I would not be looking at a home loan that is more than {$10000.00} greater than the original loan due to my ex-husband 's violation of the court order for support payments, subsequently resulting in lack of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a loan and a unknown account was place in my credit report, How is possible Equifax report an unknown collection which doesn't really make sense what's the creditor name address or phone number How could I possibly match this to anything when there's nothing to identify Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this account can not report, How could I possibly match this to anything when there's nothing to identify

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CITI CARDS XXXX XXXX XXXX XXXX PA XXXX Member Since XXXX Account number ending in : XXXX The company on his own produced false justification to cancel fully paid off credit card with {$18000.00} credit limit and XXXX due balance. A silly alarm was given at charge {$99.00} to XXXX I am using at least 10 years. In XXXX there was no issue. In XXXX the same transaction is causing cancelling the card. Total ridiculous treatment of messy agents providing 'excellent customer service '. They can not understand that someone works in XXXX and has two ( 2 ) properties in USA. The card was mostly used to pay insurance or transfer balance if an 'low interest ' offer came. Subsequent interest rate increases to 25 % p.a. despite of timely payments for over 20 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Date - XX/XX/2020 Amounts - Unknown I received an email from Experian that my dispute had been submitted, " You have opened a dispute on your Experian credit report. '' However, I did not open a dispute. When I selected the " not you '' option on their website, it said, " If you don't recognize this activity, contact us. '' phone number is XXXX. When I called, it was just a recording and phone tree about memberships and fraud, there was no option to speak to a human or to get report an issue. So the problem is, ( 1 ) I didn't file the dispute, ( 2 ) there isn't a way to find out how or what the dispute is about, ( 3 ) Experian 's customer service is a dead end and useless when it comes to fixing a problem within their own system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Defense fin & acct svc In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged XXXX to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been getting a call starting XX/XX/2020 daily. The debt collector XXXX XXXX could not tell me the company she was calling or the reason for the call but stated each call I will have a case filed against me with XXXX County and they will be calling my job to speak with my supervisor. I also saved a voicemail when she called my XXXX year old daughter trying to locate me for a case filed against me and said that my daughter name and address is the most likely location for me. This totally terrified my child had her thinking I was going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX XXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX  account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For a little over a year i have been trying to get information about something that is reporting on my credit report. I have mailed letters and called this company over 15 times and i have talked with managers, collections, customer service reps etc. and i get told the same thing every time. " Sir, we have no record of you in our system at all and we don't know why its reporting to your credit report, you should file a dispute '' I even offered to take care of the balance, but they have NO IDEA who i am in their system. you can pull the " recorded '' calls and verify that i am telling the 100 % truth. 
So I fill the dispute and then i get " everything is reporting accurate '' I am genuinely confused with everything and i don't know what else to do. This fraudulent account that is being reported on my credit is keeping me from being able to buy a house refinance my auto loan for a better rate and so much more. Please help me get this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Did n't verify collection, no contract, no signuture

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation