BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Yesterday, Sunday, XX/XX/2021, I tried to use my card at a retailer who accepts American Express, for a total charge of {$11.00}, and my card was declined twice. I knew I had enough to cover that purchase. When I called the customer care number, the automated system told me my balance was {$39.00}. When I finally got through to an agent, after waiting on hold and having my call dropped, I was told there is nothing wrong with my account, and she didnt see any declined transactions. She stated the retailer didnt run my card correctly but didnt explain how to fix it. So I went to a XXXX ATM and withdrew {$20.00} so I could complete my purchase. Later that evening I added one of my debit cards so I could combine my money. My account was verified, as I was able to identify the two temporary charge amounts of {$1.00} and {$1.00}, used to confirm my ownership of this account. 
This morning, Monday, XX/XX/2021, I attempted to transfer {$18.00} from my debit card to this account. I got a dialog box Oops, this is embarrassing, we seem to be having technical difficulties, please try again later. I tried to login to try the transaction again, and it kept saying my password and login do not match. This was concerning because I KNOW I didnt change my password. When I tried to use the forgot password link, and entered my card information, I got the same error as described above. After waiting a few minutes, again, I tried a couple more times to reset my password, continuing to receive the same error. I called the customer care line, entered my card information, and was told my account access was permanently suspended and an email would be sent to the email address on file. The email stated I had violated the terms of use per section 22D, and I could write to the address in the email for more information. This is not acceptable so of course I tried to contact customer care again, 5 times. Each time my call was dropped with no further help or explanation. I could not locate this section of the terms of use online, and after a quick search on consumer complaints, I found a number of people experienced this same issue. I have had nothing but issues with this company, but this has taken it too far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: NV
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:
As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a 30 day late payment on XX/XX/2017 on XXXX ACCOUNT # :XXXX.The information is incorrect .I was never late on my payments.

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 2019-03-07
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has placed a collection account on my credit report and they refuse to provide proof of the debt from the original creditor. The original creditor has never contacted me about this debt. I believe it is a scam. The collection agency is in violation of the FCRA as they refuse to cease contact and provide proof of the debt.

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 2023-06-20
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:
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. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX  account # XXXX XXXX XXXX XXXX accout # XXXX XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX  XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them.

15 USC 1681 SECTION 602 A. states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-10-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a multiple occurrence. I was trying to make my on time payment in the time allocated. The automatic system kept saying I had to pay a current amount due of XXXX. That is my Balance. When I kept try to a payment Over the required minimum payment stated on my bill of XXXX, I was transferred to a representative of which there was No One because they were closed. This went on for 6 phone calls. I was finally able to pay the XXXX When I called Monday XX/XX/XXXX  I spoke to XXXX. First I had to answer questions for the auto service, then when I got to XXXX she verified my name, last 4 of SSN, and Account #. She then wants to verify 8 other things. I never verified if the auto service charged me a late fee after my being on the phone over a half hour. XXXX thought it was funny asking me to verify my address, phone #, email and other things that have Nothing to do with verifying who I am. The discover employees seem to enjoy harassing their customers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Meritize Financial Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im trying to pay my student loans and I can not get on my Account or bank to change my account to pay anything. Its is ruining my credit because I end up being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$1300.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4400.00}, XXXX  XXXX XXXX Balance : {$450.00}, XXXX XXXX  XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$6100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent inquiries are being reported to my credit report. 

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 explanation
Consumer complaint received 2020-07-08
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 fraud alerts or security freezes

Complaint:
I'm having issues with getting the credit bureaus to remove the fraud alerts off my credit file.

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 2023-05-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Affirm Holdings, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX ordered from XXXX fall XXXX Damaged furniture delivered/first identified to us by the deliverer Photos of damage sent to XXXX by the deliverer and this consumer XX/XX/XXXX XXXX promised to replace or refund XXXX did not, and a report of the circumstances, including photos were sent to Affirm so that Affirm could determine if a refund was valid Affirm supported the merchant, and said the merchant informed them the product would be delivered. 
XXXX re-delivered the same damaged item XX/XX/XXXX. It had been sitting in the deliverers warehouse since XXXX according to the deliverer, XXXX XXXX 
Again, XXXX sent photos of the damage to XXXX. 
Now, XXXX is requesting damage proof from us. 
Now, Affirm will be receiving payments from us for merchandise never received. 
This company, XXXX, seems to have a history of this business method of operation. There are consumer complaints from other Affirm clients about XXXX on-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
In accordance with the Fair Credit Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy. 
>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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. 
>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NC
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: ACIMA CREDIT, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have sent in a request to this unknown company to cease and desist all scam and harassing phone calls. I have been receiving phone early in the morning up to XXXX am and XXXX pm. I have ask them to take me off the their don't call list. This issue continued for well over 6 months. I spoke with a gentlemen back in XXXX to please take me off their call and that I don't owe any debt to their company. The gentleman continue to talk about bracelet, or earrings etc. I became so disgusted that I asked the man to please take me off your call list and don't contact me anymore. 
Two days later I received another phone call, and this man asking for all my personal information. I explained that don't give out my information and please cease and desist from calling me sir. XXXX I go thru my credit report to make sure everything is looking good. I see this same company 's name on my credit report alleging that I owe them XXXX. Then I get another phone call : " I explained to the lady to tell the company to take me off their call list, and I don't owe no debt to that company. I started asking her about relevant information : Name of the Company, address, then she hung up. 
I called back and gentleman answered phone. I asked him for their company 's information. He stated that they don't give that information out, and that they are a digital company. 

After some research I found the company 's information. I sent a cease and desist letter and disputed their information. I asked for validation of the debt, and for them to remove their fraudulent information from my credit report. This letter was sent by XXXX XXXX priority mail XX/XX/22, and the company received and signed for it XX/XX/22. The company hasn't provide me with any validation of the debt, and they haven't stop their fraudulent reporting on my credit report, and I just received a letter from them on XX/XX/22 that want me to give them a police report because I disputed on XXXX XX/XX/22 that this account in question is a fraudulent account. 

Is not my responsibility as a consumer that feels unsafe with this fraudulent company to have no information that pertains to my personal information. It's the furnisher responsibility under 12 CFR 1022.43 ( e ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) This is a complaint of harassment and it must stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Since I have had my BarclaycardXXXX Rewards, Ive missed only one payment. I tried to use my card and it declined on XX/XX/XXXX. I knew what me available balance was because I had just paid on it. I was trying to use my XXXX rewards on an XXXX  product. I called and was informed it was a system generated closure due to policy and it just generated onXX/XX/XXXX. The same day I used the card! The customer service rep, along with the manager could not tell me what policy of theirs this was pertaining too. But insisted I wait on the letter to tell me. I called again onXX/XX/XXXX, the gentleman was very honest in saying he has no idea what policy this is but would get me over to their another Department. The new Rep from the Credit Profilo Department told me that they checked my credit and notice delinquency with another merchant that triggered them to close my acct. I told him to check how often I have been delinquent with them and he said it didnt matter, its in our disclosure. I asked him to tell me where, give me a page number and I could look it up. He said he only had a printed copy on his computer not the actual disclosure. Then he proceeded to tell me another department would mail me one, but its available online. Since I was on my phone I had already looked online and it was to request one by mail also. When I said that he said oh well they informed me itll take 30 days to receive. I researched on other forums with this particular credit card company and this seems they do this often with their fairly new consumers that have their card for 6-8 months then they close they acct. This is a major blow since I needed to keep this card open to rebuild my credit after Irma. Which was why only one card closed. Totally unfair and very shady practice!

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