BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-23
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is a letter I am mailing to the company. I already talked to them on the phone, but I want to send a formal complaint in writing. It has all of the pertinent information in it. 

" To whom it may concern : I am writing this letter in regards to my American Express Serve/XXXX XXXX card. It was brought to my attention yesterday ( XX/XX/2019 ) that my account was permanently closed due to a violation in the member/user agreement per Section " 15D ''. I have read such section, which is very vague, and I am not sure what " violation '' American Express is alledging I did. What a way to do business! I was NEVER contacted, PRIOR to you closing my account. Instead of you attempting to communicate with me to ensure my account was protected, or even find out if I was aware of suspicious activity, you close my account. I work for the XXXX XXXX ( a XXXX XXXX ), and I have NEVER done anything illegal and/or inappropriate with my card. I am formally notifying you that there obviously been some fraudulent activity relating to my card, that I was not aware of, and your company so graciously waited until AFTER the alledged activity to make me aware of it. Via the Freedom of Information Act, I am requesting a copy of ALL my transactions connected with your decision to close my account. I am also requesting arbritration for your decision. I am also contacting the XXXX, Consumer Protection, FCC, Ohio Attorney General, and any other entity or individual I can think of that can assist me with this matter. 

I only used this card in a " normal '' fashion, the same as an average person would. Subsequently, whatever you are alledging I did that resulted in a permanent closing of my account, was NOT of MY doing, or MY authorization/permission. Someone has infiltrated my sensitive information and your " company '' is punishing me for it. 

I feel the way American Express has handled this is NOT best practices and really is an indication you have no concern for the cardholder. 

I would appreciate a timely reply, and that this reply has as much diligence and enthusiasm you did when you arbitrarily and capriciously made an unilateral decision to close my account. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 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 2021-01-07
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
we have used paypal for a few years and this last summer i was sent an email that stated my account was on limited and i was not able to obtain XXXX of my money for 180 days i waited the 180 to come back to my account and they had deposited into their own account and then said i had not followed the user guidelines ... .we sell consumer XXXX  everything that i do is by the law - there is nothing not a trace stating that i can not sell XXXX  and use the service to obtain funds for transportation again nothing that does not adhere to the law - ive never been told anything other than they won't give my money back. i am a XXXX XXXX and this is absolutely stealing and i really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: KeyBridge Medical Revenue Management
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not notified properly about the debt owed until after it was turned into collections. I contacted the debt collector and paid and satisfied the debt. I asked debt collector if they could remove the debt from my credit report since it was satisfied and they stated no they could not!

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 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX A XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00}

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 2021-01-07
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVN FUNDING at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2021-06-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that ADS/COMENITY/XXXX  prove to me that I opened an account that's been reported on my credit report. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to myself for their investigation of my dispute. This did not happen. ADS/COMENITY/XXXX  has been taking advantage of consumers during Covid and during my initial complaint that they ignored for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, this debt for {$520.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I paid off a loan with XX/XX/XXXX and on the last month they had a different/ lesser amount listed which I paid in full. Then 3 weeks later I look on the app and it says I didnt pay amount in full and was past due. I paid the amount listed, it was an error on their end on two app. I also paid the balance in full within 30 days but they still reported the late payment to the credit bureau. When I called them they said they would have it removed but they did not keep their word. They even waived the late fee so clearly they were at fault.

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 2019-02-15
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : Both Equifax and XXXX began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX checked into my dispute regarding this account and removed it immediately. Both Equifax and XXXX, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about XXXX points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither Equifax nor XXXX  could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, XXXX  continued to add a suffix to my name that does not exist over my objection. Equifax did the same thing. I disputed this with them, but only XXXX  fixed the error. Equifax refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated one company ( out of XXXX accounts ) reported my name as XXXX., and they would take that company 's word over mine and that of XXXX companies. This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX is showing an account as as paid. Then they report another account as a closed charge off. However the account they are reporting as a charge off has a balance of XXXX. I have no knowledge of the account, and XXXX XXXX  has not sent me any documentation on the alleged account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: BARCLAYS BANK DELAWARE
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: Problem with rewards from credit card

Complaint:
Barclays closed my credit card account due to inactivity. I have about {$15.00} rewards with them and I can't get the {$15.00} because you need at least {$50.00} to redeem. I called and said there is nothing they can do. I asked to file a complaint and the agent said she will file a complaint but not let me know what would happen to the complaint ( no record of emails, etc. ) It's my money! Can't they send me a check or something?

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 monetary relief
Consumer complaint received 2018-03-26
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am re-submitting a complaint against a debt that I do not owe. Hunter Warfield ( Collection Agency ) and XXXX XXXX XXXX XXXX XXXX   ( Apartment Home ) will not and still have not provided the documents required to me by law. They state that they have pictures of the damage done to the wall of which they will not send and a move out inspection form that was signed by the leasing manager that states I did not owe any balance on move out. The refusal to send the documents shows that the apartment home and collection agency are keeping the information from me. I have attempted to resolve the issue with both parties and they both have given me false statements saying they will send the information I have requested. In my last complaint they responded with a copy of my lease and the bill ( balance of the account ). That information is not sufficient in proving that debt is mine being that a document was signed stating that I had a {$0.00} balance and the pictures they have will clearly show that the wall just needed to be painted. I was also to on the phone " As a one time courtesy the documents will be sent to you ''. First I have a legal right to any documents especially if it is associated with a debt that is owed. Second, painting an apartment is basic " wear and tear '' in an apartment. The bill states sheet-rock repair. If the pictures even actually exist you will see that there are no repairs needing to be made. Third, If they had this information why didn't they include it in the first complaint? At this point in time because Hunter Warfield or their client can not proved the documentation to prove that the charges and the damage are real I have reason to believe this is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation