BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
AMERICAN EXPRESS FALSE DEBT REPORT TO CONSUMER REPORTING AGENCIES 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- Amex learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address.

2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt.

3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other m=than me, the signor. This would only be valid if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking American Express to produce such agreement will be impossible to produce since it does not exist.

4. When I asked American Express to validate the debt, they sent me a letters on a grey scale sheet which suggests to me the letter was doctored with the wrong date since the card was issued in 2014and not in 2016 as suggested by their letters. American Express assumes that I do not understand the law and their bogus letter mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless Amex senior management knows what is going on or not does not matter since these employees are the face of Amex and whatever they do bind Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NJ
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.

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 2023-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
SPS designed a repayment plan that I can not afford, also I can not afford a XXXX dollar a month payment. The repayment plan was designed using incorrect income and expense numbers. Its way to high and I don't understand why they would design a plan that does not fit my budget, wages and expenses. The plan I feel was based on high income numbers, my income has decreased considerably because I have serious XXXX XXXX such as XXXX  XXXX XXXX, I want them to change the plan and make it reasonable to what I can afford to pay, all they are doing instead of helping me, is setting me up for failure and foreclosure. I think there lending practices to me is very unprofessional and they refuse to work with me for a solution although they keep telling me that they are going to help. They have not done anything to help me, and I am afraid of losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
My credit report is showing late payments on XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative 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 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX I was charged {$100.00} from XXXX onto my Chime credit card. which I disputed and while it was being investigated XXXX charged me a duplicate unauthorized charge which took place on XX/XX/2021 on my Chime debit card. I immediately disputed this second charge and was given a temporary credit until the completion of the investigation. Which was reversed and funds were deducted from my bank account. 
The third duplicate charge took place on XX/XX/2021, from the same merchant XXXX for exact same amount. Which was also denied. I have called multiple times and emailed requesting the documentation used to reach a decision that charges were indeed made by me, I have asked for a simple receipt to show the origin of charges. I have not received any proof yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have a fraudulent account appearing on my credit reports 1. XXXXXXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2019-07-16
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Originally my loan was with XXXX. I lost my job and asked for a loan modification. I went to consumer credit counseling for help. XXXX had so many modification applications at the time they had outsourced some of their work. Anyway they mislabeled my loan lost my loan application and this continued for a couple of years. Instead of a modification they started foreclosure proceedings. I ended up filing bankruptcy. My mortgage was included. Then after a few years of paying my bankruptcy payments XXXX wanted the amount increased. I was paying XXXX a month they wanted XXXX a month I could not pay that amount so my case was dismissed. I went to XXXX XXXX XXXX to get this done. We called several times a month before the bankruptcy and after the bankruptcy was dismissed. They finally came back with XXXX left on my principal balance and were supposed to be doing a modification. In the meantime I received a letter from Shellpoint mortgage saying they were servicing my loan and it was XXXX. We called XXXX and they told us that my loan had not been sold or transferred and that they were still working on a modification. Well it had been sold and Shellpoint had started foreclosure proceedings. I called them and told them what happened and I contacted my attorney to file bankruptcy again. But they stopped the foreclosure and agreed to do a modification. I did the trial period and the paperwork came back with my principal balance being XXXX. I disputed the amount of my principal balance. They told me if I didnt sign the modification that I would immediately go into foreclosure. I said I would sign the paperwork to avoid foreclosure but I disputed the charges. I contacted the Alabama attorney generals office for help. Shellpoint told them that the charges were from the missed payments from when XXXX had my loan. I explained to Shellpoint that XXXX agreed that all I owed was XXXX and they were supposed to do the modification which Shellpoint was fully aware of anyway. My first paper statement from Shellpoint reflects my principal balance being XXXX. They still refuse to remove the charges of over XXXX making what I owe more than my original loan and have sold my mortgage to XXXX mortgage servicing. Also when I called Shellpoint to tell them that making the payments on the first of the month might be a problem their agent told me that Shellpoint doesnt consider a payment late if its made in the month its due. They sent me a nasty letter threatening foreclosure even though I was never behind and added late payment fees to every payment. But that didnt happen until I sent them messages requesting the other fraudulent charges be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: AMERICAN EXPRESS COMPANY
State: TX
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 have an American Express Platinum credit card and so am a Priority Pass Select member as part of AMEX Platinum credit card benefits. I should have full access to Priority Pass lounges in airport globally per AMEX Platinum card benefits terms and conditions. However, when my family and myself flew from XXXX to XXXX on XX/XX/2019, we were trying to enter Priority Pass Select lounge - XXXX XXXX  XXXX in XXXX Airport . However, our access was declined by the lounge staff very rudely. Although I showed them my Priority Pass card as well as the proof that this lounge is in Priority Pass network, our access was still declined without any legitimate reason. They simply said that American Express Platinum credit card and Priority Pass Select card members can not access this lounge. 

Finally, we couldn't use this lounge at all, but instead we had to pay {$50.00} in airport restaurant to have breakfast for myself, my spouse and and my kid. Extremely disappointed with such horrible experience as an AMEX platinum card and Priority Pass Select card member. 

I request American Express to reimburse me {$50.00} for what we paid in Airport restaurant, because our airport lounge access was incorrectly declined by Priority Pass XXXX Airport Lounge staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Navient Solutions, LLC.
State: IL
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:
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and XXXX claims it will be on for another year and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit reporting 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:
i did not authorize your companie to run my credit report nor gave anyone permission to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am consumer and I am submitting this complaint without any other party or credit repair organization. I submitted several request for XXXX XXXX  compliance to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) ( XXXX ) instructing XXXX XXXX  to cease furnishing and remove my nonpublic personal information associated with Equal Credit Opportunity Act XXXX XXXX XXXX account from any and all consumer reporting agencies, to include Transunion, XXXX, XXXX. XXXX XXXX  has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. Enclosed is a consumer report dated XX/XX/2022 received by Transunion as evidence of violation whereby any authorization or approval of a specific extension of credit ( XXXX XXXX XXXX account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report. 
XXXX XXXX XXXX also specifies that a consumer report excludes report containing information solely as to transactions or experiences between the consumer and the person making the 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 2019-02-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS IS A FRAUDULENT ACCOUNT SO I DONT KNOW ANYTHING ABOUT THE 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 explanation
Consumer complaint received 2023-11-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting 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:
I have XXXX HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MD
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX A XXXX XXXX, MD XXXX XXXX XXXX XXXX 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 2023-08-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation