BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
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: Personal information incorrect

Complaint:
I have tried for several month to have addresses and personal information remover off of my credit report, but the credit reporting agency have not complied. I've been a victim of Identity theft and I fill that this may be the reason it's happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CCS Financial Services, 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 am writing to CREDIT COLLECTION SERVICE agency because I am having difficulties applying for new credit cards. I paid the collection and do not owe anything, but the mark in my XXXX report prevents me from achieving the desired results. 
I am kindly requesting CREDIT COLLECTION SERVICE agency to remove this collection from my credit report as a gesture of goodwill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX account balance was incorrect by showing a balance for the car loan that dated back to XX/XX/XXXX and a balance of {$4300.00}. I disputed the entry with Report Number : XXXX through Experian but also called XXXX XXXX XXXX XXXX about the issue. 

XXXX XXXX upon their initial call to me indicated that they had reported through XX/XX/XXXX. As I explained to the XXXX XXXX Complaints Management department for XXXX XXXX XXXX XXXX, after filing the dispute Experian updated the balance through XX/XX/XXXX. XXXX XXXX has continued to investigate but finally stating the issue is not theirs but Experian 's. As I explained to XXXX XXXX today, XX/XX/XXXX, I will continue to review my credit each month and call XXXX XXXX to have them investigate the issue and file disputes with Experian. However, this is a FCRA issue and someone needs to get it straight. 

However, Experian doesn't appear to care about it being a violation because they still haven't updated my report as of XX/XX/XXXX at which time I filed another dispute. 

Your assistance is required since I not only view this as a FCRA issue but a discriminatory act by XXXX XXXX to keep my credit score lower and thereby having credit denied to me. My Experian score is approximate 50 points lower than XXXX  and XXXX scores. Your assistance is required 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 explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I receive a letter about my student loan being suspended, the credit bureaus XXXX, XXXX, Trans Union, will not remove this from my credit report and will not verify the letter I sent them all the letters also

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 2020-12-15
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a dispute for goods/ services and at the end of the process paypal indicated that the dispute was not eligible for the protection. 
On XX/XX/2020 I filed a dispute XXXX. The charge indicated that it was eligible for paypal protection. This was a charge I paid for goods and services and not a personal payment to family/ friends.The process was initiated and information was requested on both sides. A claim had been escalated. On XX/XX/2020 paypal then indicated that the charge in question was not eligible for paypal protection. I take issue with paypal having me, having the merchant and having paypal going through the motions of what appeared to be a process that qualified for paypal protection only to notify me at the end of all of all of that tremendous effort by all parties that the charge actually did not qualify for the protection. If the charge didn't qualify then why not just tell me right off the bat that it isn't eligible? It looks like the charge in question was made to family/ friends category. Why take three days and gather information from both parties if that wasn't even the case to begin with? I wouldn't of even bothered wasting my time because I know the difference between what I can and can't do with a personal payment versus a payment for goods and services.It doesn't make any sense and I believe there is a criminal element of deception and falsely putting this into a category that it shouldn't be in. 
Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 2020-12-16
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have signed up for text and push notification when theres a balance in the summer. I had a medical issue in XXXX and did get a chance to use my computer to check my emails. I expected the company to send me a text notification as a form of communication when theres a balance in my account because they offer that option on their end. I did not receive that as a form of communication for a balance I accumulated since XXXX. I also thought the automatic payment went through because I put extra cash in my checking account in preparation for my medical leave. I know Id have enough to cover for the payment. Because I did not receive any text and push notification, I assumed my account was in good standing. It turned out that it wasnt. I was made aware when I found out Discover reported a late payment to the credit bureaus when I checked my credit score. If Discover offered that option to receive text notification to consumer, they should follow through. There was a glitch with the app that I did not received any push notifications either. I spoke with Discover on XX/XX/2020 and they admitted they never sent me the texts. They were firm that they sent me emails and push notifications. However, the push notifications does not show properly in the app as well. It appears unfair that the consumer was given an option to be notified through text, and that did not happen. Discover can not assume that responsibility on the consumer when the consumer requires and requests other forms of communication, in this case - through texts when its available, in different circumstances. If Discover offers that option in the first place, they should honor that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX 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 2021-08-20
Company: Luckmore Finance
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX  ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX  ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have no lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus.

Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ...

Improper contact or sharing of info. ...

Excessive phone calls

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
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:
THIS HAS BEEN AN ONGOING ISSUE. THE XXXX ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE XXXX DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS XXXX COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES XXXX DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. XXXX DAYS ONLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid 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:
Ref : XXXX - card ending XXXX American Express Gold New card was opened as a brand new customer of the product ( never had this Gold card previously ) on XX/XX/XXXX XXXX XXXX. Referred new customer sign-up bonus was presented as XXXX MR ( Membership reward ) points for spending {$2000.00} or more within 3 months from approval date. My bonus eligibility was triple-checked using Amex 's own bonus/application eligibility checking website tool. It went through perfectly without rejections or warning notices about not getting bonus. Referred friend who introduced this product to me got his XXXX MR referral points. So, they know which product and bonus I signed up for. For XX/XX/XXXX approval, my physical card was shipped out on XX/XX/XXXX with major delay and finally received XX/XX/XXXX. Right upon receipt of the card, I called Amex service team and double-checked my bonus eligibility requirements and deadline and amount. I even requested for spending extension due to late arrival of the card. The service agent said it is still ok because I have 92 calendars days to spend {$2000.00} and ask me to call again to get extension if needed. The bonus detail was re-confirmed by the service again via phone on XX/XX/XXXX. After fulfilling spending requirement in XX/XX/XXXX and again XX/XX/XXXX ( about {$7000.00} USD ), Amex is now saying that despite fulfillment completion, due to misuage (? ) they can not issue XXXX MR bonus points to my account. They often use " misuage '' when a former customer takes advantage of receiving bonus by re-opening the same product account but my card is absolutely brand new. Never had anything like this. During application process, their own eligibility checking system failed and today is XX/XX/XXXX and they are not releasing due membership reward points to customer who satisfied all requirements. Clearly violating service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, 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:
They company reported back to my original complaint on XXXX that they verified and checked the accounts they lied I pulled up my credit report as of today and one item they claimed was not there is showing there as of today which further proves they have not done their due diligence to fix the errors on my credit report. Identity theft should be taken more seriously and handled immediately this company has been a hinderance and has prevented me from a fair and completely accurate report they should not be considered a credible source of information as I am providing information they formally lied in a cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 : Also States a consumer reporting agency can not furnish an 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 non-monetary relief