BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
Dear XXXX, I have received notification that someone is using a fraudulent email address, associated with my law firm domain, to send correspondence about credit card replacement. Below is the content of the email. I appreciate anything you can do. 

*************** [ from XXXX ] We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved. 

We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a notification from XXXX is showing that my credit is not going down and it stays at the original amount. I started at {$1500.00}. Can you guys check and see why they keep me pretty much the amount I took out versus the amount I have paid I havent ever made XXXX late payment for some reason they keep reported to the credit company and they keep Lowing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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: Information belongs to someone else

Complaint:
Credit Reporting Agencies continual violation of FCRA 605B. Along with several other consumer protection laws.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have submitted numerous request of debt verification for " XXXX XXXX XXXX XXXX '' collection account from Transunion credit bureau. Transunion continues to mail me letters stating, " debt has been verified '' but they refuse to provide me with proof of debt validation as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : Child support {$2000.00} account number XXXX XXXX XXXX XXXX {$1000.00} account number XXXX XXXX XXXX {$3000.00} account number XXXX XXXX credit {$560.00} account number XXXX XXXX XXXX XXXX XXXX {$560.00} account number XXXX XXXX XXXX XXXX/ my rewards {$400.00} account number XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g v
iolations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 168in ] 15USC {$
1600.00} ( a ) ( 2 ) - ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a computer for XXXX XXXX XXXX back in XXXX that started having problems with the hard drive, that eventually died. I received no response from XXXXXXXX XXXX XXXX, so I contacted the XXXX XXXX XXXX   and filed a complaint. XXXX XXXX XXXX  responded and I was given a {$51.00} credit so that I can purchase a new hard drive for my computer that has been sitting here in non-working condition. My work has been behind for now four weeks and finally my complaint was resolved. Now, the credit was put on my Bluebird/Amex card for the {$51.00} as of XX/XX/XXXX, but now it is on hold and I really need to purchase my hard drive, because I can't afford to be any more behind. I have attached documents showing screenshots of what is seen on my Bluebird account with the transaction information. A rightful return now being on hold after having to deal with this fiasco for the last few weeks, is completely unacceptable. I noticed online, there has been a lot of complaints about Amex/Bluebirds practices. Months before they were not doing this, and now they are getting really crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the hospital XX/XX/XXXX and received a bill from the hospital mid XX/XX/XXXX. XX/XX/XXXX I received a letter from Wakefield & Associates ( aka XXXX XXXX XXXX  ) saying that I owe {$420.00} plus {$130.00} in interest charges. I called them to ask what it was about, I was told to submit my insurance information, which I did- and I submitted written request for an itemized bill. I never received the itemized bill, but received another letter from them XX/XX/XXXX that I had 7 days to pay the full amount or it would be submitted to the credit bureau and legal action would be pursued. I again asked for an itemized bill- and was told to submit written request. I said I had already and received nothing. I asked for information on who sent the account to collections, who the doctor was, what the charges were for, and they refused to give any information. However they wanted to know personal information about me- where I lived, where I worked, where my parents lived, contact information, etc. told them this was none of their business, and I wasnt paying them a dime until I saw an itemized bill. I even submitted receipts from that date of service with the bills I had received and they continue to argue that I owe money. I even called my insurance company and the hospital, and no one can find any bills paid or outstanding for that amount from that date of service. All that comes up is what I already paid. These people are rude, dishonest, con artists and they need to be shut down. I will continue to fight this and put an end to their harassment.

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: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account not opened by me, this is a fraudulent account. I have an identity theft report. XXXX XXXX account opened fraudulently.

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 2022-10-13
Company: Bread Financial Holdings, Inc.
State: NJ
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:
XXXX has informed me on two occasions that Comenity Capital BankXXXX has performed hard inquiries on my credit report. I have not applied for any new credit with Comenity Capital Bank. The first hard inquiry occurred on XX/XX/XXXX and the second occurred on XX/XX/XXXX. My credit score has dropped XXXX points as a result of these excessive hard inquiries. 

I filed a dispute with XXXX after both incidents. The results were the same for both : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted XXXX to inquire how can these inquiries be factual since I never requested credit. Their explanation suggests that they take the creditor/companies word that the inquiries are factual. They suggested that I contact Comenity Capital Bank, which they referred to as XXXX, to ask them to send XXXX an electronic request to remove both inquiries. After trying to reach Comenity Capital Bank by phone unsuccessfully, I called XXXX back to get a better understanding of the dispute process. 

Once they finally admitted that their dispute process was essentially in favor of the creditor, XXXX suggested that I go to Identitytheft.gov to generate a letter of appeal and to fax the letter along with 2 pieces of ID to them in order to remove the inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal would not allow me to send money out form my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: CA
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:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX Account with balance incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

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 2022-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Monday, XX/XX/2021, I received incessant phone calls and multiple voice messages from " XXXX '' asking if I wanted to " dispute the charge. '' Below are listed the dates and times ( PST ) of voice messages received from " XXXX. '' The message was always cut off, and I only heard the following from an automated-type of voice : " ... to dispute the charge, press one to connect with our XXXX customer care representative XXXX Thank you. '' XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX I usually ignore these calls, but when I received the same voice message on the XXXX, I had enough. I searched for XXXX Customer Care number online and spoke to XXXX who informed me the messages were definitely not coming from XXXX and that I didn't owe any money. He strongly advised I file a report to the Federal Trade Commission and follow the guidelines for fraudulent activity in XXXX 's Help page. While I haven't yet, I plan to file a report to the Federal Trade Commission next. 

Thank you! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called PennyMac in XX/XX/XXXX about paying my XX/XX/XXXX mortgage payment late because of a family member issue with COVID-19. I ask to double my monthly payment including late fees with the XXXX XX/XX/XXXX payment. I was told " NO '', threatened by the customer service rep with PennyMac sending derogatory and negative credit information to all three credit bureaus. I paid my XXXX payment on XX/XX/XXXX which included the late fee and scheduled my normal monthly XX/XX/XXXX payment thru their automatic debit system. This mortgage company had no right to threaten to ruin my credit rating ; showed no compassion for me as a customer/consumer like all the other people currently going thru issues concerning COVID-19 throughout the XXXX. The consumer is dealing enough with anxiety ; fear ; frustration ; loss of jobs ; less money, and struggling to make ends meet during this pandemic. I can not believe that the government would allow creditors, merchants, and bill collecting agencies to profit by charging late fees ; making calls every week as PennyMac did to me while my payment was late in the form of telephonic harassment. My payment was due on the first and it is considered late on the XXXX of the month. PennyMac began to call me on the XXXX, and call every week thereafter, sometimes 2-3 times a day after the XXXX. My mortgage for XXXX was paid on the XXXX with late fees of {$32.00}. The circumstances of this pandemic should have given the average bill-paying consumer a chance to pay monthly what they owe without any extra charges of late fees and additional stresses. Government needs to monitor creditors of all kinds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Had disputed balance with Discover Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. Discover neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, Discover failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to Discover regarding this matter and his letter has similarly been ignored, no reply or response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am a consumer and I have not received a official response regarding remedy for the matter. I have sent 3 letters to these companies as well. 

The effective date of expiration for the consumers right to rescind the consumer credit transaction thereby midnight on XX/XX/2020. Pursuant to the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635 ( a ), the consumer, XXXX XXXX, hereby rescind the consumer credit transaction that took place XX/XX/2020 at XXXX XXXX XXXX XXXX in XXXX, MISSOURI and ALLY FINANCIAL INC due to violations including but not limited to, the unlawful failure to give full disclosure required under TILA, FDCPA, as well as violating Regulation Z, 12 C.F.R. 226.5 ( b ), 226.15 ( b ). It is a fact that XXXX XXXX did not participate in a loan. XXXX XXXX participated in a consumer credit transaction thereof, the adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 15 USC 1602 ( I ). XXXX XXXX XXXX XXXX of XXXX MO, ALLY FINANCIAL INC., and Affiliates committed fraudulent crimes pursuant to TILA, FCRA, AND FDCPA.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or 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 non-monetary relief