BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
Back when the pandemic began my XXXX  slowed down and I wasn't able to pay my American Express XXXX XXXX and my XXXX  card was canceled and reported on my personal credit report as a charged off which tanked my credit. At the time I have accumulated over XXXX points with a cash value of over {$4000.00}. The unpaid debt at the time was {$39000.00}. This debt was sent for collection to a third part debt collector XXXX XXXX  XXXX out of North Carolina. I made an agreement that I will make the payment immediately XXXX  resumes since we are in a pandemic. The agreement was that I will payoff the whole debt, my account will be reinstated and I can recover the points that were forfeited when the card was canceled. By XXXX of this year I paid off the whole balance and I was informed that my account will be sent for reinstatement. So far I have made several phone calls and follow ups. No one knows what to do with my account or are telling me that I owe them money on a different account that was opened back in XXXX. 
They are saying I owe them over {$1600.00} on an account that was opened in XXXX. They are saying to reinstate my account I have to settled this account that I have no idea of back in XXXX. Back in XXXX, This same account was resolved with American express. I was not aware of this account at the time and not responsible for any of charges on it. American Express at the time has agreed to remove it from all credit reports and release me of responsibility of the account. It looks like they have not updated their internal records to reflect the release agreement I had with them. This is a violation of the agreement releasing me of responsibility of the account back in XXXX. I am attaching copies of the agreement I had with them back in XXXX. The last 5 digits of the account is XXXX and the reference number to this case is XXXX. In the past, this same case has been used to deny me credit with American Express which I believe is an unfair denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Im trying to dispute this beacuse I already contacted the collection agency and the credit bureau -Experian previously on couple occasions with this letter : XX/XX/2023 To : Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear Experian, I requested a debt validation for account number XXXX, XXXX XXXX XXXX  for amount of {$570.00} This is what I received from debt collector. ( Please see included paperwork ). List of diagnosis codes for medical procedures but NO HIPPA RELASE FORM. Without a copy of signed HIPPA release form how did they have access to my medical records. Clearly with this my HIPPA rights were violated by this collector because of information they sent to me, and this collection needs to be removed. I never signed contract with this debt collector. 
I also called them over the phone and they initiated re investigations on dates : XX/XX/ However their reply was always : Verified!

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had multiple recurring charges that are showing up on my card and have tried to dispute them but was denied. I have closed the account and the credit card company continues to allow the charges to come through every month even though the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: VA
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:
I brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due!

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 2023-05-19
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Said I purchase a car in my name never did

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 2020-02-25
Company: World Acceptance Corporation
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:
There were two accounts that appeared on my XXXX credit report from World Finance Co. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to World Finance Co. to  validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to XXXX  on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from XXXX dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my XXXX  credit file confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: SUNRISE CREDIT SERVICES, INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XX/XX/21 SUNRISE CREDIT SERVICES , INC. has flagged my account as UNPAID Collection account. {$1.00}, XXXX past due as of XXXX XXXX this not my account I never had an account with XXXX/XXXX/XXXX I put in a dispute with 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 2023-05-19
Company: Experian Information Solutions Inc.
State: IL
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:
I have received my consumer report and noticed Experian is furnishing a Bankruptcy from the US BKPT CT IL XXXX, as stated on my consumer file attached herein. I received a correspondence from the IL Bankruptcy Court ( attached herein ), explaining that they in fact do not report any information to the credit bureaus as stated in the letter. 
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
The law states that you may furnish my consumer report as a permissible purpose in accordance with the written instructions of the consumer to whom it relates, and no other. Did you receive any written instructions from my person, XXXX XXXX?, detailing you to report this account reference # XXXX? You are intentionally furnishing this account unscrupulously without any permissible purpose under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Furthermore, 15 U.S. Code 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) - Protection of nonpublic personal information I have a right to privacy ( which you are fringing upon ), while you ( Experian ) has an affirmative & continuing obligation to respect the privacy of its customers as it is the policy of the Congress. It is your obligation to abide by the appropriate standards that relates to administrative, technical, and physical safeguards to the rules : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

You are defaming my character by publicizing my information that I did not consent to your company furnishing, which you accessed this record from the PACER database or through the bankruptcy clerk 's office, which you have no right to do so. Since you did not disclose to me that I have the right to opt out of you furnishing my information under 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information, I hereby exercise my rights to privacy and demand you to delete this account off of my file as you are causing me substantial economic hardships to my person, 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 2023-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 USC 1681 section 602A. It states that I have a right to privacy.

15 USC 1681 section 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card under an open end consumer credit plan late for any purpose.

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 2021-08-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2021 - I paid off my entire balance on this account and verified that I had a {$0.00} balance. 

XXXX XX/XX/2021 - I received an alert from a credit monitoring service that I had a late payment reported to my account. When I checked, it was my XXXX XXXX XXXX  account. I did not charge any amount to the card and did not have it linked to any auto draft since I brought the account to a {$0.00} balance. Furthermore, I had not received a bill or invoice from the card issuer showing that I owed a balance. When I looked at the account, I was being charged an " annual fee '' every month since XXXX. Every month the " annual fee '' was not paid, a late fee was incurred and ultimately I owed XXXX XXXX XXXX  {$110.00} and was reported 30+ days late to all three credit bureaus. Also, if you look at XXXX XXXX XXXX  's account history on the credit reports, every month since XX/XX/2021, XXXX XXXX reported a {$0.00} balance owed until XX/XX/2021. 

XXXX 2021 - I contacted XXXX XXXX XXXX, explained that I did not receive a bill, asked why I was being charged an annual fee every month, and asked that the incorrect information be changed on my credit reports, and I closed the account. The Rep from XXXX XXXX XXXX  agreed with my complaint, corrected my balance to {$0.00}, closed the account, and sent me a letter agreeing to remove the late payment from my reports. 

XX/XX/2021 - Another late payment from XXXX XXXX XXXX  was reported to the bureaus, this time saying that I was 30+ days late with a {$57.00} past due amount. 

XX/XX/2021 - I called XXXX XXXX XXXX  and the Rep said that according to her records the account was closed Since XXXX and I currently showed a {$0.00} balance on the account. 

XX/XX/2021 - I submitted a dispute to Equifax disputing the XXXX and XXXX late payments as well as the incorrect balance. I also uploaded a copy of the letter from XXXX XXXX XXXX  reflecting that they would correct the reports. 

XX/XX/2021 - I received an email from Equifax with my dispute results showing that they " verified '' the accuracy of the information and that it would remain on my report. 

Now I don't know what do to. I have the bank telling me that the account is verified closed, it wasn't late in XXXX or XXXX, and that I don't currently have a balance. But Equifax will not remove/correct the information in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
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:
Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CFPB In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX  XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # 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 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 Any 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.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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 just reviewed a copy of my Experian credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.

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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Bank of America recently denied me a business credit card even though I around XXXX in business a month since last year and have XXXX in my business account. Im waiting on their letter. Im sure they will try to blame the denial on a bankruptcy that was dismissed over XXXX years ago. 

My scores on all agencies has risen. On XXXX it fluctuates around XXXX the other XXXX around XXXX. Nothing outstanding in a negative way and I paid off my student loans in full months ago. The credit reports show the accounts as paid off. 

I only have XXXX credit card with {$1000.00} limit which Ive been paying off for months since I us it for my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NV
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:
Dear XXXXThis is response to complaint- XXXX, sent by you on XXXX XXXX. 

I have sent you, My Id, my Identity theft report and a letter stating my cliam. 

Ireferyou to 15 U.S.CODE 1681-C-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. 

A. Except or otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an aleged identity theft, no later than 4 business days after the date of receipt by such agency.

1. appropriate proof of the identity of the consumer. ( attached is my drivers license front and back in PDF ) 2, A copy of identity theft report.

3. The identification of such information by the consumer 4. A statement by the consumer that the information is not information relating to any transaction by the consumer. 

( C ) AUTHORITY TO DECLINE OR RESCIND. 

( 1 ) IN GENERAL.

a consumer reporting agency may decline to block, or may recind any block, of information relating to a consumer under the section, if the consumer reporting agency REASONABLY DETERMINES THAT- ( A ) the information was blocked in error or a block was requested by THE CONSUMER in error. ( I have stated it in my letter. ) ( B ) the information was blocked in error or a block was requested by the consumer on the basis of a material misrepresentation of fact by the consumer relevant to the request to block : or ( it was not in error as stated in my letter. 
( C ) the consumer obtained possession of goods, services or any money as a result of the blocked information. ( I have not ) These are the federal consumer laws. Everything else you requested else you requested in your email dated XXXX, XXXX XXXX is not relevant. 

Your company policy is not above the law, therefore you must block and delete the mentioned accounts or you will be in default. 

Regards,

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