BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
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: Seized or attempted to seize your property

Complaint:
( original complaint - This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity. ) AMEX has sent the same response twice, and we've tried to call the AMEX attorneys today. We have eight weeks of records showing our attempts to discuss this with the AMEX attorney. They have YET to respond to our calls. We will file for a jury trial in XXXX County Georgia on XX/XX/XXXX unless we hear back from them. AMEX doesn't take this seriously because they/ve not replied with anything different after all of these complaints. All information contained within our complaints here will be used as evidence in our suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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: Personal information incorrect

Complaint:
THIS IS THE 3RD TIME THAT I HAVE ASKED TRANSUNION TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.

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 2023-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Aldous & Associates, PLLC
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:
Aldos & Associates keeps changing the date on a collection from 2017 gym membership. It was for a free trial I forgot to cancel. Because I didnt renew and keep this membership they placed it into collections. This is unlawful and I can prove this issue is from 2017. The fact that I care should display character that Im being honest. Please help me remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: MD
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, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ashley Furniture HomeStores/SYNCBis u nder violation of the law, according to the letter from a previous dispute. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the c
onsumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

The term affiliate means any company that controls, is controlled by, or is under common control with another company.

Ashley Furniture HomeStores/SYNCB states in the letter that the account was charged off and placed with XXXX XXXX XXXX XXXX XX/XX/2021. 

Ashley Furniture HomeStores/SYNCB later states in the letter that the debt has not been

discharged. This is unfair and inaccurate reporting.
The debt should not be showing as " charged-off '' on my consumer report.

Subsequently, creditors are obligated by law to report fairly and accurately to the consumer agencies under the FCRA.

" We will continue to report the status of your account to credit bureaus '' " Since Synchrony Bank has not discharged this debt, a Form 1099-C has not been issued. " SYNCB completely disregards the law from the IRS and the FCRA.

Please remove this account as being " charged-off '' from my consumer report.

SYNCB has an obligation to follow policies and procedures under the FCRA. The letter shows that the communication to XXXX XXXX XXXX, that they are in clear violation of FCRA and uses unfair debt collection practices.

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 2020-02-10
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my payment on the due date of XX/XX/2020 & received a confirmation for it being received on the due date Then was charged a past due fee of {$26.00} on the same day & they wont remove it I originally had paid this thru my Bill pay with my banking institution & there was a glitch in their system so when it didnt go thru paid it directly with the card companys site

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TD BANK US HOLDING COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I purchased a dress online from XXXX for {$120.00} The merchant was discriminating against me in returning the item, theyve wanted to offer me a discount instead of me returning the dress, theyre trying to borrow time, I replied to the merchant that the dress doesnt fit me because it has built in bra these is not noted on the website during purchase. 

I returned the dress as the address provided by the merchant. 

XXXX  failed to protect my rights as a credit card holder under the applicable law. 

Please see copy of postal receipt included with this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: WVH, LLC
State: UT
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 asked for me to stay to clean and then charge me for Rent. I would have just left because they kept my deposit and they charged me for doing what they had asked me to do. Then they charged me for Rent?! 
I finished my lease completely They offered month to month rent agreement ( I might still have the documents for this actually ) then 2 weeks later decided that I had too many complaints and because I lost my job ( which was found to be wrongful termination ) I was not even eligible to apply and I was told that " because you lost your income you no longer fit the requirements to reside here or any of our sister company 's and I wouldn't recommend that you apply because they can see the notes we have on file for you and you will be denied. " ( I am still not completely healed from my job loss, that destroyed me and my confidence and my life and this lady said this too me with no empathy, I left the office in tears ) they are the largest apartment company in my town. I was homeless with my XXXX kids, for a year after and I have applied to several places and keep getting denied. Or landlords show interest and then they get my credit report and I never here from them again. Im still looking for places but I'm stuck paying more than I can afford because I don't have any other options and I can't even try to repair my credit. I can't afford anything. This has really hurt me and my life has been destroyed. They have a collection on my credit too through simplified recovery, I've disputed this twice. Please help me with this issue, please. 
Thank you for taking the time to read this and please let me know what I can do to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I had a credit card with comenity bank, that i paid in full on XX/XX/2021, they kept charging me trailing interest and late fee over the trailing interest which I kept paying, no explanation as to why they kept charging me, the last fee was paid off in XX/XX/XXXX, they reported me late XX/XX/XXXX, I am in the process of buying a property and my credit score when down significantly, and now I am facing losing my EMD deposit of XXXX, because my fico is too low for the program that I am currently doing, my closing date is XX/XX/2021, and we dont have enough time to switch to FHA financing. 
please help. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: GA
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: OH
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a credit dispute on XX/XX/XXXX, and its XX/XX/XXXX and there havent been a response from Transunion. Its a clear violation of the FTC against Transunion on responding to disputes.

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 2023-07-27
Company: Experian Information Solutions 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:
I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tails of. Please view the item below. XXXX XXXXXXXX XXXX Account XXXX XXXX Date of last activity has been re aged. And 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account was removed by Experian and place right back after the original creditor didnt respond within the 30 days Experian placed it right back on my credit profile. The data furnisher did not respond to the request for investigation and the disputed account was removed from your credit report. The result summary was sent to you on XX/XX/2023.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-11-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i was requesting the credit agencies to remove all fraud alerts from my consumer report i never got a response back nor fraud alert was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I share an XXXX credit card with my wife XXXX XXXX. On her Equifax credit report, it shows there is a remaining not paid balance of {$250.00} with XXXX. But on my Equifax credit report, it shows the XXXX balance is paid off with a XXXX balance. My wife 's credit score is much lower because of this discrepancy and we were denied on a home loan because of it. When I called Equifax, they said they had no idea why XXXX had not reported on my wife 's report in one month, and they suggested I call XXXX for assistance. When I called XXXX, they too had no idea and suggested I call Equifax for assistance. I honestly feel like my wife is being targeted due to her XXXX. 

Last update of her Equifax credit card balance was exactly one month ago. Not only that, every time we use our XXXX card, within the hour we pay off the entire balance. It's not fair that XXXX reports the balance immediately to the credit agencies, but XXXX doesn't report the IMMEDIATE same day payments. 

I need an answer why my report is different from my wife 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Submitted a dispute about an inaccuracies on my report. Chexsystems did not accurately verify information

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