BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Lendmark Financial Services
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:
Lendmark did not address any of my concerns, see their response on XXXX. 

Please be advise that I have notified the Attorney General. You all have repeatedly violated my rights as a federally protected consumer. I am now going to be pursuing further action as Lendmark is showing their willful noncompliance to federal law at my expense. I have the right to privacy and that has been breached by Lendmark. I have tried many times to rectify this situation before escalating these concerns. 

In their responses, they keep addressing me as XXXX AND stating or to whom it may concern as if I am not the one who has been filing these complaints. This is an example of their complete disrespect and disregard for how they are handling my concerns. Lendmark you have been placed on notice for the multiple violations and all I have asked for was for you to remove this unlawfully reported account from my consumer reports and you won't even do that. 

The FDCPA states that you are to cease all collection activities until you have produced verification of the alleged debt if requested by the consumer. As per the FTC, this includes reporting to the consumer reporting agencies, which you have obviously done illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  XXXX XXXX : {$780.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX  XXXX XXXX  Balance : {$0.00}

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 explanation
Consumer complaint received 2019-11-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THERE IS A FRAUDULENT ACCOUNT IN MY NAME ORIGINAL CREDITOR - XXXX XXXX XXXX CURRENT CREDITOR - CREDIT COLLECTION SERVICES AMOUNT OF THE DEBT - {$120.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-03-23
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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: SC
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

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 under FRCA, Section 616, and pursue legal action. 

Sincerely, 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 2021-06-09
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
XX/XX/2021 - I purchased 3 XXXX Airline Tickets with my American Express Platinum card for travel dates XX/XX/XXXX - XXXX. 

XX/XX/2021 - We checked in at the XXXX XXXX XXXX and my 3rd ticket ( which was purchased for my son ) was not recognized for free first checked baggage and I was charged {$30.00}. 

XX/XX/2021 - I contacted American Express Customer Service number on my card ( XXXX ) and spoke to XXXX who put a watch on the charge. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX. I explained that I was charged for baggage on XX/XX/XXXX and XX/XX/XXXX and I should not have been charged. I explained we checked in via the XXXX XXXX at both airports and my sons flight was charged the baggage fee. He put a watch on both charges. 

XX/XX/2021 - I received an email from American Express that the {$30.00} charge was posted to my account. 

XX/XX/2021 - I contacted American Express Customer Service number ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained the charge again. This time I was told that the charge was for excess baggage and I would have to contact XXXX XXXX to resolve this matter. I requested to speak with her supervisor, XXXX came back on the line and said she spoke with her supervisor and they will credit the account {$30.00}. I insisted on speaking with her supervisor, and finally, she got on the line. XXXX was her name and she assured me the charge would be credited to my account within 24-48 hours. 

XX/XX/2021 - I received an email - see copy of email attached. 

XX/XX/2021 - I contacted American Express Customer Service ( XXXX ) and spoke with XXXX ( located in XXXX ) and explained my situation, again, she said she would change the dispute and I would see a credit within 24-48 hours. 

Needless to say, I am canceling this card once this matter is resolved. I did not have excess baggage and was charged for baggage that I should not have been charged for and I was unable to resolve the charge at the airport, expecting that American Express would be able to assist me with this matter. I was wrong. 

I would greatly appreciate any assistance your office can provide to resolve this matter. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different XXXX removal dates within a 2 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunion results has verified this account as accurate. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this one account are INCOMPLETE but transunion has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this one account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-24
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX, XXXX in XX/XX/2020, disputing the validity of reporting this debt. There isn't any record of any contract or agreement with them and they have failed to provide any proof of validity. I also contacted XXXX, XXXX, and Experian. There has been a failure of any response. 

They are also been in violation of the recent FTC ruling, by " debt parking ''. I wasn't contacted or made aware of this alleged debt any time prior to it being reported. In the recent case of FTC vs Midwest Recovery Systems, the court ruled that " debt parking '' is illegal and is a strategy known as passive debt collection. 

debt parking can result in a consumer only finding out that a purported debt exists when his or her credit report is accessed in connection with buying a car or home, opening a credit card, or seeking employment. While the debts may not be valid, consumers can feel pressured to pay them off. 

I have sent letters to all credit bureaus and this company and I am being ignored. I do not have the same power as them, but they are affecting my livelihood with something I do not owe. This has been fraudulent, and now they have created a history of using that to blemish my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Upgrade, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a XXXX XXXX XXXX XXXX Card from Upgrade in XXXX of 2022. Upgrade openly markets the account type I signed up for as being a cash back card. 

Over the course you using the card for a few months, I accrued cashback in the account. I have tried multiple times to contact Upgrade for how to make use of the rewards, however, they deny them to me repeatedly, most recently as of XX/XX/2022. 

After many slow and frustrating calls into customer support, Upgrade told me I need to carry a balance for " long enough for the rewards to kick in '' at 25 % + interest rate. 

In conclusion, Upgrade is telling me I can only access my cash back by paying massive amounts of interest. This is not in their terms of service.

Company response to consumer: Closed with explanation