BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX {$1300.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have tried resolving this issue with XXXX  and XXXX to consistently receive the same frivolous response. I have also contacted the creditor : Capital One of this fraudulent account that reflect my credit report. I have not received any response from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied to American Express after looking over their offer for XXXX Hilton Points after spending {$2000.00} on their Credit Card. ( XX/XX/23 ). 
I was accepted for the offer and Credit Card via their online verification. 
I received the Credit Card a week later and begin purchases. 
I called to today to check my balance, etc and was told I was not accepted for the Hilton Honors Offer. I have spent over {$1900.00} as of today. ( XXXX ) Talk about deceptive practices. I was never informed via email, letter in the mail that I was not accepted for the offer. They did send the Credit Card but no mention of the offer not accepted. Horrible Business Practice and Very Deceptive. 
I spoke XXXX ( Supervisor ) at American Express and he apologized over and over but said he could not do anything about this. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Child Support Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 initiated a dispute with XXXX XXXX on XX/XX/XXXX for a debt listed on my credit report owed to XXXX XXXX XXXX for an original debt owed to XXXX XXXX in the amount of {$2300.00}. I stated that I have never held any account with XXXX XXXX. 
I received documentation back from XXXX XXXX on XX/XX/XXXX stating that they had contacted XXXX XXXX XXXX and were advised that the account was accurate. 
After receiving this documentation I contacted XXXX XXXX XXXX directly by telephone today ( XX/XX/XXXX ) and was informed that they would open a dispute of this item, which was for a cell phone account opened on XX/XX/XXXX for a cell phone number of XXXX. I informed XXXX XXXX XXXX that I have never applied for or held an account with XXXX XXXX and have never had that telephone number. XXXX XXXX XXXX stated they would open a dispute on this item and to contact the Federal Trade Commission  online to report the information which led me to this website.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report violating federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
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 2022-03-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX management sent me a letter of release upon my exit at the end of my lease in XX/XX/2022, clearly stating their desire to cover any and all of money due, with a return of {$190.00} to me. ( See attachment. ) This agreement included a gag order, in which I was instructed to cease from all formal complaints, including my complaint filed with the XXXX. I refused to sign the document, stating I have no power to stop a complaint already filed. In retaliation, said company has trumped up charges nearly 2 years later and sent it to collections. I have in my possession several documents proving the list of things I am charged for were increased every time I refused to meet this mans demands. All documents have been filed with the XXXX  and available upon request. I also have photos of the house on the day we moved out, to show it was ready to move-in. XXXX moved in new residents the very next day. There was no time to have made repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the following late payment accounts that have been reported on my credit report : XXXX. XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account I believe that these accounts have been reported in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to report only accurate and complete information about an individual 's credit history. In my case, the information reported is not accurate, as I have made all my payments on time and have not missed any payments. 

In addition, these late payment accounts violate the Fair Debt Collection Practices Act ( FDCPA ) as well as the Fair and Accurate Credit Transactions Act ( FACTA ). The FDCPA protects consumers from abusive debt collection practices, and the FACTA requires that consumers be given accurate information about their credit history.

Furthermore, these late payment accounts are in violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). These laws protect consumers from unfair lending practices, ensure that consumers are given clear and accurate information about their loans, and give consumers the right to dispute billing errors.

I am emotionally distressed and concerned about the impact that these late payment accounts will have on my credit score and my ability to obtain credit in the future. Therefore, I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-08-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, last payment, and term length? This is grounds for removal. They also violated my rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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.

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 2023-09-16
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about the continuous harassment by Transworld in relation to a debt that I have repeatedly explained is the result of identity theft involving my Fanduel account. Despite providing written documentation from XXXX, confirming that the debt was incurred as a result of a data breach and identity theft, Transworld persists in their efforts to collect this erroneous debt. 

Here are the details of the situation : Account Information : Creditor Name : Transworld Account Number : XXXX Debt Description : Debt Collection for a Third Party Explanation from XXXX : On XX/XX/2023, I discovered unauthorized transactions on my Fanduel account, which raised concerns about potential identity theft. 
I promptly contacted XXXX and reported the suspicious activity. 
XXXX initiated an investigation and confirmed that the debt in question was indeed the result of a data breach and identity theft involving my account. 
They provided me with written documentation, including an explanation of the breach and their commitment to resolving the issue. 

Continuous Harassment by Transworld : Despite providing Transworld with documented evidence from XXXX explaining the origin of the debt, Transworld has continued to harass me through phone calls, letters, and other collection efforts. 
I have informed Transworld on multiple occasions that the debt is not valid, but they persist in their attempts to collect. 

Impact on My Well-being : The constant harassment by Transworld is causing significant distress and negatively affecting my financial and emotional well-being. 

I have attached copies of all relevant correspondence with XXXX, including their written confirmation of the identity theft and data breach. Furthermore, I have maintained a record of the continuous harassment by Transworld, including dates and details of their collection attempts. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate actions to cease Transworld 's unwarranted collection efforts. Additionally, I request that Transworld be held accountable for their actions and any violations of consumer protection laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will work to ensure a swift resolution. 

Please do not hesitate to contact me if you require any further information or documentation to address this issue effectively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-09-09
Company: EQUIFAX, INC.
State: WA
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reached out to PayPal/Synchrony Bank XXXX XX/XX/XXXX. I spoke to the fraud department as there were $ XXXX charges on a line of credit that I did not open and did not make charges to. the charges were out of state and some were out of the country. I was told that it was taken care of, but it has not been. They closed my account and I've been locked out of it for over a year, so I have no idea if any additional charges had been made. In the meantime, they sold my account and to collections and XXXXXXXX XXXX is now suing me for {$5100.00}! The court date is set for XXXX XXXX, XXXX! 

I spent another 2 hours on the phone today with both PayPal and Synchrony Bank/PayPal Credit and after being transferred at least 8 times, I spoke to XXXX, Manager of the PayPal Credit Fraud Department again today, XX/XX/XXXX. His employee ID is XXXX. He said he disputed all of the charges totaling {$5100.00} and that I'd receive a letter in 7-10 days confirming the dispute. The entire process, he informed me, takes up to 60 days! I need this resolved now. This is now on my credit and I'm facing a court date, additional collection fees and possibly a wage garnishment if this isn't resolved. 

A report has been filed with the Federal Trade Commission for Identity Theft.

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 2022-12-19
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2022, I went into TitleMax to get a title loan as I was need of cash. When I went in there were 2 other people getting loans. There was only 1 person working. The person was trying to help all 3 of us at once so we really didnt get individual attention. When it was my turn the representative just said sign here and here. Two signatures in total. He said everything was electronic and skipped all the information regarding the loan I didnt get any information regarding the loan. Days later I decide to take out the remainder of the loan that was offered on to look into the loan and the interest is exorbitant. I tried to repay it but the company blocked my ability to do so in the 48 cancellation window. There is no way I could afford this loan but I dont have the money to pay back the loan. As I used the funds for rent and back bills. I should been given disclosures and interest rate sheet. Instead the agent in a haste skipped over everything to get me out. I filed a complaint with the Consumer Financial Protect Bureau, they instructed me to reach out to the director of operation which told me to reach out to legal. I reached out legal and have not received a response. I cant afford this and the company is making me go in circles. The company keeps closing the complaints but fails to have a discussion. You breathed the contract when you blocked me from making a payment for 48 hours during the 48 hours cancellation period. You said that if I reach out to district manager we could work something out and when I contacted the office they referred to legal. Legal failed to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief