BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
RE : AX enticing me to open new accounts with a letter dated XX/XX/XXXX To Whom It May Concern : I am writing regarding a letter I recently received from American Express admitting that they had made a mistake in the past when they closed three of my accounts that I had opened with AX. Now they are saying that an account that I had opened with AX ending in XXXX was closed due to a technical issue. The strange thing is that AX closed my accounts in XXXX and explained why the accounts were being closed. So, I dont know if I believe it, was a technical issue. At this moment I am confused because I dont know if this letter, I received is a real letter or is it a system generated letter that does not mean anything. Or maybe AX is losing some businesses and is trying to lure in old account holders and attract more business. I know that AX got hurt when XXXX years ago Cancelled their membership. So, I dont know if they need new customers now to open new accounts. 
Regardless If AX cancelled my accounts in the past then they should reinstate the account in question since it was their mistake. I dont see myself applying for a new account and come later that it was a bogus letter. According to AX when they closed my accounts, I was told that I could not open anymore accounts with AX in the future. So, what is it that they want now? You made the mistake AX then you fix it and send me a new card. 
So, I need some clarification from AX why they sent this letter now and why is it that until now they are correcting an issue that happened in XXXX. 
Thank you in advance for your understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NV
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 loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all Equifax and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls daily its interrupting my work day. They also already closed my account with them according to my credit report. Company is Discover card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX  XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXXXXXX XXXX, it's just really logistically impossible to indicate that it was late.

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 2023-03-17
Company: EQUIFAX, 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:
The removal of XXXX of the inquiries was taken off from XXXX XXXX XXXX XXXX However, the other XXXX were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, XXXX XXXX I on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2022 searched on XXXX gave a fraudulent website which I believe PayPal provides their customers. Only confirmation was PayPal email which seems official and was valid with my bank when I immediately disputed it because the PayPal customer service phone number is a menu that doesnt allow for any interaction with customers non-delivery of paid product and there was an email which was not PayPal customer service and was fraudulent. I am staying from PayPal because it is the largest scam in the United States and internationally where they fare better since most of their customers take a loss. Not only was there no confirmation that was valid with an ETA of the product and where it was coming from but there is zero communication for months and then two months later I receive a system generated email saying we can not help you with your issue of this charge due to your bank dispute which again was over seven weeks later with zero response from PayPal. This is incredibly dis concerning that a company with PayPals assets and operations is an out and out fraud. I already knew not to use it but this particular item there was no option to use your Credit card only so it went through PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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 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 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 2023-08-16
Company: Experian Information Solutions Inc.
State: GA
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:
At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, XXXX, Experian, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on Experian and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.

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 2023-03-17
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

GOVERN YOURSELF ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Equifax is showing my 3 student loan accounts as in collections. These accounts have been paid in full. The US department of education,XX/XX/XXXX and XX/XX/XXXX have all reported as accounts paid in full. XX/XX/XXXX and XX/XX/XXXX both show as paid in full. The dispute resolutions group of Equifax state that the information provided does not give them the information they need to change my credit account. I have logs from XX/XX/XXXXstating that Equifax has reached out to them and had the XX/XX/XXXX balance verified. Equifax is refusing to resolve this even though all the documentation has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Bread Financial Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a text from bread accusing me of defaulting on the loan, which is setup on autopay and the payment was already deducted from my bank account. 

The text was received at XXXX on XX/XX/2023. The text includes the following : Bread : Please contact Bread at XXXX regarding your defaulted loan for the purchase made at I attempted to contact the company via the provided phone number, but the line says their office is not open and has no hours listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: IL
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose. 

Capital One XX/XX/XXXX Marked Late XX/XX/XXXX Marked Late XX/XX/XXXX Marked Late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: FL
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/XXXX ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 so you are requested to kindly delete below mentioned inquiries or else I will file litigation. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, FLORIDA XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card with Synchrony Bank Credit card ending in XXXX which I opened in XXXX and had a credit limit of {$2500.00}. I have paid on this card monthly and never went over the limit. I also have at times paid more than required. Given the pandemic I did bring this card close to the limit however have not went over the limit and have always paid my payments on time. 
I recently on XX/XX/XXXX made a payment of {$500.00} on this card as an effort to improve my debit to credit ratio which in turn would improve also my credit scoring. 

Well come to find out when my statement for XXXX generated SYNB decided to drop my credit limit to {$2100.00} JUST enough to allow their " interest '' to post to the account but keep my debt / credit ratio on this card near 100 % I am sorry but that is very shady business. They would not have been able to drop my credit limit to {$2100.00} if I had paid the traditional required minimum payment.. Clearly they saw an opportunity to ding me for paying a significant payment on this card. 

I reached out to their customer service on this matter and was told " We can do whatever we want '' I want SYNB to be investigated for being descriptive and playing games with their customers. Clearly if I had NOT paid {$500.00} on this account they could not have dropped the Credit limit by {$390.00} dollars..

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 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

Card number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, AMEX - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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