BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yes I provided the three companies with a the Information need to verify the inaccurate accounts.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something 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 2023-06-30
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-09-07
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Last week, I received XXXX emails about my XXXX XXXX card : the first said a new one was due to arrive in the mail, the second instructed me to ignore the first email because my account was closed ( which was an absolute surprise as that was news to me ), and the third told me to ignore the second email as my account _wasn't_ closed. I tried calling them, but was on hold for about an hour and no one ended up answering. Today I received my new card in the mail, but upon trying to activate it, both the automated phone system and online activation say there is no record of my account. My credit report shows the account still open, but I can't even log into the Comenity website to check as the site throws a " technical glitch '' error message every time I try to sign in. Nothing seems to be working at this company and I can't manage my account or even get a hold of a real person to understand what's going on. 

It feels like something is being covered up ; whether it be a cybersecurity incident or a botched system upgrade, this should not be happening to an institution in charge of this much sensitive personal and financial information. 

Leadership needs to step up and explain to their customers why their entire online and phone system have been in disarray for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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
Consumer complaint received 2022-09-07
Company: Gregg M. Horowitz, P.A
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a suspect letter in the mail. It arrived in a plain white envelope with no return address. The letter was a poor attempt at an official looking document.It had no signature from a Judge or magistrate or any official stamps or marking from the clerk. The letter was fraudulent. I made contact with the Sheriff 's Dept of the county on the letter about a company sending letters from the court that fraudulently being sent. I was told to disregard. Several more came so I disregarded them. 
On XXXX XXXX I was served an XXXX XXXX XXXX With the threat of XXXX  if I did not appear. 
I have no knowledge of a debt or judgement against me from XXXX. A debt validation letter was sent asking for information on the original debt because it could be fraud or identify theft. The collection agency ( debt buyer ) said the did not have to comply. 
The insufficient and in proper service of process was a blatant and deliberate tactical use of the court proceeding to gain a favorable ruling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Recently on XX/XX/XXXX I requested a credit limit increase for my card ending in XXXX an existing open ended credit card plan with Capital One. I was denied due to factors that violate the Fair Credit Reporting Act Pursuant to 15 USC 1681m ( b ) ( 2 ) ( C ) ( ii ). I suggest Capital One redeems my request to increase my credit limit on my exciting credit card, or Capital One will be in direct violation under civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I sent XXXX Euros to my stepson in XXXX via PayPal. I have never done this before and made several major mistakes that I am trying to resolve : 1 ) the transaction was processed as a business transaction, when I thought I was making a personal transaction.

2 ) For some reason the transaction was repeated, so that a total of XXXX Euros was sent as 2 transactions, which completely depleted my bank account. It was not my intention to send this transaction twice.

3 ) In an attempt to get the second transaction cancelled, I requested that the money be refunded. I later cancelled this request since I had begun the process of submitting a claim to PayPal and was instructed by PayPal to do so.

Since that time, I have made over 10 calls to PayPal requesting to get my money returned. Each time I have called I have been instructed differently and told different stories. However, I was finally told that the intended recipient had to initiate the refund. He has subsequently requested that the XXXX Euros be refunded to me, as instructed by me, and was told that the transaction is now considered fraudulent and it may take 6 months to get the money to me.

I am totally frustrated by this process ; am out a lot of money ; and have not had responsible interactions with PayPal staff. On numerous occasions I have requested to speak with a manager, and each time that request has been rejected ( I am told it is notT possible ). 
Clearly, this is a not a fraudulent transaction - the recipient has not tried to withdraw the money, and I have been forthcoming in admitting that I made mistakes with the transaction. 
The money sits with PayPal ; my stepson has been more than compliant with my requests ; and I have been vigilant in trying to recoup my money. Since the money was intended to pay his college tuition, I have sent the money again with another vendor ( RIA ) without a problem. 

Any assistance that you can provide would be greatly appreciated. I am also going to report this to the local television station consumer advocate. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-15
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter today threating to report to my credit. I am a victim of fraud I also have no account nor Contract with XXXX XXXX XXXX or their client XXXX XXXX. Therefore reporting to my credit wouldn't be accurate since this isn't my debt. I do not owe this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX  despite the multiple letters sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-06-30
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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
Consumer complaint received 2022-08-09
Company: Upgrade, 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:
I had an account with Upgrade Inc ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2019-11-25
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
American Express closed all of my card accounts, they are upset because I signed up and was approved for the offers and earned points through a rewards program. They only want people to carry a balance and never redeem their points they earn. They also want people to pay the {$550.00} annual fees on their platinum cards, which I did. 

In my opinion, I did not violate any of their terms, I was approved for the cards they offered and I paid the {$550.00} annual fee. 

Keep in mind, this card was just opened last month in XXXX, and American Express closed my credit card accounts, took all my points and are not refunding any of the {$550.00} fee, even though its a 12 month fee so it should be refunded at least prorated for the 10.5 - 11 months. I did not get all the card benefits, so in my opinion them not refunding the annual fee at all is stealing from me. 

Is this the standard that you want to set for your customers American Express? Bait me into appying for a card that you approved me for, make me pay the annual fee and then close the card so I can't get any of the annual fee back? That is just wrong and is stealing. 

Please do the right thing and refund at least a prorated annual fee amount as a one time courtesy. I do not want to take additional legal action by taking this to small claims court. But trust me I will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I attempted to use my card at XXXX XXXX for {$500.00}. In the process of the transaction merchant states did not go through or kicked back if a issue will refund. On XX/XX/XXXX got a call from PNC about the transaction as possible fraud. also spoke to the bank they advise if the merchant did not collect it will fall of. On XX/XX/XXXX the transaction posted to the account I filed a dispute that no services was exchange merchant did not get money and I am out of money. Callback the next day agent advises at PNC that the previous agent did it wrong. Contacted XXXX XXXX XXXX  to see if they can possibly credit it back because that would be faster. on XXXX and XXXX spoke to PNC was told document sent out why I cant receive digitally is beyond me. Agent advised information I should send in I send email to dispute for pnc on XXXX. On XXXX message pnc they said the issue is escalated and some will contact me in 24 hours. It is now XXXX no calls I have call everyday. Im going back between outlaw bailbonds who claims PNC rejected the credit and PNC not responding so I don't know whats going on because no one returns my calls and I am out of {$500.00} with no return call or care in the world

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Jim Bottin Enterprises, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a gym membership with XXXX XXXX and paid the year in full ( including annual fee. ) In XX/XX/XXXX, with no prior notice, the gym closed their doors and emailed the members about having to go to one of their other locations in person in order to cancel. I went to the other location and submitted a cancellation document which stated that we will NOT owe any cancellation fee as they have closed the location. I contacted corporate about the funds due back to me for the months pre-paid - after months of calling and emailing, I finally received a refund of LESS than what was owed to me. I decided to cut my losses and move on - however, today, I received a phone call from XXXX XXXX 's financial services stating that I owe {$49.00} for the XX/XX/XXXXannual fee. I advised them that my membership has been canceled, but after researching, the representative stated that I am still showing as active and that they will send me to collections if it is not paid. I attempted to call the gym, but they have continued to hang up on me. Finally, one of the employees by the name of XXXX advised that she will leave a message for corporate ( a representative from corporate named Dris ) to call me back. She also advised that they are no longer XXXX XXXX as they have been bought out by XXXX XXXX XXXX, so they can not promise to help me any way. 
1. If cancellation was not successful, why was a refund issued to me? ( although it was less than what is owed to me ) 2. It is nearly impossible to ever speak with anyone. They usually will not answer the phone, or if they do, they will hang up immediately, and they never respond to emails. 
3. If they are no longer XXXX, why are they collecting an annual fee for a gym that does not exist? 
4. Per the internet reviews on this gym ( all locations ), it appears that there are SEVERAL people going through the same scenario as I am - including their employees and other contract workers who have completed jobs for their gyms.

Company response to consumer: Closed with explanation