BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid 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:
My credit limit was {$2000.00}. I was hovering around the {$2000.00} area because my fiance has been out of work since XXXX, we moved XXXX miles away from home and I am supporting a family of three alone. Since being approved for this card, my income has increased by {$20000.00} a year. I made a payment of {$400.00} ( when the minimum payment was {$100.00} or less ) on XX/XX/19 and then on XX/XX/19 my limit was decreased to {$1800.00} which has hurt my credit score and precludes me from getting a personal loan. Further, in XXXX, I made no purchases ( and haven't in months ) but the regular fee, interest and late fee pushed me over the {$1800.00} limit which I thought was illegal for a credit card company to do under the CARD Act to be maxed over your new limit by fees charged within 45 days of the decrease. 
I paid {$250.00} in XXXX to be under the limit again but am experiencing severe hardship.

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 2019-12-28
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an account with Midland Credit Management, they are handling an old credit card that I had through XXXX. I went to make my monthly payment online and the XXXX system was down. I tried again the same day to make the payment online and was able to do so. However, I received a late fee. I disputed this fee but XXXX would not removed the fee. I refused to pay the fee due to this not being my fault. The fee 's kept building there after. Midland Credit Management took over my account and I disputed this charges once again. I then received a warrant in debt from Midland where I had to appear in court. I paid the account off in advance just to not have to go to court and possibly jeopardize my job. I stated that I disputed my account before the lawsuit, how could they sue me? I have paperwork showing that my account balance in {$0.00}. I just got a statement from Midland Credit Management stating that I owe them {$120.00}. Nobody with MCM can tell me anything about this debt owed now. I have paid all debts, I don't understand how you can sue someone if they are disputing the account and fee 's and the company wont even take a look at the account. I have suffered tremendously because of this company. They have put my job in jeopardy, caused unwanted stress, ruined my XXXX, and yet I cant even get help or an answer from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: VA
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:
Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc

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 2017-05-17
Company: EQUIFAX, 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:
On or about  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   COLLEGE  OPENED A STUDENT LOAN ACCOUNT WITHOUT MY AUTHORIZATION. I ATTENDED THE SCHOOL FROM  XXXX  THROUGH THE  XXXX  OF  XXXX . I WAS NOT ATTENDING THE SCHOOL IN  XXXX   XXXX .     THE DEPARTMENT OF EDUCATION HAS NOW AUTHORIZED PAYMENT DEFERREDMENT. HOWEVER, I NEVER ASKED FOR A DEFERRAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
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:
I received a copy of my credit report and the bankruptcy listed is not mine identified as such 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 2021-02-24
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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be 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 2022-07-25
Company: EQUIFAX, INC.
State: AL
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:
I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a complaint and told the company this is not my debt they insist on me paying for something I did not use. My auditor who was living in my household used my information to secure the debt and the police wouldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I had a T-Mobile Prepaid Debit Card and was using it fine for almost a year. They summarily closed it about six weeks ago ( XXXX XXXX ) and accused me of not using it properly? I was very upset. I have a great deal of money in it and even though I submitted all the documents they requested for a refund, I still have yet to receive it, let alone any response from them. I 'm very worried and concerned about my money. Which, it should be noted, is diminishing since they are charging a " monthly maintenance fee '' despite the fact that it 's a closed account!?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
This card belonged to my now ex husband. I agreed to settle in full to get it off of my credit report. I then paid them the amount after I requested it to be removed from my credit report, they refused after taking my payment. 

I am trying to buy a house, and this debt want even mine! Then, last month ( almost three years after I paid them ) they went and added a bunch of late payments, dragging my credit score even further down. 

I want this trade line deleted please, I can not buy a home with it on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
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:
I had an automatic payment of {$140.00} taken from my XXXX monthly for almost 2 years that was made to cover a past government debt. Upon the COVID19 issue the auto payment was stopped by the government and the payments started reporting as delinquent in my credit. I contacted XXXX and the company that handles the collection and paid the past due balance of {$950.00} in full and the Dept of Treasury still has not updated my status to show XXXX balance and still reporting as past due on my credit. Ive disputed this 4 times without any luck and its damaging my credit. They are not properly investigating this issue.

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 2019-12-28
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RELATED TO CFPB CASE XXXX WELLS FARGO BANK. 
XXXX XXXX XXXX STATES XXXX XXXX XXXX IS INVESTOR / OWNER OF MORTGAGE LOAN. PLEASE PROVIDE PROOF OF THIS STATEMENT. ALSO REPORT THE DATE OF PURCHASE OF MORTGAGE LOAN AND NAME OF SELLER. XXXX XXXX XXXX STATES FOR HOME OWNER TO CONTACT SERVICER WELLS FARGO BANK. PLEASE PROVIDE LETTER OF WELLS FARGO BANK ASSIGNED AS SERVICER OF MORTGAGE LOAN BY 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 requested by phone with TransUnion that these companies did not have authorization to pull my credit report and that I need them to remove these inquiries and they did not respond. It has been over the allotted 30 days the FCRA requires.

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 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a " near credit limit '' notice on my credit report for XXXX XXXX, the balance for which is listed as a credit card. This is not a credit card. I used this company to consolidate my student loans and I am paying monthly for the charge associated with the consolidation. The notice specifically says " You have XXXX credit card using more than 60 % of its reported credit limit on your credit report. '' I am not sure if this is adversely affecting my credit score but I am hoping that the information can be corrected. As previously stated, this is not a credit card. 

Also, my employer information is incorrect. As of XXXX XXXX, 2012, my employer became XXXX XXXX XXXX. 

Thank you for your time and attention. 

Best regards, 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 non-monetary relief
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello, Transunion had inserted deleted collections and deleted hard inquiries on my credit report between XXXX, i had questioned Transunion, however they stated that there is no record of such transaction, i have screenshots to support my claim.Thank 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 explanation
Consumer complaint received 2017-05-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 cash advances

Complaint:
Was told  by NFCU employee I can pay off my cash advance balance. Payed more t  han I wanted to to  pay it off. Things got bad for me. I am a mentally   XXXX   XXXX   with a fixed income and have a very difficult time dealing with people after what happened in the military. This is ridiculous that I have to bring this to a government agency to help. I calle d NFCU MUTLITPLE ON MUTIPLE of times about this and every single time every supervisor refuses to make the adjustment and refuses to give me any further information about NFCU  or what to do anything or contact anyone about my problem and refuses to help further everytime.     I do n't want this for the next  XXXX . This is n't fair and is stealing in a nutshell. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting financial information that is incorrect in regards to XXXX XXXX XXXX XXXX. I logged on to my account with opm.gov.cybersecurity on XXXX XXXX, 2016 and noted that Experian has not removed this item. 

Experian 's website will not let me challenge the derogatory item. 

Attached is XXXX 's letter of XXXX XXXX, 2016 along with a screen shot of my credit report from the US Office of Personnel Management account.

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 2022-10-07
Company: EQUIFAX, INC.
State: MI
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 following companies are violating my consumer rights according to the FCRA I am requesting th method of verification of the following accounts 15 USC 1681a ( e ) states that a consumer reporting agency investigates something it is known as investigative consumer report. I am demanding a deletion I gave them 15 days to respond and I requested exact names and they failed to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX, Experian and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies.

1 XXXX XXXX XXXX   2 XXXX XXXX 3 XXXX XXXX 4 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 non-monetary relief