BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX  on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with AMERICAN EXPRESS to validate the account reporting is accurate and confirmation there is a legal obligation to this company AMERICAN EXPRESS. I complaint was also filed against AMERICAN EXPRESS by the XXXX XXXX XXXX Complaint # XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 
This particular complaint is because AMERICAN EXPRESS has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, AMERICAN EXPRESS continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that AMERICAN EXPRESS is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue AMERICAN EXPRESS for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that AMERICAN EXPRESS is still reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting which under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH 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 2021-06-26
Company: AR Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert with XXXX through my credit monitoring that AR Resources had filed a credit alert against me. I have never heard of AR Resources, have had no prior communication with them and have no idea what this complaint is in reference to. I tried to call the XXXX number but was on hold for XXXX minutes with no customer service. It says to press zero to leave a message but that just ends the call. 

What happened? 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2021. 
Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$69.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday, even on Sundays! They call every 45 mins to an hour. I know I need to make a payment. I have a pending WC claim from being injured at work. As soon as I have money I WILL pay them what I owe. Please help stop this! I cant take it anymore. Over 8 calls a day!!

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 2022-03-16
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I issued a cashiers check on XX/XX/XXXX, and I couldnt find it. I went back to the same branch to stop and redeposit the amount back to my account. The check clearly shows no being present, and money still held within Citibank. 
The branch told me the investigation will takes 90 days and it clearly beyond ridiculous on the time frame.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 dispute via certified mail to TransUnion on XX/XX/2021 which was received by them on XX/XX/2021. I have yet to receive any updates on my dispute and furthermore have been checking my report periodically and none of the items disputed are even in dispute status on my report. It has been almost 2 months and this is the second time I have complained about disputes to TransUnion not being completed. Last time I made a complaint of the same issue and they responded that they would then enter the disputed information which a couple months had already passed since they received it then. Unacceptable and against the law. I will include the attachment of the letter that was sent as well as the tracking information which details it was indeed received by the company.

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 2022-11-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid 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:
Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX XXXX and now I am on a set income from the government and deem totally disable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Rausch Sturm LLP
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX was contacted by XXXX XXXX finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXX of XXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( rausch and Strum ) I was told that all the agents available had no information on the debt only that it was representing XXXX and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over 6 years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: AZ
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 accordance with Fair Credit Reporting Act Everything has to be 100 % accurate in my credit report The credit bureaus stated that my account was properly investigated but how is this possible when there are unauthorized hard inquiries, data sets related to inputting of accounts were not metro 2 compliant, data listed is mismatched compared to other credits and my request for account verification was dismissed. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 ( a ) requires accuracy and fairness of credit reporting. 15 U.S.C 1681b section 604 ( a ) ( 2 ) permissible purposes of consumer report - In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681g section 609 ( a ) ( 1 ) Disclosures to consumers - Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. The credit bureaus also took more than 30 days to complete my investigation

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 2022-11-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I zeroed my checking and savings accounts before I called PNC to close them. Instead of closing the accounts, they changed the product to a different checking and savings account which I can see in my online account. I have contacted PNC twice since the last week, but my accounts are still open to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: ERC
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:
I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Carvana is using consumers desperation to force them into paying high down payments. Any down payment is a violation of the truth in lending act 15 USC 1605a & 15 USC 1662. Pursuant to 15 USC 1602 of the truth in lending act, a consumer can regularly extend credit, since I refuse to violate consumer law my extension of credit is being denied which is a violation of the Equal Credit Opportunity Act 15 USC 1691. Violations of truth in lending carry both civil penalties and criminal charges, I have every intention of filing similar complaints with the state and the federal attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
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:
three inaccurate and fraud accounts have bee reporting under my equifax credit reports, these i have been disputing them for the longest times, XXXX XXXX i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my equifax credit reports only., than k you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 implore you to devote the necessary time and attention to expunge the late dates and negative remarks from my credit report. In the current economic climate, I can not afford the repercussions of inaccurate information negatively affecting my credit score. I anticipate the receipt of an updated copy of my credit report that reflects these vital changes within a period of thirty ( 30 ) days. XXXX XXXX XXXX XXXX - I have consistently made timely payments and have never been delinquent. I insist that the late payment notations be promptly corrected to accurately reflect my payment history. I demand the removal of the late dates and a status update to " paid/never late. '' Please note that I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-03-28
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX 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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They permanently suspend my account for no reason they said that I violated section 22 d of the consumer agreement and that is not true XXXX XXXX refunded my money because I had the wrong product and yet they are suspended me over a product really and yet Im am XXXX XXXX XXXX and yet they are saying that Im unauthorized how there them make a false claims on me to make trouble for me how there they make these kind of claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Charge-off {$710.00} XXXX  XXXX Repossessions {$17000.00}

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 non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: KY
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:
A month ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete these items immediately : 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 public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation