BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Over the weekend, I received a text stating the following : AMEX ACCT STATUS - Free Msg : XXXX, did you get our email? Explore payment plans in your inbox or at XXXX Text STOP to unsubscribe. 

I texted STOP and this is what I received : m Amex Free Credit Msg : You will no longer receive Account Alerts text messages. You may still receive free Fraud alerts. Please call XXXX for Help I tried texting the New Owner of phone number no XXXX here -- no response. 

I have had this phone number for over 2 years and can not understand how American Express can send out with the account holders name, and indication that their account payment status is Late!

Isn't this an invasion of privacy, especially for a phone number that has not been verified in over 2 years! Furthermore, calling that number, American Express confirmed that the account was delinquent, yet stated that the number may be outdated. 

My concern, had that been my account, why are they giving the NAME and ACCOUNT STATUS VIA TEXT WITHOUT CONFIRMATION ON A PHONE NUMBER ( Confirmation within 6 mos. ).

Furthermore, there is no option to state, other than calling, wasting my time, money, etc. to opt completely out, as there is the threat of still receiving fraud alerts. 

I asked for ID 's of agents and was refused, I was hung up by agents saying I am not an account holder, I asked for confirmation ( in writing ) that I would not be bothered by this company with fraud alerts and was refused. 

The company thinks it's GOD and has a GOD-LIKE complex they should be fined and policies changed to get to upper management!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank of America has closed my account over {$10.00} I received via XXXX from the person I know. Receipment day was XX/XX/2023 XXXXXXXX XXXX When I contacted to this person ( owner of XXXX XXXX ) he said he was traveling in XXXX and his phone got stolen. The people who stole his phone they hacked his bank account and took his money out via XXXX to themselves and at the same time to cover themselves they sent out XXXX $ transactions to people on his XXXX list XXXX Bank of America deducted that {$10.00} from my account and closed my account at the same time they left fraud alert on my report now Im not able to get an account with any other bank in the community,

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 monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I contacted transunion on XXXX and informed them there was an account ( XXXX ) that does not belong to me on my report. It is affecting my personal life and needs to be removed asap. An operator by the name of XXXX who gave me a an ID number of XXXX told me it would be removed within XXXX hours. As a today XX/XX/23 it has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EQUIFAX, INC through the CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : 1.Settlement Offer 2.Civil Cover Sheet ( dated XX/XX/2023 ) 3.CAF via IRS, Power of Attorney, Fee Schedule 4.CFPB case numbers, EQUIFAX, INC consumer report date and confirmation numbers 5.Bill of Particulars 6, Passport Card ( Identification )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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 sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Included in Bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: Colony Brands, Inc.
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: Account information incorrect

Complaint:
XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I have an issue with Comenity Bank/Bread Financial who is the issuer of my XXXX Credit Card . I had forgotten that I pre-authorized a payment to my account last week, so I did not have the funds available in my account to cover it. 
Over the last 6 days they have called me XXXX times. I have also received XXXX other calls within that time period labeled with No Called ID. Obviously I can not prove that those calls were from them, but they did start on the same day and I had XXXX calls labeled No Called ID in the XXXX weeks prior to this. 
It is my understanding that the are not allowed to call me more then 7 times with a 7 day period. This is clearly way beyond that. 
I do also understand that my bill is due and that I owe them money. I am on a fixed income with payments at the beginning of each month. It was my fault that I didnt have the funds available as promised, but I think that this level of harassment is unnecessary and cruel for a company to do to a customer over {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Personal information incorrect

Complaint:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems is attempting to collect on a debt not owed by me. They did not validate or verify this debt as belonging to me nor were they given permission by me to access my personal information. When I spoke with them they verified my current address in which I did not give them and stated that it was given to them by XXXX XXXX XXXX. This reporting of this alleged account has caused me a great deal of stress and I want it deleted immediately because not only do I not owe it. 
This is a CLEAR VIOLATION of the PRIVACY ACT since no written consent was ever granted. 
15 USC 1681 ( b ) -No consent was given by me to IC Systems so reporting this alleged account violates my right to privacy, no consent was given by me for IC system to access any of my personal information and 15 USC 1692 ( g ) - IC systems failed to properly validate this alleged debt before placing on my credit 15 USC 1692 ( i ) -IC systems has no jurisdiction to collect on this alleged debt 15 USC 1692 ( k ) -IC Systems has a civil liability that equates to {$1000.00} per violation. If not deleted I will seek damages per violation as it relates to civil liability in addition to lawyer fees.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is

not correct.I informed them that the public records information should be removed due the laws below. 15USC 1681b ( 2 ) 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. I did not give written instructions to any of these bureaus to obtain this information. Also, 15USC1681 ( q ) states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers. 18USC1028a ( 1 ) states that ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly t
ransfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX XXXX  : {$0.00} Exempt Amount : {$0.00}

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 2022-12-27
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

My rights have been violated several times.

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

According to 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 explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX continuously contact XXXX XXXX  multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXXXXXX XXXX XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.I XXXX XXXX again contacted XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXXXXXX XXXX sent my concerns to the fraudulent team. I am still waiting!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
i was told my investigation was not done until my Id was verified i sent it in but the send my complaint back verified, then send a letter saying my information was deleted from my file and to reach out to other agencies CFPB 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 2019-11-13
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT,  CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Acount name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX as well as the following inquires XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX Code XXXX Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 
added FEDERAL TRADE COMMISSION identity theft report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, I logged into my Synchrony Bank Home credit card account. I opened this card to finance new beds, and at the time I had excellent credit. I received a promotional offer, wherein I do not have to pay interest if paid within 5 years. I have made the last 12 payments on time, and above the minimum required, in order to pay it off within the promotional time frame. My issue is that when logging in today, I notice that for the SECOND time in less than 12 months, the bank has reduced my available credit limit. Normally, I wouldn't care, because this card is specific to one store, and I won't be using it again once I pay it off. My complaint is that while I'm paying it off according to the terms, they are reducing the credit limit, which hurts my credit score. I have been financially impacted by COVID-19, so my overall credit has taken a hit along with millions of others. Why do they think it's ok to reduce my credit limit, when I have not demonstrated negative behavior with their credit line? I understood the first time they did this. They sent a letter to notify me, and I wasn't pleased, but I understood that my overall credit health can have a negative affect on current open credit lines. Now a few months later they are doing it again. I get no benefit from paying this off if they constantly shift the available credit line, since it makes it look like I've maxed out this line of credit. I'm in a lose lose situation, and it isn't right that this is allowed. The company said that there is nothing they can do, and will continue to assess my credit account every 3-6 months and reduce my limit as they see fit. These actions contribute to holding me back from building my credit back up from a set back in the first place. After my call in to them, they made it clear that the only thing they look at is my credit score, not my history of on time or early payments with them. Even though I have a perfect history with THEM, I'm being penalized for other areas out of my control, after the fact and without much notice. This last credit decrease occurred on XX/XX/2021, the same day they say they mailed out the notice. I still have not received any notice of credit limit decrease, I just happened to log in to my account and see it.

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