BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-17
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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 2020-12-25
Company: DISCOVER BANK
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received a letter dated XXXX XXXX from Discover stating that during a review of my credit situation my credit line was decreased from XXXX to XXXX. The balance on that card was a little over {$7000.00}, the decrease gave me a % 100 utilization on that card. 
I have recently started a XXXX XXXX XXXX and have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year. I am not receiving donations right now because my XXXX status has not been approved, I will not get a result about my IRS application until after XX/XX/2021. I have used my credit cards for the XXXX XXXX bills and my XXXX XXXX XXXX. I have also had to finance a roof this year because the one on the house was leaking. 
I would also like to add that I have had a % 100 on time payment for every single one of my credit cards, have never maxed out any of my cards, and usually pay off large balances. For Discover to have lowered my credit limit, giving me a % 100 utilization on this card, is an intentionally hurtful, unfair business practice designed to perpetuate the problem I am currently experiencing with my credit score which affects insurance rates, interest rates, if I have an emergency and need a loan it will not be approved. This practice needs to be stopped. A credit limit shouldn't be able to be lowered when there has been no history of irresponsible payment practices of the borrower. It should be viewed on an individual basis and then decided on review of specific circumstances. 
I have requested that Discover close this account as I will no longer be doing any business with a company that will intentionally hurt me. I was told that they are still going to be charging me interest. How is that fair? How is any of this fair? This is predatory. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Rocket Mortgage, LLC
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Upon receiving information regarding refinancing while reading information via email from Quicken Loan, I did not authorize them to do a credit inquiry. I decided to cancel any additional services to inquiry. The request on my credit report lists Quicken Loan as making a credit inquiry, this was not authorized and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Atlanticus Services Corporation
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Purchased security equipment through XXXX and was told I could finance through them, with a company called Fortiva. I received a 60 month no interest agreement with set payments of {$66.00} a month on {$4000.00}, however my contract states the purchase was {$3300.00}. I woke up to find this was placed on my credit report as a revolving line of credit with a balance of {$4000.00} and line of credit of {$4000.00}. This dropped my credit score 90 points as I have daily monitoring. When I spoke to the company they told me there was nothing they could do in regards to increasing the limit so it wouldnt show up as maxed to the limit and that they can only provide credit up to the amount of the equipment purchase and you can only purchase with XXXX.I was never made aware this would appear on my credit report, it was sold to me as I would be financing the equipment through my alarm company. Almost like financing a new XXXX through your cellular telephone company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a business checking account with Bb & t and I have not been getting my bank statement. And someone wrote a fraudulent check using a starter check without my name or address but it had my account and routing number on the check for {$4.00} and they despoit in a united federal credit union in XX/XX/XXXX. My son has been in and out the hospital and he passed away on XX/XX/XXXX and when I went to pay for his final expense the card declined and I went to bbt and they acknowledged that the check was fraudulent and filed a claim but denied it. I have had this account dunce XX/XX/XXXX and I have never had to a problem. I work hard and have a family and do not have a dime to my name. They did not contact me regarding the check before cashing it.

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 2022-03-17
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MD
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:
I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the Experian, XXXX, and XXXX to investigate this and have it removed.

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 2017-04-24
Company: American Northwest Recovery Solutions Inc
State: TN
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: Investigation took more than 30 days

Complaint:
I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: TX
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:
I have been trying for one year to get my credit report and score. I have submitted numerous of times my identifying information and was told over and over that information has not been received. I called to get address to overnight the information to make sure that information was received and was told by two different representatives that there is no such address. After numerous calls, I was finally given an address. Credit reporting company still has not given me my credit report nor score as of today 's date.

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 2020-12-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.

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 2022-03-17
Company: EQUIFAX, INC.
State: MD
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:
I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, XXXX, and Equifax to investigate this and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, Transunion, and XXXX to investigate this and have it removed.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: LA
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 Crefit Reporting Act XXXX the accounts listed below 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. 

XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Auto Loan Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Debt Buyer : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : XXXX XXXX 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}

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
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
State: NJ
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:
In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears on 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 2022-03-17
Company: Phoenix Financial Services LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. I sent this company a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX requesting validation of debt and HIPAA authorization and requesting that they delete this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX In accordance with the fair credit reporting Act This creditor has violated my rights. 
( Citi Bank Financial ) under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-09-01
Company: ORG GC GP Buyer, LLC
State: CA
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:
GC Service is being completely unreasonable. 

My husband and I were traveling around XXXX XXXX, 2015 on a 6 week trip. He became sick and we needed cell phone service that worked where we were. XXXX did not work. We had to switch carriers. When I called to cancel service I asked what I owed and was told there was no final bill available. However according to your company, on XXXX XXXX, 2015 a final bill was sent. We did not receive any final bill and it went to collections in just XXXX60 days!! We did pay immediately when we found out about it. 

Paying did not help my XXXX scores XXXX single point. this is very unfair. It never would have XXXX to collections if I had received a bill as I would have paid it. 

This is the ONLY negative item on my credit report and it is preventing business lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019 from American Coradius International stating that I owed a debt regarding my account with XXXX. I have an account with XXXX, but it has no balance. 

The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant emotional stress and caused me to undertake the time and expense of sending a certified letter disputing the debt. 

On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof. 

I have not heard back from them since. 

In trying to collect a debt from me regarding a XXXX account, when I have a XXXX account in good standing, American Coradius International failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) emotional harm, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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:
ADDRESS ON THE ATTACHMENT ITR DOES NOT BELONG TO ME

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 2018-07-03
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I received an email that the IDR repayment plan would end on XX/XX/2018 if I did not reapply by XX/XX/18. 

I reapplied that same day and received notice on XX/XX/XXXX that the application was received. On XX/XX/2018, I received an email that the payment next payment due on XX/XX/2018 will be {$2400.00}, which is much higher than the current income driven play payment of {$420.00} and several months ahead of the scheduled end date of XX/XX/2018. 

Next, I received an email on XX/XX/2018 stating that the renewal IDR application was approved and the new payment would start after your current plan expires on XX/XX/18. Notice that the end date for the current IDR plan changed by 30 days! The notice I received also did not include the new payment amount, but said the new payment amount would start after my current plans expires on XX/XX/18. However, the initial end date was XX/XX/2018. 

Despite all of this, the current status on my account states that the next payment is due on XX/XX/2018 for {$2400.00}. I have contacted them to resolve this issue and have not received a resolution. 

By inaccurately reporting the payment amount, erroneously scheduling IDR expirations dates, and sending notices with little information, Navient is forcing borrowers away from affordable payment options and imposing unnecessary reliance on forbearance, deferment ( if available ), and delinquency -- all of which are unacceptable and illegal due to the tyrannical nature of Navient 's actions. Please take action against Navient to hold them accountable and promote fairness in the student loan repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief