BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurate and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. There was definitely an error. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
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 2022-06-14
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

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

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name 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 2021-03-18
Company: JPMORGAN CHASE & CO.
State: NV
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:
I applied for a mortgage refinance back in XXXX of XXXX. I authorized them to pull my credit at that time. 5 months into the process, the refinance is still not completed to no fault of my own and JP Morgan Chase bank decided to pull my report again in XXXX of XXXX. I did NOT authorize this second hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: AMERICAN EXPRESS COMPANY
State: CA
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 purchased an airline ticket from AmEx travel. I changed my ticket with XXXX ( not American ) because AmEx travel online had very long hold times, and XXXX travel told me they can't help with an online ticket. American told me to call XXXX, and so I did. My ticket was initially an American ticket for travel on XXXX. Any cancellation would result in credit with American. XXXX never informed me their change would completely change the rules of my ticket going forward. AmEx travel acknowledged this should never have been done by XXXX and was their mistake. American agrees it was a mistake XXXX made, but they can't fix it. I do not need credit on XXXX, and purchased my ticket through American specifically so if I had any changes my credit would be there. I disputed half the cost of both of those tickets for I have reasons stated. If AmEx travel or American Airlines, the two parties involved in selling my ticket, request back up for why I am disputing, I am glad to reiterate what I stated above and several times before, that the ticket rules were changed on me, and I am no longer able to get AA credit as was the rules at the time the ticket was sold. I am confident that I am correct that I should not be penalized or negatively impacted by mistakes made by XXXX. Amex travel refused to refund me, and Amex resolved the dispute internally, against themselves, in their favor. 

XXXX Ref. XXXX and Ref. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: VA
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:
In recent years I have attempted to dispute incorrect information listed on my credit report by Equifax. I have sent NUMEROUS letters asking them to place the name of 3 XXXX collections that are reported in my credit file with a name of the company that claims I owe them money. Instead they have only listed accounts # 's. I believe I may have been a victim of medical fraud but can not file a report because they won't even give me the name of the company 's. 

Currently the accounts are listed as " Original Creditor : ... ... ... ... ''! This does not give me the ability to use consumer laws to my advantage and even verify if this debt is correct OR even pay it if I truly do owe it. Equifax has ignored my MANY letters of providing proof on how this debt was verified as mine and they continue to report it which in turn in lowering my credit score and damaging my credit profile. I have nothing negative on my reports except for these 3 erroneous accounts that Equifax is reporting. They are not listed on any of my other credit reports. This leads me to believe that Equifax may be participating in illegal practices with false reporting. If this isn't solved ASAP I will be forced to take legal action against one of the largest credit reporting agencies but I can't allow this deformation to occur an longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The creditor XXXX or XXXX for {$7500.00} was removed on the account last month. This account is still active and XXXX XXXX said I need to speak to you all to get it re-applied on there. This negatively impacted my score. Please put it back.

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 2023-10-14
Company: Recovery One, LLC
State: OH
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:
i sent a debt validation letter, on XX/XX/XXXX XXXX requesting validation under the fair debt collection practices act, 15 USC 1692g. the company has not responded to this validation request within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX I called Captital One Credit Card Services to request help due to financial hardship due to COVID 19 lockdown. They agreed that they would not require payments on the account while I was affected by the lockdown and that they would not assess late fees and they would not be reporting the account to the credit bureaus. However, they did not keep there promise. They charged my account a late fee of {$38.00} on XX/XX/XXXX and another {$38.00} on XX/XX/XXXX. I called today XX/XX/20 to have the charges reversed and they refused to do so. I even spoke to the supervisor. They even completely denied that I called them although that shouldn't matter since the whole world knows about the disastrous condition XXXX XXXX  has been in and the fact that we aren't even completely out of lockdown at all!!! Trying to get answers about COVID assistance online was a deceitful wild goose chase as well. It mentions COVID relief but when you click on the links they lead no-where!!! There is not way to ask for help although they make it look like they will help they do not!!! 

After insisting that there has to be something they could do to help during COVID the supervisor changed the amount due on XX/XX/XXXX to 0 instead of {$180.00}. but since I already missed the XX/XX/XXXX payment that still would leave me with the already charged late fee on the account!!!! She still would not even take away the late fee for XXXX anyway. Basically doing ablsolutely NOTHING to help me!!! Changing the accounting for a previous payment to XXXX and not taking away a late fee equals DOING ABSOLUTELY NOTHING FOR A STRUGGLING CUSTOMER DURING THE COVID PANDEMIC. 

They charge over 24 % interest and I have struggled to bring down the balance for 4 years and have been unable to do so. They are making a XXXX  on my account and yet refused to waive those late fees while I'm struggling during a pandemic!!! They are XXXX  and should be penalized. All other credit cards that I called on that day are all extending the courtesy EXCEPT them. They are scammers and liars. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Avant Holding Company, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls multiple times a day, with one call after XXXX CST tonight, XXXX. No mention of money owed, nor answering of questions or proof in writing. Have number called from and time stamps on call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
*** Missed portion of the initial complaint*** The company failed to address them illegally collecting in the state of Texas . Texas Surety bond information as required by Sec. XXXX. I attached a filed complaint with the Texas Attorney 's General office and a copy of them not have a valid and open surety bond. This company is in violation of Texas law and I demand for this to be removed from all 3 credit bureaus. So apparently, they did not read my complaint in its entirety. Per this requirement you must delete this trade line. 

And you somehow just wanted to close the previous complaint without them specifically addressing all my concerns. Sending me the validation was only part of it. How are they allowed to illegally collect in the state of Texas which is why I filed a complaint with the Texas Attorney Generals office, which is attached. All their surety bonds are closed.

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 2021-03-17
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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 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 XXXX 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.

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 2021-03-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE ACCOUNTS LISTED ON MY CREDIT REPORT IS NOT MINES AND ALSO THERE ARE SEVERAL INQUIRIES ON MY CREDIT REPORT ARE NOT MINES AND THIS IS STRESSING ME OUT AND DAMAGING MY LIFE. I CAN'T SLEEP NOR EAT PLEASE HELP ME RESOLVE THIS ISSUE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received an email from FNBO-Direct on XX/XX/ confirming they received my application for an account. I was given an application number. 
I had not opened or requested an account and thought it was a fraudulent email from a fake bank. I confirmed that FNBO-Direct is the First National Bank of Omaha-Direct and I that are an actual bank. I forwarded the email to their report phishing attempts believing I was sent a fake email from the bank. 

On XX/XX/XXXX XXXX I was sent an automated email thanking me for reporting the phishing. 

On XX/XX/, I received an email from FNBO-Direct stating that Our attempts to make a trial deposit into your XXXX XXXX XXXX XXXX Checking account using the information provided in the application process have failed. 
I did not apply for an account with FNBO-Direct, nor do I have an account at the XXXX XXXX XXXX and therefore did not fill out an application with this information. 
On XX/XX/, at XXXX XXXX  Eastern I called FNBO about this issue and spoke to someone who wanted me to give my social security number to access the account application, and I refused to give them my SS number and ask to speak to someone else. I then was transferred to someone from FNBO-Direct who could assist me by accessing the account information based off the application number that was in the email. I explained my situation and the emails I had received from their bank about a fraudulent account opened in my name. I live on the XXXX XXXX and would not open an account at the First National Bank of Omaha or have a XXXX XXXX account because I dont live in either of these places and have no need for this. She closed the account and told me to contact the FTC.gov to report the fraud and to contact credit check companies such as XXXX to see if additional accounts were created in my name. 
On XXXXXXXX XXXX- found an email saying my attempt to open an account was closed because information couldnt be confirmed. The email was sent at XXXXXXXX XXXX but I did not see the email until XXXXXXXX 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 2023-07-03
Company: Ideal Collection Services, Inc.
State: MI
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:
A collection on my credit is showing up as Ideal Collection Services, I have never done any business with Ideal Collection Services and I have sent multiple letters asking them to verify the debt belongs to me, to which they have refused to respond in a reasonable time frame. I sent the first letter out on XX/XX/2023 and the second letter out on XX/XX/2023, finally I sent the XXXX letter on XX/XX/2023. The company has failed to respond to all XXXX letters. I have the right to demand a signed copy of the contract between myself and Ideal Collection Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
The following accounts are INVALID and must be REMOVED from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or XXXX, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.

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