BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: GA
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 have disputed this was Experian and they will not remove a bankruptcy that is far too old to be on there. 
Account Info Reference Number XXXX Court US BKPT CT GA XXXX. I have also called the US bankruptcy court in XXXX Georgia and they have no record of this. So I'm not sure how they are checking the dispute.

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 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Dispite repeated calls American Express continues to email me information for another user. 

Ive contacted them asking them to fix and stop emailing me for the other user but the emails continue. 

Im sure the user would file her own complaint if she knew I was getting details about her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: TX
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:
good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. XXXX has not validated the alleged debt they are claiming under my name. I have sent XXXX debt validation letters on 3 different occasions to XXXX  different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from experian and 1 letter from XXXX ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the us postal service website showing they in fact received my 3rd letter and still have not replied let alone provide proof. XXXX received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the fdcpa and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and XXXX since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX  didn't when only one furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and XXXX is facing serious violations and so is experian.

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 2023-10-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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:
I pulled my credit report and noticed several inquiries that I did not authorize. On my Equifax report I see 2 inquiries from XXXX XXXX and 1 from XXXX XXXX  on On XXXX. On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
More than XXXX months ago Bank of America changed the PIN number of my debit card without without any previous notice. About XXXX weeks ago I contacted Bank of America and asked them to provide me the new PIN number because Bank of America was asking me for the number in order to process wire transfers to other bank accounts. The Bank of America representative told me that I had to stop by a BoA branch in order to reset my PIN number. I told him that I was residing abroad and that I could not travel to the US just to reset the PIN number of my debit card. The BoA representative told me that they were going to mail the new PIN number via regular mail but I asked him to mail the new PIN via express mail because BoA was asking me the PIN number to process a wire transfer. The BoA representative refused my request and reiterated that they were going to mail the new PIN number vial regular mail. I have been waiting for more than eigth weeks for the new PIN number but new the PIN has not arrived yet. Not having the new PIN number of my debit card is very inconvenient for me because I can not make payment or transfer funds from my account at Bank of America to other bank accounts. 

I will appreciated if you look into this matter and help me to resolve the problem with Bank of America.

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 2018-12-19
Company: Cooling & Winter LLC
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:
On XX/XX/XXXX I was sued by XXXX XXXX for a defaulted credit card. The attorney that was suing me for {$1600.00} and XXXX dollars for court costs on behalf on XXXX XXXX was XXXX XXXX XXXX XXXX XXXX and that was the last I heard about it until XX/XX/XXXX when I received a letter of garnishment from the law firm Cooling & Winter informing me that they have gotten a judgement against my employer on XX/XX/XXXX and will be garnishing my paychecks.for XXXX principal and XXXX in post judgement interest, and XXXX in other fees. After frequently calling them trying ( and failing in both aspects ) to have the garnishment stopped and a payment arrangement agreed on I posted a complaint on the XXXX website ( XX/XX/XXXX ) where they finally respond " We appreciate the opportunity to respond to this review. Fair customer treatment is a high priority for our office and we prefer to resolve debts with consumers voluntarily, without using the garnishment process. However, in this case, no payments were made toward the debt in response to the lawsuit or judgment in XXXX, or at any time since then. We evaluate settlement offers and payment plans based on the particular facts and circumstances of each case and invite you to contact our office to discuss repayment options ''. ( XX/XX/XXXX ). 

After 28 days of multiple phone calls and emails sent to the person handling my file explaining my problem with 25 percent of my paychecks being seized I get a phone call from a XXXX XXXX who tells me that in XXXX Cooling and Winter tried to call me numerous times and in XXXX they sent me a letter to settle, but to have the guy actually in charge to decide if its okay to reduce the amount they are taking out of my checks I will need to submit 3 of my paycheck stubs.That very day I email 3 of my paychecks stubs to XXXX XXXX and wait. Wanting to know if a decision has been made I email XXXX XXXX XXXX on XX/XX/XXXX to find out on the XXXX of XXXX that XXXX didn't send my paycheck stubs to him. It has been six days since then and I haven't received a email or a phone call. 

It has been almost 2 months since I was invited to discuss repayment options. Every time Cooling and Winter takes the full 25 % of my paycheck I not able to afford my living expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A few months ago i noticed over XXXX auto loan inquiries on my experian credit report. I know it was fraudulant because I am not in the market for a new car. I bought my car back in 2019 and have not applied for loans since then. I printed off all of the information that experian requires for disputes and i sent it to them via USPS certified mail. I explained to them that none of these inquiries were made by me and are fraudulant. I further explained that if they are not connected to a account on my report then I want them removed. out of the XXXX fraudulant inquires they removed XXXX! Having that amount of inquires on my report is affecting my score ( which im in the process of re-building ) and its making things difficult for me. 

XXXX of them are from ( XXXX XXXX ) XXXX of them are from ( XXXX XXXX XXXX ) XXXX are from ( XXXX  XXXX XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX XXXX XXXX from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX ) Those are XXXX inquires that I did not make! and experian refuses to REMOVE. these inquires were made fraudulantly in my name. Those are just the ones that stuck out to me because there are so many so I may have missed some. All I want is these removed from my credit. This has had a negetive impact on my life and i have had to apply security freezes to multiple reporting agencies including locking my credit report with experian becasue im scared its going to contine due to their lack of help.

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 2022-07-13
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/22 I was sued by a company called Credit Corp solutions for the amount of XXXX on a XXXX account they claimed as mine. I explained to the courts and debt collector I have never opened a credit card account with XXXX. In court XXXX XXXX. Solutions had no verification of the debt or any proof the XXXX account was mine. The court ordered a continuance to be investigated for fraud and go back to court on XX/XX/22. I immediately ran my credit reports XXXX, XXXX and XXXX. I could not find the account they are claiming I owe. I also called Credit Corp solutions XX/XX/XXXX and they told me it was under fraud investigation and I needed to wait 30 days. I also asked for extra information on the account to be able to research the debt but was told is under fraud investigation. All I have is the last 4 digits of the credit card I'm missing the other XXXX digits. I still tried contacting XXXX directly and they have no record and could not help me without a full account number. I have contacted Credit Corp Solutions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They continue to tell me they don't know anything and that the account is under fraud investigation. After begin told it would only take 30 days to conclude the investigation. I feel my hands are tied I ran the credit reports as well as contacting XXXX and Credit Corp Solutions and have gotten no information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: TN
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 have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Lending Club Corp
State: TX
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:
This is XXXX XXXX XXXX, and I am filing this request myself to address the inaccuracies on my Credit Reports. I am requesting for the correction and removable of the incorrect information about my account has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. In addition, the inaccurate information about my accounts is still on my reports. For that reason, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a validation of debt in XXXX 2021, debt was not verified and was removed from XXXX. Demanding for debt to be removed from Transunion and 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 2020-11-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, XXXX  and Experian chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} Balance since XX/XX/2020. However, XXXX  and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance

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 2023-04-11
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and Iam making this complaint against Telerecovery for committing identity theft. I have never given Telerecovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im demanding a cease and desist of illegal activity, any alleged debts until Telerecovery can provide me with sufficient documentary evidence, such as trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and company continues its collection efforts, I will file for litigation for actual damages caused and Telerecovery will be held liable for aggravated identity theft Pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of documents herein and of this notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Telerecovery # : 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 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
We have been disputing a fraudulent charge with Bank of America twice but unfortunately both fraud claims got rejected by BOA. The fraud case happened inside the XXXX  XXXX gas station in XXXX XXXX, XXXX on XX/XX/2020, XXXX XXXX  in our way to the airport. We stopped to fill in the gas tank and the employee at the gas station asked us for the credit card in order to swipe it and make the charge of {$37.00} but the transaction was immediately rejected and we had to pay cash instead. More importantly, at the same moment, we received 2 emails and 2 SMS text messages alerts from Bank of America about 2 unrecognized transactions. 
There were 2 charges made on the card at the same time ( XX/XX/2020, XXXX XXXX ) for {$37.00} and another one for {$470.00}. The problem we are disputing is the second transaction for XXXX by another MERCHANT " XXXX XXXX XXXX '' and according to the email we got from BOA, the merchant is also located in XXXX. When we received the emails, we followed the instructions as noted in the email and took action to deny the unrecognized transaction and we asked the bank to close the account and send us a new card and they did. 
We did not engage in any transactions with XXXX XXXX for {$470.00}. It is absolutely a scam/fraud and we are disputing this charge. Please see the attachment for the 2 emails we received from Bank of America about the 2 transactions and you can check the transaction timestamp. Both happened at the same time when the employee at the gas station tried to swipe the card. 

We are requesting your help to investigate this case with BOA very thoroughly.

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 2023-04-12
Company: EQUIFAX, INC.
State: TX
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick deletions of the following items : XXXXXXXX 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 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 response to consumer: Closed with explanation