BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as 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 alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( XXXX ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.

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 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a loyal American Express ( Amex ) customer for the past 12 years. Amex prides itself on customer service ; however, after my most recent experience, I beg to differ. I was offered a one-time {$120.00} credit by using my enrolled eligible credit card to spend {$600.00} on XXXX or more purchases in-store at XXXX or online at us.burberry.com by XX/XX/2023. Therefore, I went to a XXXX store at the XXXX XXXX XXXX in New Jersey and purchased a scarf for {$620.00}. Typically, after I make an eligible purchase, I receive a notification that says thank you and confirms that I will receive a statement credit. This time I didnt receive anything, so I decided to call customer service to find out if I would receive {$120.00}. I spoke to XXXX and asked why I didnt receive an email, and she advised that my purchase was not eligible as I did not purchase it from a participating store. I asked her several times for a list of participating retailers, but she couldn't provide it. How would I have known that a XXXX store in the mall wouldnt be eligible for the credit? I wouldnt have purchased the scarf if I knew I wasnt getting money back for the purchase. Then I asked to speak to a supervisor, and she transferred me to XXXX. She told me I bought the scarf from an authorized retailer and needed to purchase it from a corporate store. I told her it was a corporate store and even called the store while she was on the phone to confirm. I asked for the list of participating stores, and she said she didnt have XXXX. She said there was nothing she could do for me. 

That said, I want everyone to know that Amex doesnt treat its customers like family and could care less if they lost you as a client. Amex doesnt honor their offers ; they make it very difficult to receive the statement credit. This is not the first time this has happened to me. I wouldnt recommend American Express to my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I SPOKE XXXX ON XXXX AND SHE INSISTED THAT I NEVER SENT MY ID OR OTHER VERIFICATION. I ATTACHED ALL THAT INFORMATION HERE AND ACCORDING TO THE LAW AS WELL AS HER THOSE ACCOUNTS WILL BE DELETED IN 4 DAYS AND XXXX AND XXXX XXXX XXXX REVERT TO NEVER LATE PAID CURRENT.Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. Equifax has deleted and fraudulent without warning reinserted the following deletion is admission violating the 15 USC 1681c-1 pursuant to a direct request with supporting documentation FTC Police report evidence of fraud and are willingly violating 15USC1681c-1 and I am seeking damages for defamation and lost of creditability. XXXX, XXXX XXXX, XXXX XXXX  all have been reinserted and should be permanently removed. XXXX XXXX  XXXX confirmation of forbearance past XXXX where sent certified and confirmed receipt however pursuant to 15 USC 1681 ( d ) investigative report the profound evidence provided was unnoticed and deceptively never updated evoking Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
XXXXCOMENITY ZALESXXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2021-09-27
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus.The account was previously removed from my file because they could not validate that this debt was mine, however to continue to randomly add to my file at their convenience with blatant disregard for the Fair Credit reporting act. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then now it says XXXX. Phoenix Financial Services has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter.They have blatant disregard for my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Synerprise Consulting Services, 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: Personal information incorrect

Complaint:
To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage increased my payment by {$500.00} a month. I received a late notice in XXXX. To cover for this difference, I sent {$1000.00} to cover for both XXXX and XXXX. My mortgage payment is on auto-pay and so the XXXX payment would be short as well. 
Freedom Mortgage received the XXXX payment and as-lied a portion to the XXXX deficit, then applied the balance to principal. They did not apply the {$1000.00} payment but held the funds for 18 days. They then assessed a late charge to my account for XXXX. Freedom Mortgage has receipt of the full payment, yet did not apply it to my account, further they charged a late fee.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All collection accounts listed above should be deleted immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiries on my TransUnion Credit Report. I have sent two certified letters dated XX/XX/2021 and XX/XX/2021 to TransUnion asking them to remove the unauthorized accounts with no response.

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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX, they have deducted money out of my account in the months of XXXX, XXXX and XXXX when I had cancelled the health Policy that I had with them ( XXXX ). I reached out to stop the transactions and asked for a refund but they promised they will but it never happens. They will ignore you and keep your money, at least that's how it feels. I gave them my account number and routing number for recurring payments and they did it in a form of a virtual check where they bank can not put a hold on incoming payments. I feel that I am probably not the only one that has been having this type of issues with such LLC.

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 2022-05-03
Company: EQUIFAX, INC.
State: SC
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 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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Im filing this complaint against Jacob Law Group , PLLC for failure to adhere to FDCPA guidelines. Jacob Law Group , PLLC fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from Jacob Law Group , PLLC. In accordance with sos.ms.gov ; Jacob Law Group , PLLC is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. Jacob Law Group , PLLC has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which Jacob Law Group fell to provide all requested documentation. XXXX XXXX knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to Jacob Law Group , PLLC. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. 
I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. Jacob Law Group only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. 
Jacob Law Group , PLLC, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( MCA 15-1-29 & MCA 15-1-31 ), forfeiting the rights of collection. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this alleged debt reported to XXXX No one has ever contacted me about it. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX # 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 2022-12-29
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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