BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: NY
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 obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or XXXX through Bankruptcy, which is incorrect. XXXX  XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.

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 2021-07-30
Company: MoneyLion Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
Back on XX/XX/ i did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XXXX XXXX XXXX XXXX XXXX XXXX XXXX its showing that im late on my payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
After setting up a new account with XXXX XXXX, I attempted to connect it for external transfers to my account with Ally Bank as well as two other banking institutions. This should be an easy, straightforward process and for the two other banks it was. However, Ally Bank has instead stolen from me and is holding the funds taken without authorization hostage because they are unwilling to see reason. Facts : 1 ) Ally Bank, with authorization, initiated trial deposits at my account with XXXX XXXX. However, Ally only credited the account ( leaving a negative balance and hence removing monies without authorization ) without debiting them back in. They recorded this as failed, despite the objective reality the funds are missing. 

2 ) Ally Bank has also indicated they are unable to link the XXXX XXXX   savings account, which indicates they did receive successful confirmation of the connection vis a vis they knew the checking ( info previously provided ) and savings ( info had not been provided ) were connected. 

Ally Bank is adamant that I obtain some form letter per XXXX XXXX   validating information I already gave them from online printouts : that I have the right account information and that transfers are possible. XXXX XXXX  said I would need to get this from an in branch banker, which during COVID-19 would be a risk to my and my XXXX  child 's safety. It is abhorrent and disgusting that Ally Bank wants me to endanger a baby because they can not get past sending form letters to realize that I've provided multiple times over the information they seek in electronic format, all just to try and get them to try trial deposits once more. Out of the dozen or so banks we work with, this has been BY FAR the worst and most disturbing experience in my lifetime.

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 2022-10-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I upgraded my American Express Delta Platinum card to a Delta Reserve card due to a limited time offer advertised for XXXX bonus miles when you spend {$5000.00} in the first 3 months on the new card. I upgraded due to this offer as I did not think it was worth upgrading to a card with a {$550.00} annual fee without the extra miles offer. 

Upon reaching the {$5000.00} threshold, I was not given the XXXX miles, but instead XXXX on XX/XX/XXXX. I reached out to Amex customer support through their online chat and the rep submitted a ticket. I provided a screenshot showing the screen on their website showing the page where the limited time offer was available ( the same page where you select your new card design ). 

After lack of follow up on my case I reached out multiple times, and a chat rep eventually told me that the welcome offer was declined as there was no such offer running for card upgrades, only new applications. The rep opened a second case, as apparently the screenshot was never attached originally and said I would receive follow up on this issue. 

After reaching out to chat and eventually XXXX support, I was told that after months of attempting to resolve this, I would not be receiving my XXXX offer as they could not confirm it was solicited to me even though I provided screenshots of their own website. The reps provided no additional support after this. 

After speaking with a XXXX rep from XX/XX/XXXX through XX/XX/XXXX, providing a screenshot that includes website and timestamp data on both my ticket on the website and directly through XXXX, American Express did not honor the limited time offer despite the evidence given to them and my attempts to work with them over the course of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I was shopping on the XXXX website, and I was offered the XXXX credit card. I was given a prequalification option only. However, after introducing only some of my data as only the last 4 numbers of my social, a hard inquiry was made on my equifax report. I did not authorize this consultation, and this is damaging my credit history. The advertisement said it was just a pre-qualification with no impact on the credit history. I would like to ask that the hard inquiry be excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS COLLECTIONS LLC. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I would like to begin by stating that I absolutely love my AMEX Gold Delta Skymiles account. However, I feel that the interest charge on my account was a usury violation. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$15000.00}. I paid {$10000.00} towards that balance, knowing that I would incur an interest charge on the balance. When the interest posted, the amount seemed high for the balance which was left unpaid. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$10000.00} of which {$5200.00} was the remaining balance from the previous statement. On XX/XX/2020 I paid the entire statement balance. Yet on XX/XX/2020 I was charged {$130.00} additional interest. 

On XX/XX/2020 I called and spoke to XXXX ( ID # XXXX ) from the XXXX XXXX call center. He informed me that I was charged interest based on the TOTAL amount of the bill, regardless of how much I had paid towards the balance. He stated that regardless of the fact that I had paid $ XXXX towards the XXXX billing, on XX/XX/2020 I was charged interest of {$170.00} based on the TOTAL amount of the statement balance ( {$15000.00} ), not the ACTUAL balance remaining unpaid ( {$5200.00} ). The interest was for the period of XX/XX/2020 to XX/XX/2020. He further stated that even though I had paid off the entire balance of the XXXX bill by XX/XX/2020, I was still charged interest of {$130.00} on XX/XX/2020 based the entire statement balance ( {$10000.00} ) instead of the outstanding balance ( {$0.00} ).  The interest charged was for the period of XX/XX/2020 to XX/XX/2020. 

I told him that I can understand and agree that Amex is entitled to charge me interest on the UNPAID balance of {$5200.00} from the XXXX statement, but that I believed that charging me interest on amounts which were already paid is a usury violation and that I would need to report it to the FTC. 

I asked XXXX to please put in a dispute for the interest so that someone could review it to verify if what he had told me was correct. He refused and stated that they are not allowed to put in a dispute for interest charges. 

As I stated above, I am fully aware that I owed interest to AMEX for the {$5200.00} which was unpaid. However, I feel that overcharging, just because they believe no one will catch on or report it, constitutes unfair usury practices. 

By my calculations, based on AMEX 's interest rate of 22.74 % APR, the interest owed on the outstanding unpaid balance of {$5200.00} for the 48 days is only {$150.00} TOTAL. I calculated it as follows : 22.74 % APR translates to 0.062301369863 % per day. 
Time frame of XX/XX/2020 to XX/XX/2020 is 48 days. 
Outstanding balance remaining unpaid as of XX/XX/2020 {$5200.00}. 

{$5200.00} X 0.062301369863 % X 48 days = {$150.00} In total I was charged {$310.00} and am owed a refund of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I reported a fraudulent charge on my debit card on XX/XX/XXXX and its XX/XX/XXXX and my bank is telling me they need more time to investigate the charge but are refusing to give me a credit or even acknowledge that I submitted the dispute on XX/XX/XXXX, even though I provided them with proof of correspondence with the support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft!! I have file multiple Affidavit with FTC. I've contacted all three credit bureaus in reference to this! I've sent written documentation file disputes submitted proof! OVER 30 DAYS AGO! the accounts are unauthorized remove off of my credit report immediately or I will file a lawsuit!!

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX and trans union has reported inaccurate information on credit report which are charged off. That is personal income and should not be reporting. XXXX has a balance of XXXX balance and Trans union XXXX balance. This is inaccurate information on my credit report. Also personal income, which should not be reported.

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 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates wrote me many years ago about a debt from XXXX  XXXX. The first time I verified they sent a bill. So I made arrangements to pay because I didn't know my rights at the time and I wanted it to be removed. I reneged on paying them because i thought do I really owe this debt? After years its still lingering on my report and now i did a little more research on how I have the right to validate the debt that they say I owe and the amount. I wrote them on XX/XX/2020 certified mail, requesting to validate the debt, its reporting on my report for {$1300.00}. Which the first letter I sent out XX/XX/2020 requested that. I notice that i received an email from XXXX that PRA flagged my account and on XXXX XXXX it showed that the account was removed from XXXX and XXXX. I called the bureaus XX/XX/2020 to confirm they said its still on my report. I called PRA XX/XX/2020 at XXXX XXXX I spoke Ms. XXXX XXXX she ask for my last four digits of my social to verify info, she said that they received my certified mail requesting validation and they sent out everything I requested. I recorded her, she told me that I owe XXXX, but on my report its reporting {$1300.00}. She was asking me, " how would you like to take care of this today ''? I told her I still didn't receive validation to make any arrangements. When i check the mail the next day I received a letter that said I can validate. They send me back correspondence dated XX/XX/2020 stating that they receive my correspondence and I have the right to write them and request substantiation.. Then I sent them another letter again on XX/XX/2020 to validate because at the time I did not receive what I asked for. A few days ago I received a letter from PRA with verification of a bill and their own summary. They didn't send me anything that I asked for. This is not validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a collection that was removed and my credit score should have gone up but it dropped by 50 pts instead. I have and excellent payment history and it should have increased significantly. I believe that Transuinion is purposely keeping my credit score down to keep me from obtaining credit that I should have access to

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 2022-03-17
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received any letters from the debt collections company, I have only seen it pop up on my credit report. I have called the Paragon from the number listed on XXXX and requested a debt validation on XX/XX/2022 and never received it. I called again today ( XX/XX/2022 ) and while they claim to have sent it XX/XX/2022 I still have not received anything. I called the provider ( XXXX XXXX ) and they confirmed all of my accounts are current with none being in collections. The amount also does not match any of my billed amounts over the past 3 years. This is highly damaging to my credit and reputation as I have taken a hit to my credit of over XXXX points due to this. I have done everything in my power to get this resolved with no help or cooperation from the debt collection company.

Company response to consumer: Closed with explanation