BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Upon first receiving a phone call from Credit Consulting Services , Inc which is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I told them I wished only to be contacted via mail and that I would need to verify the debt of {$150.00}. The call was on a recorded line and they said they would only contact me by mail. 

I received repeated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today on XX/XX/XXXX. On XX/XX/XXXX I reiterated that I was not to be contacted via telephone and that I had not received any communication from them by mail. 

Today, XX/XX/XXXX they called again and I told the debt collector that I had said I was not to be contacted by phone, only by mail, and asked why they were calling. I told the caller that it was a violation of the FDCPA for them to continue calling me and asked what their records showed for recent calls. 

They stated that the called me on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. They claimed that there were no notes in my file stating I could not be contacted by phone but that all calls were recorded and saved. 

I requested all records ( notes and recordings ) be sent to me only via mail and that I am officially requesting that they maintain all records as I believe they violated the FDCPA. The caller indicated that they understood that the FDCPA prohibited them from calling me after I requested to only be contacted via mail. 

Their XXXX  Debt Collector License Number is XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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 Convergent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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

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 2023-06-16
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: Personal information incorrect

Complaint:
After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information XXXX, XXXX, and TransUnion was inaccurate or missing including current address and date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
accordance with the fair credit reporting act XXXX  XXXXXXXX XXXX XXXX accountXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

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 2018-08-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a call from XXXX at Transworld on behalf on XXXX XXXX. Trying to collect on a bill I paid upon receiving from XXXX XXXX. I never received a followup from XXXX XXXX about the bill being owed. I received a collection letter about a month ago about this, which I disregarded as I did not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: PA
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 been trying for 6 to 8 months to have erroneous, fraudulent information removed from my consumer report with Equifax. I have made countless phone calls, submitted faxed documentation along with proper identification, written and mailed certified letters and still have not yet received remedy. I have made demands with this company to still have none of them met according to federal law. Pursuant to 15 USC 1681 : fair and accurate credit reporting. I am suffering from severe emotional and financial distress and harm due to the relentless efforts being ignored. Equifax is willfully and intentionally mishandling my private information all while continuing to break the law as well as breach their own company policies. I've reported this information as inaccurate, erroneous and fraudulent on several occasions through postal mail, phone calls and fax. I have spoken with countless reps and supervisors including XXXX XXXX of the XXXX XXXX XXXX Department as well as been transferred to the O.C.C. department and spoken with a supervisor by the name of XXXX XXXX whose employee ID # is XXXX, all on a recorded line. I was told on several occasions that this harmful information would be removed within 4 days, and I also requested updates to my consumer reports via mail to reflect such corrections and removals. As of today XX/XX/22 nothing has been done. I do not wish to file another dispute, I am demanding deletions. Equifax has failed to properly verify, validate, investigate or reinvestigate any of these accounts, and based on that alone they should be removed promptly. I also have communication from their Settlement Administrator regarding my data breach claim being accepted and processed for payment : Claim # XXXX. Equifax has requested me to submit FTC complaints which I have also done. The reference # is XXXX. I am demanding removal of all negative information including : bankruptcy, late payments, collection accounts, incorrect names, etc. This company has blatant disregard for my rights as a consumer and I am tired of being given the run around by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
credit agency is reporting incorrect information. changed a charge off, and made this debt active and put 120 late payments on my report. 

( Your US DEPARTMENT OF EDU payment history has changed The XX/XX/2019 payment status for your US DEPARTMENT OF EDU student loan account was updated from " Charged Off '' to " 120 Days Late ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
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:
I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX  XXXXX Balance {$180.00} ; XXXX XXXX XXXX Balance {$11000.00} ; 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

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 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I purchased four roundtrip airplane tickets to travel from XX/XX/XXXX to XXXX, XXXX. I purchased the tickets through the American Express Travel portal to fly with its preferred partner XXXX XXXX. American Express gets special discounted rates to travel with a preferred partner as part of its international travel program. I paid for the tickets using all the points I had accumulated over the course of 8 years. 
Around the first week of XX/XX/XXXX, I canceled my trip. I was told that I would get flight credit. The Amex Travel portal showed a flight credit. I relied on the American Express agent informing me I had credit, and the credit showed on my portal. 

This week I spent over XXXX hours over 3 days with American Express travel agents trying to use my airline credit to reschedule my tickets. On Sunday, XX/XX/XXXX, I spoke with the first Amex agent who told me I had to start my travel before XXXX XXXX, XXXX, in order to use my credit. On XX/XX/XXXX, the second Amex agent told me I had to complete travel by XXXX XXXX, XXXX, to use the credit. That same day, the third AMEX agent told me I had to go through a special process because Amex and XXXX XXXX had ended their preferred partner relationship and the booking had to be approved by a different desk. I was never informed of any plans for American Express to end their partnership with XXXX XXXX, much less of any consequence to my booking. 
Nonetheless, on that XXXX XXXX, XXXX call, that same agent submitted the request to reschedule and asked me to call the next day to confirm my booking. Today, XX/XX/XXXX, I called to confirm and another Amex XXXX said I have no credit and I forfeited everything by canceling the original trip in XX/XX/XXXX. The agent started by acknowledging that what she was telling me was preposterous and offered to file a global complaint with American Express ( XXXX ), which she said would take 6-8 weeks to resolve. However, a 6-8 week timeframe would be past my flight credit expiration date. I request my money or my points back. One customer service representative offered to restore my points, but it would include a charge of {$2800.00}, despite not taking the trip. This is a taking. 

After all my calls with Amex, on XX/XX/XXXX, I subsequently called XXXX XXXX directly and they were able to pull up my original travel itinerary but told me they could not rebook me because Amex kept the money for the ticket. She said XXXX XXXX never received the money and I had to return to Amex to rebook.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, 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 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 2023-02-04
Company: EQUIFAX, 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:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 


Also the Credit Bureaus took more than XXXX  days to complete my investigation Confirmation # XXXX The account : XXXX # XXXX was deleted XXXX times from my credit report. Also put back on my credit report. I received a letter from Equifax, Confirmation # XXXX Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. This a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.

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 2023-11-13
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My cashapp account was compromised. A XXXX XXXX account was linked to my account. I have no history with XXXX XXXX  or any of its affiliates. Cashapp performed an investigation under case number XXXX. They denied and closed my case stating " Based on the information I provided, their investigation led them to determine that the transactions was authorized by myself or someone I know '' I am requesting the information used to determine that I have authorized this XXXX XXXX to be attached to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both XXXX  and financial 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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
There is a hard inquiry on my report from Capital One where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm going to school to earn a PA degree and license in psychiatry. I'm attending the XXXX XXXX XXXX to help obtain that degree. Back in XXXX this year, I receive notifications that NelNet had closed my student loan accounts as paid in full. Based on that information, I decided to start school this past summer and ALL disclosures/information presented to me showed I had {$0.00} in outstanding loan balances. Then, today XX/XX/XXXX, I receive an e-mail from XXXX stating that I had over XXXX XXXXXXXX in outstanding student loans. I get online and make a couple of calls to try and get this looked into. I tried calling NelNet and their wait time was XXXX minutes. I sent them an email but no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Creditor was AMEX. Account was closed around XXXX. While Account was on a forbearance during Covid Lock down Amex reported negatively to credit bureaus, attempted collections while in forbearance before payments were due. Balance reported was much higher than actual balance and could not provide accounting for alleged balance. Almost XXXX  years after Account was closed I recieved a lawsuite without any notification to question validity of debt and accounting. Lawsuite was dismissed in my favor. Then Amex began to play games reporting false balance owed, and reporting late payments of XXXX  months and more, as if Account was open. I filed a dispute. They changed status to charge off, but continue to file every month on this closed and lawfully dismissed Account. I am wanting all late payments reported removed from time of account closure.

Company response to consumer: Closed with non-monetary relief