BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
My father made me an authorized user on his XXXX account, I moved out of state and he provided me with an XXXX card with a {$250.00} credit limit for emergencies. Ever since he provided me with that card my credit score has plummeted almost XXXX points. Every place I look, my father 's XXXX account, and the balance is on my credit score. I am only an authorized user, and since I have such low income, being a XXXX year old, his open XXXX account is wrecking my credit. It is stating that my card has no limit, and that the balance of the XXXX card is {$7900.00} currently. I only have XXXX in real credit card debt, nearly XXXX of that being a financing account. The XXXX account is nearly 171 % what my real credit card debt is. I can not find anywhere that will change that information. I never really bothered to look at my credit, but I finally did, and saw that it was very poor, when not even a year ago it was XXXX. Now it is XXXX and has gotten as low as XXXX. I am working on getting a job, and they run a credit report, and them seeing my current credit score could keep me from getting hired. I spent 5 weeks in training for this job, as well as waited for a few weeks for my license to go through. The job will be a great quality of life improvement for me, about a {$20.00} raise. I already passed the class I spent 5 weeks on. This credit score could destroy my potential of getting this amazing job, and could prevent me from being able to improve my quality of life and pay off my tuition with school as well as pay for rent/utilities/food as I am currently only working part time at about 8 hours a week, because I was let go from my full time job that was my main source of income 2 months ago. I do not have the ability to talk to the company because it is my father 's account and am only an authorized user. My father has not missed any payments on his XXXX account, but he uses the card so frequently every month that there is a constant balance that is effecting my credit score severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In early XX/XX/XXXX i reached out to speak about a XXXX $ fee for their AAdvantage card. I said i wont be traveling and needed a different type card because it didn't make sense to pay and not be able to use the card they suggested since i had an excellent payment record that i not close the account but pay the fee then ask a supervisor to help me navigate a more fitting card The supervisor never called with XXXX different messages left. Sometime layer they called to say i disputed my payment. This is another lie. She said well they flagged your account so i will need to authorize your checking account. I normally always used my debit card. 
Eventually with numerous calls and nearly XXXX hours of conversation with this company i realized they couldn't have used my trust account. 
The XXXX argued with me again today for almost XXXX hours about my account being closed and me having them try to take it out of a closed account. This never happened. Eventually, after countless hours and struggling with the foreign speaking XXXX, I called XXXX XXXX  and they verified that XXXX  XXXX was closed a year and a half earlier and they had not used that account and they made stupid mistakes. she finally realized they had attempted to use an old account. As XXXX XXXX  was acquired by XXXX in XX/XX/XXXX. They were attempting to continue to use my closed account and bill me more and more. They ultimately continued to bill and bill and never found a replacement card or called me back. I need my credit company fixed and any and all fees reduced ASAP

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: Experian Information Solutions 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:
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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX Account numberXXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$540.00} Balance updated XX/XX/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 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
Consumer complaint received 2023-10-08
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a follow up to prior complaint # XXXX. 

Within the prior response, Convergent noted that they would ask the credit reporting agencies to remove this from my credit report, it has been over 3 months and this continues to be reported. I am currently going through the process of applying for a mortgage and this continues to negatively impact my credit and interest rates I qualify for.

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 2021-01-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, experian, XXXX, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They made a deposit from my paystub on Friday and claimed it on Monday, the bank did not notify me of the transaction, and I let them take the money out without my consent.

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 2021-01-09
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX ( XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX - Acct # XXXX Please remove Inaccurate reporting

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 2021-01-09
Company: EOS Holdings, 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: Problem with personal statement of dispute

Complaint:
XX/XX/2020 {$1900.00} contacted XXXX  regarding old account. Attempted to dispute charges and was denied. Amount was charged to me for unreturned items to XXXX. I attempted to return cable boxes however XXXX would not accept or allow me to return all equipment no longer being used. This is affecting my credit and preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company 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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the transaction.

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 2021-01-09
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/29 a fraudulent charge in the amount of {$1700.00} occurred on my card. Company failed to provide me with any security as this purchase should had been red flagged and never allowed to go through. I have had this card for about 5 years and have never made a purchase of over {$200.00}. Company failed to provide any security. I called Eppicard on XXXX to report the fraud. I was told a new card would be mailed as well as forms that had to be mailed back within 10 days. Upon investigation there seems to be a fraud with the company never mailing out new debit cards or the form to pursue fraud cases. Why cant the form be emailed? Why are people not receiving new debit with their remaining balance? Eppicard is stealing child support money from American families. This is my rent money that got stolen due to lack of security on your end. Rent money stolen during a pandemic. This needs to be handled ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This collection agency, AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Reported a cable bill that was 20 years ago to the credit Bureau. The bill was in dispute back then. How could this collection agency lie about the account status and alter the past due date so it reported and then contact me to collect the money. They should be legally liable for damaging my credit score and should be putout of business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX  and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gave ALL parties 3 times to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and XXXX Continues to repost the account without sending me any communication. 15 USC 1692. The following parties have violated my rights and with the help from the CFPB I will seek damages. I demand accounts be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2021-01-09
Company: EQUIFAX, INC.
State: MI
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:
Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: OH
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:
To whom this may concern. My name is XXXX XXXX XXXX. I have done everything in my power to properly fix the issues that are on my credit report. I reached out to all3 major credit bureaus and followed their instructions to the T, only to be ignored. I SENT OUT MULTIPLE LETTERS Certified and 1st class, ONLY TO BE IGNORED. I never received any updates, I haven't seen the status on my credit report updated to in dispute which means all 3 credit bureaus are in grave violation of my consumer rights! I have taken the time to research and also work with consumer protection attorneys that have told me that this can be handled in court which I do not have time for but will consider if this final attempt does not work! BY LAW my dispute should have taken no longer than 45 days. I have not heard a single word from ANYONE regarding my complaints. Seeing as these companies are in violation of my rights I would like all of my complaints addressed as followed. Deleted or updated to positive. I have all of the proof that. I have gone about this in the manner I was instructed by these companies and I will not allow them to violate my rights as a natural person! 

Certified Mail Tracking Numbers : XXXX XXXX XXXX First Class Letter Send Dates XX/XX/2023 ( Experian, XXXX, XXXX ) All others attached on letters

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 2022-10-04
Company: Genesis FS Card Services, Inc.
State: VA
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 applied for the SCRA Civil Service relief Member Act ) benefits under the key provisional state law of OHIO as that is my home of record and I am a military spouse. I provided all of the documentation needed for the process ( military orders, LES, marriage license, proof of HOR, etc. ) I sent in my initial request via fax number based on the number given by a representative in XXXX and followed up weekly via phone call. I provided a letter in my request with specific account information and that to review the eligibility under OHIO code as it is different than the Federal code. Each follow up call lead to more frustration as no representative, including supervisor staff were educated on the SCRA benefits. I was told different information each time. I was then told I was denied because of XXXX XXXX service member date was before the account opened. Again, I requested my 2 accounts be reviewed again because Ohio law states even DURING the XXXX XXXX period. My spouse is STILL XXXX XXXX. I was denied again and told that Ohio is not a Key provisional state which is not correct. The company needs to train their staff better on this topic and I have not received the benefits on my 2 accounts that I am entitled to receive. Also, not to mention when we submitted this request, 2-3 days later, my husband received a credit alert stating that 2 new cards were applied to his credit report FROM THIS COMPANY! SO NOW HE IS ALSO A VICTIM OF IDENTIFY THEFT. Genesis FS Card services has horrible customer service and does not honor their military service members.

Company response to consumer: Closed with explanation