BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am including this website link to be included in my complaint against American express to substantiate my complaint claim. 

https : XXXX American express without my authorization and against my instructions charged me for an annual fee of {$690.00} after blocking my card use for several months fraudulently lying to me and harassing me ruining my credit score by XXXX points plus by excessive credit inquiries on me that other cardholders are not subject too especially their millionaire and billionaire cardholders. It is discrimination American express subjected myself a 100 % service connected XXXX Veteran to this double standard without my authorization and with interest charged me fees after fraudulent without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Southern Management Systems Inc.
State: NJ
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:
Hello, I received a debt collection letter ( via XXXX mail ) from : Southern Management Systems , Inc XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX XXXX Amount : {$100.00} Date : Between XX/XX/2022 and XX/XX/2022 I don't know what this is about as no other correspondence, bill or details have ever been sent to me. I have tried calling them during business hours but there is no voice mail box and no one picked the call. 

I need help as I don't have any other way to contact them. 

Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove!!! ASAP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : MIDLAND CREDIT MANAGEM : Acct XXXX XXXXXXXX My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 20 days will compel me to escalate the issue to the United States District Court, Northern District of Georgia. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Credit Karma, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX offered a credit line of {$1000.00} with monthly payments by debit/ach into a separate savings account that is available for withdrawal at {$500.00} increments. in exchange for the consideration of the monthly payments, XXXX will report a tradeline to the credit bureaus of {$1000.00}. the contract states that the tradeline will be removed only if i default on the payments or prematurely close my account. i always kept my account in good standing and met my obligations under the contract. 

XXXX sold to CreditKarma and terminated my account after the sale, rather than maintain and service the existing accounts when one financial institution buys another. because the value of the company sold/purchased is determined by its accounts. In doing this, CreditKarma defrauded me by accepting monthly payments ( civil theft ) without giving me any consideration for my payments by giving me the product i was enticed into paying for : credit reporting of {$1000.00} trade line. Creditkarma removed the tradeline from XXXX, causing my score to drop XXXX points, instead of keeping it open or report is as closed and good standing. removing the tradeline entirely makes the entire transaction and contract fraud and unfair and deceptive trade practices. the credit line, loan payments made, all for nothing and resulting in the opposite of what they advertised : negative credit score, rather than a positive improvement. the XXXX  tradeline created an increased credit score after payments were reported. when CreditKarma suddenly removed the tradeline, it resulted in the loss of any credit reporting benefit retroactively, resulting in Credit Karma being enriched by monies i paid them under false pretenses. Credit KarmaXXXX violated federal credit reporting law, TILA, TISA and other federal laws and regulations concerning credit, banking and lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the 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 2023-01-30
Company: Experian Information Solutions Inc.
State: RI
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:
I've noticed issues on my credit report from Experian as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Experian and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed 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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of today XX/XX/23 at XXXX ; XXXX, XXXX is derogatory reporting an account with incorrect information! I have asked this be corrected on numerous occasions and nothing has been resolved. I went to my XXXX XXXX this morning to refinance my auto loan and discovered the report contains errors. Firstly, that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting this account as " OPEN '' in the amount of {$550.00}. THIS IS INCORRECT -account # XXXX IS CLOSED! See the attached. 
Additionally, XXXX is showing me lender a current score of XXXX, but when I log in-the customer, the consumer, my score is shown as XXXX a difference of XXXX points!!!! I really wish this would get resolved, I have spent countless hours trying to get someone to help and they do not seem to care and are infringing ALLLLLLL OOVERRRRR MY RIGHTS! I am very closed to getting the Attorney General for the State of Florida involved. This is not right and they know it. 
Best, 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was disputing a fraudulent account that wasnt mine with Trans Union and they advised me that it would be 30 days until it would be resolved. My credit score was XXXX before they attempted to fix the issue ; more than 30 days I contacted them to check the status and found that my score is now XXXX, there is no score and nothing showing as credit history. It seems they wiped everything from my report and I requested a manager and she admitted that it was an error on their end and was very rude and insulted me verbally and I had a hard time understanding him and I had to hang up the call because I was getting no where with it. My life is now hold because I can not acquire any type of credit or anything that needs credit checks in order to live.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2023-04-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/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 2023-12-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have 5 inquiries I did not consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX, I paid them regularly until XX/XX/XXXX when the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, both my insurance company, and the XXXX XXXX XXXX in GA told XXXX to report it as a total loss. This company XXXX XXXX has not reported to the credit bureaus correctly, there are no payments showing that I made, and it also states that in XXXX years of owing this car I only made XXXX dollars ' worth of payments. This company XXXX XXXX has been involved in several lawsuits including XXXX where they owe over XXXX XXXX dollars. I joined the lawsuit but because I don't reside in that state, I wasn't allotted any funds, but in the lawsuit, it states that the vehicles under XXXX XXXX  are to be deleted from all three credit bureaus, which has not been done yet. As of now the DOJ is serving XXXX XXXX with a subpoena. I can't count how many times that I have disputed them with all three credit bureaus under the Fair Credit Report Act, they don't answer by mail, and when you call them, they are the rudest inconsiderate customer service ever!!! I have even written to my Attorney General located in Kentucky

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Allied Account Services, Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Barclays Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Barclays Bank choose not to honor there agreement, I elect arbitration under good faith and they pay the fees. All payments should be returned, due to federal laws.

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 2022-11-16
Company: REGIONS FINANCIAL CORPORATION
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: Other problem

Complaint:
I asked for my account to be closed with the card issuer back in XXXX of this year. I am due a security deposit of {$500.00}, and have not received it yet. Each time I call, they give me the run around telling me to wait for the processing to to process my request. I called in XXXX and was advised the account wasnt closed because they sent me an email to confirm if I indeed wanted my account closed. I assured them that I wanted the account closed and wanted my security deposit back. This conversation happened XX/XX/2022. The representative advised me that I would receive a check in the mail within XXXX weeks. Today, I called to check on the check status being I did not receive the check, I was advised by the manager that the check was approved on XX/XX/XXXX, but it was not sent. The manager said that he sent another request today and I have to wait XXXX weeks. I feel this company is holding on to my money and wants me to give up.

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 2015-04-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Affirm Holdings, Inc
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act AFFIRM INC XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$140.00}

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 2023-05-21
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am unable to withdraw funds from my paypal account. I have funds available to withdraw. I attempt to withdraw those funds and PayPal gave me a fairly generic message saying they couldn't complete my request and to try again. So I tried again and again and it never worked. I then waited approximately 24 hours and I contacted paypal, to which they told me to wait up to 72 hours from there and my account was being validated. I had already had previous withdraws to my account with no problem, even as most recently as 1 day prior to my attempt to withdraw these new funds. I contacted paypal and they say they do not have the ability to override anything and I must keep waiting and only make one attempt in a 24hr period to withdraw any funds. They are not providing any assistance in getting these funds withdrawn to my checking account. I attempted to close my account and have a check sent within 14 days of my account closure, and paypal will not let me close my account either.

Company response to consumer: Closed with non-monetary relief