BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclay has lowered my credit limit twice in the past six months or so. The first time, they lowered it dramatically. The second time, they lowered it by {$1000.00}, just a few days ago. When they do this, they send a letter in the mail -- so I find out when I receive a credit score alert. 
I pay on time, generally more than the minimum. There have been no late payments that I know of. We recently went through some transition and are recovering from financial setbacks, as many people are. However, we are fortunate to be in a position to pay the account in full within the next two months and terminate my relationship with this company.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: CO
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: Problem getting your free annual credit report

Complaint:
I just got in mail from Experian. 
Per Colorado law report potential negative item. 
When I go to the site that lets you get free credit reports. 
Annual credit report.com I try get report for experian-I wanted to review before contacting. States company will not authorize. Gosh I have XXXX FICO.I will call but their fishing.

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 2022-06-24
Company: EQUIFAX, INC.
State: GA
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:
The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, Equifax, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX OF XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-26
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received several phone calls and voice messages from " AmeriCollect '' for a debt I had no knowledge of. When I called on XX/XX/2022 and asked for more information about the debt, they said they would send me a letter with details in 7-10 business days. Never received a letter, kept receiving calls about the debt. When I called and asked again on XX/XX/2022 for more details, received the same answer about the letter and the mail and was then told I needed to pay either the full or partial payment. Each time no information was given about the debt, besides it was for an emergency room visit for a hospital I have no knowledge of for the cost of {$530.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-19
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received a very disturbing response from the executive team stating that they did what was necessary as to the fraud results when everything was withdrawn so I am not sure why they are sticking to these so-called fraud there is no fraud everything was withdrawn and the institutions they received money from needs to be credited back which is documented and attached here. This is my previous message to them hopefully they read it and understand it this time .I XXXX XXXX XXXX into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a B/T who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute 12 B/T and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the B/T in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXXXXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: NY
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:
In accordance with Fair Credit Reporting and XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: OneMain Finance Corporation
State: NE
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:
There are fraudulent inquiries from XXXX XXXX in XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX And XXXX XXXX XXXX On XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Sometime in 2022 Comenity Capital bank purchased my credit card account from XXXX XXXX  - I was never told that the account was sold my credit card just stopped working one day. I never received notice that the account had been sold or any information from either bank with instructions on how to set up my new account with Comenity. The first correspondence I received from the bank was to inform me that my payment was late and that my account was delinquent I called Comenity on XX/XX/2022 in authorized a payment to bring my account current however they fail to process the payment. I was told at the time that a new card had been sent weeks ago and that I should have received it in the mail I believe that this is a lie I dont believe that any card has ever been sent to my address by Comenity Bank . After a couple of weeks I noticed that the payment has not posted to my bank account and that a second card that they claimed to have sent to my house has not arrived yet so I called them on XX/XX/2022 to inquire about the payment in about the new card. They claimed a new card had been sent but that the payment has been declined by my bank. When I asked why they had not contacted me they had no answer. I requested to stay on the phone with them while they made a payment from my bank account in order to make my account current which they did I paid them {$2500.00} on XX/XX/2022 and I requested a third card be sent to my home address. The third card was never sent I did however receive a letter today from the bank claiming that I was not eligible for a new card due to the status of my account. I have never missed a payment on any credit card that is currently issued to me. Comenity Bank continues to charge me late fees and interest on an incorrect balance. I believe very strongly that they are doing this on purpose in order to collect extra fees. It is my belief that they have never tried to send me a new card and that they are making it difficult on purpose for me to keep the account current. If there are any issues with my account it is the fault of Comenity Bank and not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I starting receiving text messages that A XXXX XXXX has sent me XXXX dollars into my Venmo Account. I received several of these texts equaling a total XXXX XXXX. Immediately I starting having withdrawals from my bank account through my attached debit card of XXXX. I was quick enough to catch the XXXX withdrawal and was able to cancel my debit card through my bank. I still have pending withdrawals in my Venmo account and I am afraid that Venmo will come after me for this money. I have contacted them and after their investigation they have determined that I have violated their policies and frozen my Venmo account and closing the one I have. They also said that the XXXX dollars will be held up to 180 days before they will refund it to me. Their customer service seems to be in a foreign country ' and it is hard to understand them and was told by the person I talked to that I was to reply to the email they sent me because that is the only way I can talk to the person handling the complaint. In my reply to the email I told them I have not committed any fraud and that the XXXX dollars is not mine. My financial institution has determined that fraud was committed against me and that they are going to refund me the XXXX that was taking from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: OH
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:
As a consumer, I know that I have a right to privacy Pursuant to 15 USC 1681 ( a ) ( 4 ) under Federal Law, and Experian has infringed upon my rights to privacy. On XX/XX/2022 I logged onto a monitoring service to review my consumer report. When I logged on, I noticed an address that I have never seen before. I originally contacted Experian on XX/XX/XXXX to remove old addresses, and to update my name, however, I was not expecting to see an address that I never gave consent to furnish on my individual report. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), It states that any consumer reporting agency may furnish a consumer report under the following circumstance and no other : In accordance with the written instructions of the consumer to whom it relates. Experian is in direct violation of this statute. I did not give Permissible purpose nor did they have my written instruction to furnish this information. My main concern is where did they get this information, and who told them to do this? This constitutes Identity Theft and Fraud, under Federal Law and I am owed remedy. 

Furthermore due to the rising Identity theft that is going on, and all the information that I had no idea was furnished on my report I sent Experian a letter not only demanding that they update the correct location information on my consumer report, but I also sent them an FTC identity theft report telling them to block all the information on my report, that I believe is Identity theft and fraud. They informed me that they couldn't which made no sense to me because the information that I sent was in the form of an affidavit of facts and once again my rights have been violated.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}

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