BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: CITIBANK, N.A.
State: MI
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:
Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
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: Their investigation did not fix an error on your report

Complaint:
OTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted 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 2023-11-28
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : 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 2021-08-10
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to request a credit card through American Express as a natural born living consumer. American Express only had one option as far as a form to fill out to request the credit card. They had an application for a credit card that involved me being forced to click a consent button in order to try to receive a credit card through American Express. The consent button that American Express forces their consumers to click, forces the consumer to give American Express to look at non public information of the consumer. Also pursuant to 15 usc 13, a corporation is not to deny or deprive consumers of like commodities or services. Therefore, American Express is discriminating against me as a consumer. If American Express approves certain consumers due to a decision based from nonpublic information then they should lawfully approve every consumer. Im in fact a consumer, a natural living person, and not a citizen. Im in a sovereign XXXX XXXX XXXX. Not only are my consumer rights being violated but my religious beliefs are as well. My consumer rights and my religious beliefs both state that I am in fact the Original Creditor of any and all consumer credit transactions. The constitution also states in Article 1, Section 10, clause 1, that there is NO LAWFUL money in circulation. There is only credit due to lawful money ( gold ) being confiscated by the US corporation. So American Express is denying me credit thats due to me. If there is no lawful money then i cant pay on a debt. Pursuant to 18 usc 8, all debts are obligations of the United States. I also have 2 recorded phone calls that are too big to be attachments on this site but i do have handy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened my store under XXXX and had PayPal as a form of payment on Friday. After completing 5 sales, they decided to permanently restrict my account without any notice or how it violates their user agreement. 

I called customer service twice. The first person I spoke to said he could help lift the restriction if I sent my photo ID to the company which I did. Afterward, I received a message from PayPal saying the permanent restriction is final. 

I decided to give another call to customer support and when I explained to her I had 5 sales for selling stickers and keychains, she told me nothing can be done about the restriction and I can no longer use their platform. I can't even make a new account or transfers the remaining funds to my bank account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is a business loan. I was told to make a payment of {$720.00} which will bring the account back to current otherwise itll be reported to my personal credit. I made the payment and they still reported it on XXXX. Why did they collect the money when they knew theyll report it. Kindly ask them to listen to the recorded conversation as regards it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am being callex 5 to 6 times a day 7 day a week by XXXX credit card ( indigo and milestone cards. I was injured at work and missed a couple of payment because i was off and they have doubled my balances w fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX 'S XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$88.00} XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022.

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 2023-08-03
Company: EQUIFAX, 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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$14000.00} To Whom it May Concern, Navients attempt to validate your claim is vague and insufficient and the documentation that has was submitted is vague and lacking competence. 

Wet ink copies of statements or application bearing my signature were NOT provided. 

Proof of a contractual agreement with bearing my signature was NOT provided. 

Navients computer screen print outs submitted are vague, lack competence and are therefore unacceptable. 

Navients attempt to validate this claim is therefore unsatisfactory. 

Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of XXXX in their question to damage my credit standing. XXXX retaliatory tactics for filing a complaint against XXXX  with the North Carolina Office of Financial Regulation. 
Furthermore, due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you. 

I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth. 



Sincerely, XXXX XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: DISCOVER BANK
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Discover regarding the recent closure of my credit card account ending at XXXX. I am deeply concerned about the unfair and inaccurate actions taken by Discover, which have not only caused unnecessary stress but also put my credit score and financial stability at risk. 

I have been a loyal customer of Discover for XXXX years and have consistently maintained a strong payment history with them. However, On XX/XX/2023, I encountered an unexpected issue when attempting to use my Discover credit card through XXXX XXXX. To my surprise, the card was not functioning on the platform. This prompted me to contact Discover 's customer service to seek clarification regarding the matter. During the conversation, I was informed that my credit card account had been closed due to miss payments for the last two months. I immediately contacted Discover 's customer service to address this issue and clarify the situation. 

Upon speaking with their customer service representatives, I was informed that the payments were returned due to insufficient funds in my bank account. This information contradicted the reality of my financial situation, as the payments were indeed deducted from my account on the specified due dates. To further validate this, Discover reached out to XXXX XXXX, the financial institution from which the payments were made, and confirmed that the payments had been received and processed promptly. 

I firmly believe that the closure of my credit card account was unjustified and based on incorrect information. I have diligently upheld my financial responsibilities and made consistent payments on time. It is disheartening to see my efforts to maintain a positive credit history undermined by this incident. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. I am seeking the reopening of my Discover credit card account, as well as a correction of any negative impact on my credit score resulting from this unjust account closure. It is my hope that this complaint will help shed light on the questionable practices and decision-making of Discover, and prevent other consumers from facing similar issues in the future. 

I have attached supporting documents, including bank statements showing the timely payments made and correspondence with Discover 's customer service representatives. I am more than willing to cooperate fully with any further inquiries or information required to resolve this matter. 

Thank you for your attention to this serious issue. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and fair business practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Certegy Holdings, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XX/XX/21 2 Money Orders - XXXX purchased at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/21 Refused to cash the very same money orders - XXXX that were purchased with cash there 3 days earlier citing CERTEGY DECLINED but that CERTEGY did not make the decision for declination! 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX Furthermore, THERE IS ABSOLUTELY ZERO HELP to be found when calling the number on the " disbursement receipt '' with the declined transaction ZERO! No possibility of talking to a human that I can find in any way. I have searched the internet and called every possible number found with ZERO help. 3 of the numbers I found are for the 3 credit reporting companies! I HAVE EXCELLENT CREDIT and feel they have jeopardized my safety! 
This is rent money owed to me that is a one time thing to get it through money order. 

XXXX has the CASH paid for the money orders, {$1300.00}, but will not give it to the PAYEE, ( ME ) even with proper identification. This is absolutely insane especially considering these were purchased RIGHT AT THE SAME DESK that DECLINED TO CASH THEM! 

I AM ALSO VERY UNCOMFORTABLE that they REQUIRED ME TO ENTER MY SSN in the automated machine for this! 
WHY do they need my SSN? I knew better than to put that in but she said they wouldn't cash it if I didn't so I put in my SSN. 
Now I am very concerned of what this SCAM and FRAUD company will do with my information. I completely expect to see some bad hacking or something else negative on my credit report shortly because of this INSECURE CERTEGY COMPANY and PROCESS! 
I FEEL VULNERABLE AND VIOLATED and that my excellent credit are at a huge risk now because of CERTEGY AND XXXX because of trying to cash a MONEY ORDER at XXXX in XXXX, Texas! HORRIBLE and INSECURE FEELING!

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 2023-08-29
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, This is actually a huge complaint. XXXXXXXX XXXX  XXXX XXXX card from start to finish has been a horrible practice/experience. The representative didn't use my address, so my card got sent to the wrong place. When I tried to call to get that corrected, they wanted me to verify information, which I did ( lived here, etc ) then they said they needed mail/pay statements/etc to fix the error that their representative made. The store couldn't help me prior to that, so I didn't understand why it was so complicated. 

I finally escalated and got them to cancel and then they could magically change the address without the further intrusion on excessive needs of my privacy details. 

I mailed a check on XX/XX/16 and my bank verifies they received it on the XXXX. They haven't cashed it but I did send it. 

I informed them this on one of their calls that was excessive. 

They call sometimes every 45 minutes. Use like 10 phone numbers. I mailed in my payment and they have been harassing me. I work overnight, so I don't sleep right, so it's hurting my work. 

I call today, upset bc I missed 4 calls by XXXX XXXX. The representative yells at me for being upset and calls me names. Threatens to not help me but transfers me to a representative that does help me enough to submit a claim to see if they can take my payment. 

I XXXX percent trust them to pay on their system. 

I want to get a lawyer and sue but also don't want the complications. I am very tempted at this point and am resisting the urge. I wanted to at the least, file a complaint, because that was unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: IN
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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