BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: MO
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:
XXXX is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who XXXX thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in 2023.My name is XXXX XXXX , want me to spell it and sound it out? Documentation is attached, which XXXX already has this. Imtired & Im done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
On XXXX  XXXX, I contacted the American Express ( Amex ) Customer service at XXXX CST regarding the product. During this 50 min 8 sec call, a customer representative confirmed that I will be receiving a welcome bonus of 150,000 Hilton Honors Bonus Points ( Reward points ) after appy this credit card product ( Hilton Honor American Express Surpass Credit Card  ) and spend {$3000.00} in purchases on the Card within first 6 months of Card Membership. 

While confirming with her ( Amex Customer Service ) about any restriction from receiving the welcome bonus, she confirmed 'as long as you never applied or received a welcome bonus from this product ( Hilton Honor American Express Surpass Credit Card ), then you will be eligble for the welcome bonus ( of XXXX Hilton Honors Bonus Points ( Reward points ) ) '. I again confirm with her regarding any restriction from receiving the bonus, there is no mention of term 'Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. ' from this Amex Customer service.

Since the call was recorded and the details of offer were mutually confirmed ( that I will be receiving the welcome bonus after the qulified spending of {$3000.00} ), I agree this agent ( Amex Customer service ) to proceed the application of Hilton Honor American Express Surpass Credit Card. 

On XXXX XXXX, I received an update by Hilton Honor ( XXXX ) regarding the new card benefits. 

On XXXX XXXX, after receiving the product. I contacted the Amex customer service at XXXX CST regarding the card details and benefits. Amex customer supervisor- XXXX was confirmed 'As per the bonus offer terms, your welcome bonus offer was declined. ' A misrepresentation of a credit card product provided by an American Express agent could be against the law in the state of Nevada. Specifically, it could be considered a violation of Nevada 's deceptive trade practices laws ( NRS Chatper 597 ), which prohibit businesses from engaging in false or misleading advertising, marketing, or sales practices. Under Nevada law, a business can be held liable for making false or misleading statements about its products or services, regardless of whether the statements were made intentionally or negligently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This CREDENCE RESOURCE MANAGEMENT account with a balance of {$150.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FCPA lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 spite of my having been promised by a finance company that it would no longer process applications from XXXX XXXX XXXX using my personal information, a finance company named XXXX XXXX XXXX XXXX of XXXX, Texas requested a consumer credit report anyway. 
And in spite of my having a Credit Report Freeze in place ( see attachment ), TransUnion released my Credit Report and Credit Score to XXXX XXXX XXXX XXXX ( see second attachment ). 
Previously, the same finance company listed above attempted to get my consumer credit report from a Sub-prime credit reporting bureau belonging to TransUnion or one of the other two Major credit reporting bureaus which I had not known existed so had not established credit report freezes and apparently the Major Credit Bureaus are not requiring that their Sub-prime credit reporting bureaus honor the freeze in place with them. 
The six sub-prime credit reporting bureaus are : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. And there is also a new fourth Major credit reporting bureau, Innovis. If this is published it is important that consumers are aware that there are now at least ten credit reporting bureaus they will need to set up credit report freezes with - no longer only the three major bureaus- XXXX, XXXX, and TransUnion. Consumers need to demand that the CFPB and its XXXX, XXXX XXXX, implement appropriate rules that address this tripling of credit reporting bureaus.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023, I sent a letter to Equifax demanding they remove all of the incorrect and invalidated information from my credit file. I use the XXXX app and the app says that they have a lot of information that is incorrect and information that I did not give them express permission to furnish. However, Equifax failed to do their assumed right in furnishing correct and valid information. They left EVERYTHING on there. ALL of the incorrect and invalid information is still on my credit file. For starters, they have my birthday incorrect. They have me listed at least 10 years older than what I really am. They sent me a letter XX/XX/2023 saying they verified the information as accurate. I refuse to believe that. There is no possible and logical way that they have verified ANYTHING as accurate when they dont even have basic correct personal information on me that is being used to identify me and furnish items on my credit file. How can they verify anything as accurate when they have wrong personal information? What documents were used to verify this incorrect information? I never sent them my social security number, so how else could they identify and match those items to me if not by name and birthday? Them even having a social on file for me, is IDENTITY THEFT and FRAUD because i never gave it to them. How are you going to tell me who I am? That is crazy. I can only imagine how much more wrong information they have on file for me and millions of other people. Equifax violating the laws of the FCRA has got to stop. How can a stranger ( equifax ) tell me when I was born? How can they tell me the transactions I made and they werent there? Why does equifax ask does everything look correct? On the website if they are just going to say its correct and do no real work in removing inaccurate information? Because theyre paid to keep it on there whether its wrong or not. This is insane. I want ALL accounts, collections, and inquiries removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: AL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: FinCo Services Inc DBA Current
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX @ XXXX and XXXX there were two atm withdrawals for XXXX each from a location I have never been to. Hours later I noticed these transactions and you could imagine my heartbreaking surprise that someone left me with XXXX dollars just 2 days before my fathers birthday. I contact the bank right away and they agree to open a dispute like normal. This has happened in the past and it took months for a resolution, but it was resolved. This time it was done in days and they came to the conclusion that it was not fraudulent. Immediately I reached out again since of course this was not me and they told me the case is closed and can not be reopened without new evidence. Now I am at a loss wondering where I can find new evidence begging to speak to supervisors and managers but they seem to never be around. Now it seems like they are avoiding me and hoping that I give up on those hard earned dollars that were stolen right from under me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
As of XX/XX/2023, Experian and XXXX continue to report inaccurate items and accounts on my report. These accounts are not my accounts. I have disputed this information but Experian has not sent me any documentation showing me how the accounts were verified These accounts have the wrong name and are not mine. I now have obtained legal counsel and have been advised to file another complaint for the record with attached documents that were received by Experian on XX/XX/2023 via USPS certified mail. Experian is now saying that I don't have enough credit to produce a " FICO '' score but still show these accounts on my report. Experian also still displays inaccurate names and addresses on my report, despite being sent the proper information several times.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: SC
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:
To whom it may concern, This has been an on going battle which was resolved when I originally filed a complaint against XXXX XXXX XXXX for an XXXX account that they alleged I owed them {$1800.00}. I filed a complaint thru your agency and these are the case number provided and the end result was all 3 credit bureaus deleted the derogatory remark on my credit report. The file number is XXXX, XXXX, and XXXX. I was satisfied with the outcome however I get another credit alert that my credit report was flagged by another debt collection agency for the same exact XXXX account. The name of that debt collection agency is called XXXX XXXX XXXX. How is it possible that one minute it was resolved and another minute another debt collection agency flagging my credit file for the same exact mobile carrier account? I would like your agency to review the file complaint listed above and please notify this new debt collection of this matter and to delete immediately from my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MS
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 am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXXXXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA Act.

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 2023-06-03
Company: Resurgent Capital Services L.P.
State: TX
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 am writing to file a complaint against XXXX XXXX XXXX XXXX for pursuing collection activities without a permissible purpose as outlined in the Fair Credit Reporting Act. Specifically, I believe that your agency has violated my rights by attempting to collect a debt that is not mine and by continuing to contact me despite my requests for verification of the debt. 

As you are aware, under the Fair Credit Reporting Act, collection agencies are only permitted to pursue debt collection activities if they have a permissible purpose, which includes situations where the debt is owed by the consumer or where the consumer has given their explicit permission for the agency to pursue collection. However, in my case, I have repeatedly informed your agency that I do not owe the debt in question and have requested that you provide me with verification of the debt. 

Despite my requests, your agency has continued to contact me in an attempt to collect the debt, which is both harassing and a violation of my rights under the Fair Credit Reporting Act. Furthermore, I believe that your agency has also failed to provide me with the required disclosures about my rights under the law, including the right to dispute the debt and the right to request validation of the debt. 

In light of these violations, I am requesting that your agency immediately cease all collection activities related to the alleged debt and that you provide me with written confirmation that you have done so. I also request that you provide me with verification of the debt in question, including information about the original creditor, the amount owed, and any other relevant details. 

If your agency fails to comply with these requests, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act. I trust that you will take prompt and appropriate action to resolve this matter and ensure that your agency complies with all applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to synchrony bank., who sold it to portfolio recovery when it was about to expire. XXXX XXXX falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from synchrony bank in XXXX. I never used the card. They are using this information to make the charge look valid.

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