BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: AMERICAN EXPRESS COMPANY
State: LA
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 was having issues with my current Amex card and received an offer for a new one. I did not realize it was an upgraded card. I was a customer for over 20 years. 

When I called Amex wanting to actually upgrade my card, I was told I wasn't eligible for new customer offers, so I requested to cancel. Support agent stated I would forfeit existing offers. I asked him which ones and he stated cash back. 

I received a reversal of {$150.00} credit that I didn't know I had previously received. I checked my email and the terms of 1 year were at the very bottom and similar gray color of the background. 

When I called to question the charge, I was told it would be investigated, but was required to zero out my balance or face credit ding. When I called back 2 months later, I was informed the issue was closed with no notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Affirm calls me multiple times a day starting at XXXX on the dot. They call maybe every other hour upto 5 times a day even weekends. I feel that this is harassment because I cant even relax in the morning because the clock changes to XXXX and they call. Please have Affirm stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a formal complaint against XXXX, XXXX and Transunion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.

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 2023-03-01
Company: HW Holding, 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:
Each month I have reported the discrepancies to each bureau about eh account of Hunter Warfield. The reporting dates are inaccurate on all 3. I never received a full report after requesting it. The amount and reporting of the account does not belong to me and I was never on the lease. After requesting original contract and asking for the dates to be confirmed it was never rectified. I never agreed to the credit bureaus reporting this account, I have no knowledge of this account and It continues to be unheard. 

In accordance with the Fair Credit Reporting act, Hunter Warfield account 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 2021-02-09
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-04-09
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account started reporting to XXXX on XXXX XXXX stating I owe XXXX they reported XX/XX/XXXX then XX/XX/XXXX and XXXX XXXX at the same amount then it changed to {$1500.00} from XXXX to current XX/XX/XXXX I've contacted midland and I spoke to someone about a debit validation letter I never received also they told me the reason the amount changed was because I've was giving a credit because I met a certain criteria I asked if they can send me something explaining what kind of credit that was they said they couldn't, and also this amount of XXXX is on my credit report as the original about and that's in accurate as well XXXX reported midland XXXX amount and they are now saying XXXX is accurate and It isn't im not sure what I owe them if I did because reporting is incorrect and there's not validations or written paperwork to back this up I'm just lost the

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Capital One Credit Card that was enrolled in a debt consolidation program with InCharge Debt Solutions in XXXX of XXXX. All payments have been made by XXXX since then. Capital One is reporting a late payment in XX/XX/XXXX when all payments have been made within the same 3-4 day window every month by XXXX. I filed a dispute with Capital One and provided proof of payment made by XXXX and the corresponding payment history from my Capital One account. They continue to state that the payment was late and will not correct. Prior to filing the dispute with Capital One directly, I also disputed the accuracy via each credit agency with no resolution. Capital One will not directly connect me with someone in the dispute department to discuss, insisting that I mail another dispute, wasting my time as they continue to run me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CBC Companies, Inc.
State: IL
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:
Dear XXXX XXXX, XXXX  and, INNOVIS Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-04-22
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with robinhood XXXX account back in XXXX XXXX XXXX of XXXX I flew to XXXX XXXX XXXX while abroad I lost my XXXX XXXX XXXX XXXX and during that time a recurring transactions from other account were established and sending a total of {$2300.00} to my robinhood account.I Tried unsuccessfully to contact XXXX.I had no other choice just to file a dispute.after approximately 5 days the transactions were reversed and I received my money bac.I returned to the United States in XX/XX/XXXX and I'am still locked out of my robinhood account.I emailed the help desk and they requested a picture of my self holding my identification.they are not following the disclosure and guidance of how to log back ounce you forget your password.they have my social security number my passport card informations my driver license my physical address, that should be enough to let them give me access to the account.for all the reasons listed above, I do not want to bank with robinhood anymore. 
I currently have {$410.00} in my investment account at robinhood. 
how can solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.

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 2022-04-09
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
MY COMPLAINT AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Times XX/XX/XXXX days late XX/XX/XXXX Closed No Info IT IS NOW THE DATE OF XX/XX/XXXX DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-04-09
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX was traded in the month of XX/XX/XXXX. Ally Financial has reported a late payment. I called today and they are now saying the dealership is responsible for {$95.00}. They were paid in full and Ally has confirmed they have been paid by the dealerhsip. I have a confirmed tracking number from the dealership. Ally has never contacted me about any of this. Now I have a late payment and owe a balance. I called Ally Financial today and this was the information I was told. I now have to contact the dealership about the {$95.00} although the payoff amount was stated at the time of the trade in.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 TransUnion deleted every account on my credit report. Over the following week my credit score with TransUnion dropped by almost XXXX points. Prior to their ADMITTED error my score was XXXX and dropped to XXXX overnight. Since they rebuilt my credit report my score has increased to a current score of XXXX, but is still far below where it was. During this time my XXXX score has stayed above XXXX. This error was, and is, completely due to the inability of TransUnion to properly, and legally, maintain my credit score based on my actual history and credit usage. While they have repaired the problem that TransUnion deleting every historic item on my credit report, to the tune of XXXX current and historic accounts, by rebuilding and reinstating the accounts of record, the damage to my credit score persists. Again, they acknowledged and have repaired THEIR error but my credit score has not recovered to where it was previous. 

You will see from the two TransUnion provided credit reports, one dated XX/XX/2022 and one dated XX/XX/2022 the difference. The XX/XX/XXXX report shows my entire credit history and the XX/XX/XXXX report shows the report AFTER TransUnion deleted my entire history from my 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 explanation
Consumer complaint received 2023-03-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with a representative today at Comenity Bank for my Torrid Credit Card. They helped me with a hardship plan for my credit card and states now I will be in good standing. Due to the CARES Act, I would like Comenity Bank to remove the 30 day late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company sent me a notification of a debt I reported years ago product of identity theft dont know how they obtain my address a sent me payment notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
On the day of XX/XX/XXXX, I reviewed my credit report to find the following inquiries that I DID NOT AUTHORIZE ... nor could have authorized due to the fact my credit files are all locked. The stated inquiries are : XXXX XX/XX/XXXX, and also XXXX XXXX XXXX XXXX, XXXX. These inquiries were not authorized nor made by me.I have challenged these with Equifax recently, as well as called them by phone, only for them to tell me these inquiries are factual. They CAN NOT BE FACTUAL WHEN MY CREDIT FILE HAS BEEN LOCKED, so there's no way an inquiry could even be made. Tell the truth EQUIFAX and start conducting legitimate investigations into consumer 's files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have multiple voice mails from Comenity bank regarding a XXXX XXXX. I dont know this man. I have had this phone number for 7-8 years. I told XXXX XXXX and XXXX XXXX that this number is not associated with XXXX XXXX and they keep harassing me. They call multiple times a day. My voicemail states this is the voicemail of XXXX XXXX. They are just harassing me at this point. They were obviously given a fake number by a thief. Not my problem. They refuse to give me there mailing address so I can send a cease and desist order. XXXX is one number they call from. When I block their number they call from an unknown number. Thats straight up harassment. The office number they leave on my voicemail is XXXX ext XXXX. Another ext XXXX from XXXX XXXX. I also have a message from XXXX XXXX, XXXX from XXXX ext. XXXX. The number XXXX shows XXXX XXXX. They are spoofing the phone numbers. Illegal. I want them to be held accountable for their constant harassment.

Company response to consumer: Closed with non-monetary relief