BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: CA
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, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from 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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to l launch re-investigation on my credit report with proof of everything I listed in my letter.

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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from 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 2021-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid 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 want USAA to provide information concerning fraudulent accounts that are illegally procured without my permission and the Visa credit card has been destroying my personal identity. This was discovered by a Senior Banker that stated that USAA Fraudulent Department has admitted multiple Visa Credit Cards are currently been illegally opened by criminal individuals that are under investigation by the FBI that is located in XXXX XXXX, Texas. This was reported by telephone contact and the agency is involved in a criminal investigation of USAA Federal Savings Bank and Visa. Please provide written documentation to my mailing address within 3 business days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: STERLING JEWELERS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Kay jewelers sued me to court for debt owned, sold my debt without proper approval from consumer and debt was satisfied with law firm ( XXXX, XXXX, XXXX ) hired by Kay jewelers. Kay jewelers is still sending me invoice of debt owned even after account is cleared out and no other payment is owned. This is violation as account is being paid off, court case is being dismissed as law firm received every payment requested. 

15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: CA
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing with regards to the decision by Transunion on my dispute for a debt with XXXX XXXX credit card and their negative comments on my credit report. 

1 ) XX/XX/XXXX I called for a payoff amount ( {$190.00} ) paid the same and received confirmation # XXXX as proof of my XXXX  balance and requested to close this account once again. 
This was the agreed upon amount with the person that I spoke to on the phone. I believe the original balance at that time was about {$250.00}. This balance was incurred as a result of a purchase that I made for {$50.00} the rest were all fees incurred while I was recovering ( hospital and home ) from XXXX. 

2 ) The gentleman in question said that he did not have the power to eliminate all fees but could eliminate the last ones as a result of the medical condition. He said that the account needed to be paid in full right away and that the best he could do was {$190.00} which I paid immediately. I asked him for some sort of confirmation or proof of that conversation and he gave me the aforementioned number. 
I just found out looking at my credit score that you have been reporting my account as delinquent since that time ( after the payoff payment ) and that I owe you a balance. I have been calling XXXX asking for someone to help me. Finally today I was able to get someone who told me that the only way to resolve this is for me to mail them this letter. I sent the letter certified mail on XXXX XX/XX/XXXX. 

3 ) Throughout this time XXXX  continues to charge fees on an account that was paid off -leaving me with a balance {$220.00} that should never have been assessed as the account was paid off in full. 

4 ) I disputed this bill with transition and on XX/XX/XXXX - after just a few days- they advised that they decided that the charge was accurate. ( It appears that a computer not a person makes this decisions ). No proof at all of how this was determined. 

5 ) XX/XX/XXXX -- called XXXX  again to try to get this resolved- was on the phone for 45m to be told thatchy had to review the case. 

I am asking you to please help me.

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 2020-12-24
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: Old information reappears or never goes away

Complaint:
Experian, XXXX, and XXXX are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

Experian, XXXX, and XXXX XXXX are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations

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 2021-03-29
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX Bank has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX Bank is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.

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 2023-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I contacted Citizen about my loan XXXX prior to becoming delinquent on their account to communicate that I was experiencing hardship due to being laid off and that I wanted to know what options existed for someone in my position. The woman on the phone stated that there was nothing the company offered and that my only option was to submit a payment and stated more than once that there was no option for someone experiencing hardship. 

I called back after they'd reported my account as delinquent to see if I could just payoff the account and remove the negative reporting and the new representative stated that I received false information and that Citizen DID offer hardship options to people and that the representative I spoke to should have provided me with those options. Had I received those options, I am sure I could have prevented my account from becoming delinquent. 

Therefore, had I been given all of the information when I first called ( before I became delinquent ) I would not have had to go through the negative reporting. I was not given complete information, the first representative was lazy and unprofessional and as a result my credit report was impacted. I know all calls are recorded and the first call should be recorded, I want a supervisor or manager to listen to the first and second call so they can see how stark the differences are and I need an explanation as to why their representatives are not trained the same, and I need that negative reporting removed because I could have worked out an arrangement on the first call, BEFORE I WAS LATE, and prevented my credit score from being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receive a garnish at work. Never had a court date to challenge the debts. This company had been taking money out of my bank account many time for debts I know nothing about. I am tried of it happen and want put a stop to it. The name of this company is New Century Financial Services and the Attorney is XXXX & XXXX. They have cause me much pain and financial hardship over the pass couple years. I plan on getting debt lawyer. I believe what they are doing to me and maybe other is not fair or right. The last time I talk with someone on the phone they wanted me to prove I didn't owe the money how can I prove something I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute XXXX. Fraud purchase was reported to Union Bank Credit card day of transaction. I was informed it could not be canceled till it processed. All forms were completed and returned to Union Bank to resolve dispute. Union Bank merged transferred to USBank. I was waiting for the information to be resolved by union bank and then Us bank did not have any of the information and information had to be provided to us bank. I have called several times and us bank says information is not in system. I was referred to Office of president. And after having been transferred to three case processors since XX/XX/2023. I have not received any written communication. I have had to call them over and over. Finally a person gave me the number of office the president so I could call in. It took a long time to get the office of president number XXXX. I was finally assigned a man named XXXX XXXX. He called my voicemail and left me a message that my case could not be resolved. However, I was speaking to a case processor at the same time and who assigned to my dispute. She did not have the paperwork and admitted to not calling or researching the parties involved in my dispute. I called back Office of President XXXX XXXX and listened to him tell me my timeline ran out. My husband and I asked him a few questions and he did not have a response so I do not understand how he responded on the voicemail they way he did. XXXX said he would call me back after 2 hours and he did not. I had to call him 3 days later. Then XXXX said he was looking into it. I had to wait tillXXXX after I called to be told that he could not help me. XXXX responded Im sorry I cant do anything for you. I asked to speak to his supervisor and he stated there was no one else higher than him to speak with. I firmly believe USBank is wronging me, because their transition processes, electronic platforms, and support staff were not in place to support these type of customer transactions. USBank should be accountable for their behavior.

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 monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MA
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:
XXXX AND XXXX XXXX, have never been my accounts. I have sent away many letters to get these removed from my credit report. These have no contact information to dispute. I need these removed, it has been over 5 months! I have been emailing about XXXX XXXX, which has XXXX cards with my name, yet has no contact information. How am I supposed to move forward if my fraud alerts and removal letters for frauded hard inquiries are not being honored?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Global Portfolio Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THE BELOW-LISTED COLLECTION AGENCY HAS CALLED ME A NUMBER OF TIMES AND MULTIPLE TIMES IN A DAY.THEY EVEN CALLED WHILE I WAS STILL IN THE HOSPITAL AFTER XXXX XXXX  XXXX JUST RECENTLY. I ASKED THEM SEVERAL TIMES TO STOP CALLING ME. I ALSO INDICATED THAT I WAS FINANCIALLY DEVASTATED BY COVID AND BECAME XXXX AT THE SAME TIME. WHEN REPORTING THAT INFO TO THEM, THEY SAID I WAS LYING ACCORDING TO XXXX. I WAS TOLD I CAN JUST GIVE THEM MY SS INCOME TO RESOLVE THIS MATTER, AND LASTLY, THE DEBT IS INCORRECT. 


PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am writing to express my deep concern and frustration regarding a recurring issue with American Express. I have reached out to customer for assistance, but they have not been able to resolve the problem nor offered any workarounds or any solution. 

Here is some information pertaining to the issue : - I have two American Express gift cards I received from work. One has a {$200.00} value and the second one has {$500.00} value - I tried paying multiple times for a product I wanted to buy online and every time the transaction got declined ( date : XX/XX/2023 ) - Before placing the order I checked the balance at balance.amexgiftcard.com and the funds are there - Since the transaction failed, I tried to add it to XXXX today ( XX/XX/2023 ) since the website I wish to by from accepts XXXX as well but it again didn't work showing the same error message : Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. Similar situation with XXXX. 
- I called American Express customer support on the XX/XX/2023 and talked to XXXX representatives. None were able to solve my issue and simple told me to use the card with a different merchant but they failed to provide a merchant names where it can be used. It is absurd to expect someone would randomly hunt that work. 
- According to their terms and conditions, these gift cards can be used online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24
Company: Georgia Student Finance Authority
State: GA
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 have attempted several times to have XXXX remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. XXXX do have knowledge of this issue and fail to resolve it. XXXX have an internally inconsistant error issue and is doing nothing about it, XXXX has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.

Company response to consumer: Untimely response