BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I discovered an unauthorized charge on my  American Express  card in the amount of {$12.00} for an  XXXX   XXXX  membership on   X/X/17 .  I contacted  American Express  and was told that I did not have to close the account but they would place a merchant block so that  XXXX  would no longer be able to charge my account. The same charge appeared on   X/X/17 .  I called again and was told that I should close the account and open another one. I inquired about the merchant block and was told that with memberships, they continue to be charged even after an account is closed. I asked how the issue can be resolved since the unauthorized charge is for a membership. I did not receive a satisfactory answer. I later received an email stating that an account number that I did not recognize was charged for {$12.00} for the  XXXX   XXXX  membership. When I called  American Express  again I was told that an old account that was closed many years ago was accessed and the charge got processed through that account and then bounced to the new account. I explained that many years ago I did close an account due to a security issue. I was told that it was not closed properly. At this point I have been told on the phone by various  American Express  representatives that all of my accounts are closed as I had requested at this point but I continue to receive email that contradicts that information. I contacted  American Express  headquarters in New York and was advised to send them a letter. I sent them a certified letter on Saturday,  XXXX   XXXX . I called today after having received an email that seemed to indicate that there is still an open account and I was told by staff in their legal department that someone would call me eventually but would not give me a timeframe. I have spent many hours on the phone talking to many American express representatives. Several calls have lasted  1 to 2 hours  in which I was transferred to numerous representives. Some of the representatives have been in the US and some have been outside of the US. Some of the phone connections have been OK but some have been extremely poor. There has also been a language barrier with numerous representatives. Overall this experience has been extremely time-consuming and inefficient and is still not resolved. To clarify, while I have had an  American Express a ccount, I have been the only authorized card holder

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently the victim of identity theft following the XXXX data breach and someone obtained my social security number. I first noticed suspicious activities on my credit in XX/XX/2022 as they attempted to obtained a number of credit cards, loans and tax returns using my social security number. All of the companies which they sent a request to other companies including XXXX, XXXX, XXXX XXXX, and XXXX denied the credit after a brief inquiry however XXXX XXXX approved them for multiple accounts despite an outdated address and no valid phone number. 

Recently XX/XX/2022 I received a notice from a debt collector claiming I owed XXXX {$1100.00}. XXXX has been unhelpful and passed us on to the debt collector Convergent Outsourcing who also couldn't help us. We have submitted a fraud claim to XXXX including police reports and proof of identity fraud but have not heard back. They first made a lot of soft inquiries on my credit report around the same time as the new credit card attempts and continued checking soft inquiries even after I froze my credit and set the identity theft alert on all three credit bureaus. Then they put an outstanding balance on my credit report which significantly hurt my credit score.

They failed to take proper security measures to stop fraudulent accounts from being created when every other company did not fall for it. Additionally they have been unresponsive and actively hurting my credit score.

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 2017-05-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SENT CERTIFIED LETTERS ON  XXXX  DIFFERENT OCCASIONS TO ALL CREDIT BUREAUS (  XXXX , EXPERIAN AND  XXXX   ) IN REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND M Y NAM EIN DIFFER ENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XXXX    , XX/XX/XXXX  THO SE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  ONE ACC OUNT FROM TEXAS BUT  LEFT ANOT HER  ONE IT  ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may co ncern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to t he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispute d information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-12
Company: JPMORGAN CHASE & CO.
State: MI
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:
Hello I just made a large payment of {$650.00} to my  Chase card two day s ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,   XXXX   I was alerted that I have a collection notification on my credit report.     For the amount of {$690.00} from Collection Agency : MIDWEST RECOVERY SYSTEMS, This is the first i 've ever heard of this. I 've never not paid a single debt I had. I 've googled MIDWEST RECOVERY SYSTEMS and this seems to be a fraud / scam collection company placing unwarranted reports on multiple peoples credit report.. I 've never received a phone call, an email, a letter. NOTHING and this magically appears on my equifax report.     This is 100 % identity theft or some sort of scam as I do not own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2017-05-11
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: Information belongs to someone else

Complaint:
In   XX/XX/XXXX  I re viewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    balan ce. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and   XXXX   and Experian verified the account.  XXXX  stopped reporting the account.   XXXX   and Experian referred me to  XXXX . On   XX/XX/XXXX  I wro te my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have s ent two other letters, ( one  on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) sta ting that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters.   XXXX   and Experian continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to cease  all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. Si nce this is now my  4th le tter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to t he C.F.P.B., wh at are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion refusing to correct personal information. My correct name is XXXX XXXX XXXX I sent proof of residency and Drivers license. TransUnion is reporting my name as XXXX XXXX XXXX and XXXX XXXX XXXX old addresses listed. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect employers. Im self employed. 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
XXXX has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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.

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 2023-02-01
Company: EQUIFAX, INC.
State: WY
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:
XXXX - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX  I am also attaching the Fraudulent Foriva account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$2100.00} IF AND WHEN IT COMES IN TO MY PROFILE .... PLEASE REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Report provided to employer without your written authorization

Complaint:
In accordance with this Fair Credit Reporting act 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 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 2023-05-12
Company: PLANET HOME LENDING, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Planet Home Lending began servicing our mortgage in XX/XX/XXXX. The company offered budget payments ( bimonthly ). This seemed like a good idea since it would provide us more funds at the beginning of the month. In XX/XX/XXXX, the company mailed me a letter with the form to complete. On XX/XX/XXXX, I faxed the completed form and voided check to the company from the local XXXX store. The letter dated XX/XX/XXXX stated that I would be notified of the date the budget payment plan would take effect. The letter did state that the mortgage must be current, which it was, and to include a payment with the budget drafting setup form. I paid the XX/XX/XXXX payment online as I always do. It was withdrawn from our checking account on XX/XX/XXXX. Since the mortgage was current ( and has always been ) and the XXXX payment made, I awaited a letter to inform me of the effective date. 
On XX/XX/XXXX, I went to the store to purchase groceries and my account was overdrawn due to a {$1100.00} withdrawal from Planet Home Lending. I had not received notification that the withdrawal was to begin. I received two letters in the mail on Friday, XX/XX/XXXX, from Planet Home Lending notifying us that the payment would be drafted on XX/XX/XXXX in the amount of {$1100.00}. I called the mortgage company because this would result in them receiving TWO full payments in XXXX to the tune of over {$4400.00}. They said I should seen this information in the application provided. The application did not contain any information that the budget program would start immediately and take a full mortgage payment out after you had already made a mortgage payment that month. The representative said that payments are scheduled ahead of time every 14 days and drafted on XXXX. She would not refund the amount withdrawn. Before I completed and returned the budget pay forms, I read the information they provided and even checked their website for more information about how the program would work. There was no information provided. This is unbelievable that a mortgage servicing company can do this to people. Luckily, it will not bankrupt us, but it does cause a hardship when I make two mortgage payments in one month without my consent and without the company informing me. 
The letter received on XX/XX/XXXX to inform me that the draft would start on XX/XX/XXXX was dated XX/XX/XXXX. It was mailed on XX/XX/XXXX as is evidenced by the XXXX XXXX meter stamp. I have all the documents including the original form I completed and faxed to Planet Home Lending, the XX/XX/XXXX letter, the XXXX XX/XX/XXXX letters along with the envelope that is postmarked. Also, I have Informed Delivery from the USPS. I have saved and printed the email showing the arrival of the two letters from Planet Home Lending today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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
Consumer complaint received 2017-05-11
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We opened an account with the company in  XXXX . After a few years of using the credit card we destroyed the card and no longer used it. The amount charged on this card was approximately {$6500.00}. We paid on this card for almost thirty years and as of today, they are still saying we owe them money. I do not see how this could be possible. I later received a notice from them about this ( sometime in  XXXX  ) and agreed to pay  XXXX  per month ( with all to be applied to principal ), which we did. In  XXXX , I received my last statement from them and assumed the debt had been paid in full. Much to my surprise in  XXXX , they had turned the account over to an attorney for collection. Each month they would add on a fee for about {$45.00} or {$50.00} for some type of insurance. We did not agree to this being added to the account and they were told to remove this from the account. Bottom line is they say we owe them a substantial amount of money that we do not agree with as there have been no transactions whatsoever on this account in years.

Company response to consumer: Closed with explanation