BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: MD
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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: ALLY FINANCIAL 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 am filing this Complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank 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 2021-10-09
Company: BTH Management
State: MO
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:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a complaint about Equifax failing to set up a Fraud Alert as follow-up to a Fraud Alert initiated at XXXX. ( Note : I do not have any personal or professional connection to any of the credit bureaus and this is an unbiased complaint. ) I recently became a victim of identity theft and wanted to put Fraud Alerts on my accounts at the 3 major credit bureaus. I understand that the process is supposed to work by contacting 1 of the credit bureaus to set up the Fraud Alert, and then that credit bureau will contact the other 2 to set up Fraud Alerts at the other credit bureaus. XXXX & XXXX handled it well, but Equifax did not. I started with XXXX by logging in to my account online and setting up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX to confirm that they had placed a similar Fraud Alert on my account there on XXXX, only 1 day after I contacted XXXX. Unfortunately, I never heard anything from Equifax. Then, 18 days later on XXXX, I logged in to my Equifax account online and saw that they had still not set up a Fraud Alert. So while I was logged into my Equifax account, I set up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX and XXXX that they had set up another pair of Fraud Alerts on my accounts only 1 day later on XXXX. 
This is not the first time I've had issues with Equifax. In XXXX, when I set up freezes on my credit reports, the Equifax system had issues and Equifax was extremely slow & often unresponsive before finally freezing my credit report several months later. 
I now have very little trust in Equifax to protect and correctly handle my information and I wish the rule of " three strikes & you're out '' would apply to Equifax : 1 ) XXXX data breach, XXXX XXXX XXXX issues with freezing my credit report, and 3 ) XXXX issues with setting up a Fraud Alert on my account. IF I had a choice, I would never deal with Equifax and I wish other companies would stop working with them. In the meantime, I am informing people I know in the financial industry & others about my bad experiences with Equifax. I also hope that CFPB will provide greater oversight & lead to corrective actions at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NC
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2021-09-26
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regards to my Comenity credit card for Victoria 's Secret. My payment due date is the XXXX of every month. On XX/XX/XXXX, XXXX I paid the balance of my victoria 's secret credit card off {$170.00}. This reflected a {$0.00} balance. I had no intention of using this card for at least another 4-6 months. Apparently they started charging me finance fees & late fees for not paying the finance fees on the card that had a {$0.00} balance. I called customer service and she explained it was " residual finance charges '' on the {$170.00}. She would be willing to wave one of the late fees as a one time courtesy. ( {$7.00} ), and then conveniently the call was disconnected. This is completely fraudulent and misleading. I paid the full amount of XXXX 3 days prior to it being due. I should not have to check monthly if they want to charge me finance charges after the full amount was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-03-07
Company: EQUIFAX, 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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit 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 initially contacted Verizon Visa Card on XX/XX/XXXX, about a {$350.00} charge that was made on XX/XX/XXXX. I disputed the {$350.00} charge and requested a reversal of the charges on the basis that the merchant ( XXXX XXXX XXXX ) has gotten paid TWICE at my expense... How? Because XXXX XXXX XXXX is CONNECTED to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I paid XXXX XXXX XXXX {$350.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has deducted {$400.00} on behalf of XXXX XXXX XXXX XXXX 

NOTE : It takes weeks for a tax refund to be processed, so this is why we have the dates XX/XX/XXXX and XX/XX/XXXXXXXX  in my complaint The amount of {$350.00} versus {$400.00} is because of a discount I paid UPFRONT! 

If clients elect to have tax prepared service fees taken out of their tax return, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) will deduct tax service fees from the clients tax return ; pay the tax preparer, and send the client the remaining balance!

However, if fees are paid UPFRONT, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) WILL NOT DEDUCT any fees and will send the full amount to the clientNOTE : The client is meTerrance XXXX! 

***For further details please see all ( 6 ) attachments 1. Letter to Verison Visa Card 2. Copy of the IRS Tax Form ( 2nd page only ) 3. Copy XXXX Payment Receipt 4. Copy of Bank Statement 5. TPG Receipt 6. XX/XX/XXXX letter sent to me by Verison Visa 7. XX/XX/XXXX letter sent to me by Verison Visa Please read " Letter to Verison Visa Card '' -- -FIRST ... .IT EXPLAINS IN GREAT DETAIL OF MY COMPLAINT...

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 2021-09-15
Company: I.C. System, Inc.
State: CA
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:
No knowledge of account. I never received any notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. Please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.

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 2021-09-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SYNC/SYNCB Ran a credit report without my permission, nor without me even reaching out to them in the first place. They purchased my information then ran my credit in order to advertise to me. I don't need a loan in the first place, so I never even clicked on their site. Even if I did click on their site they hacked me to get my info. This is wrong..

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 2018-04-23
Company: JPMORGAN CHASE & CO.
State: FL
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 obtained inflight offer to earn XXXX bonus miles after spending {$3000.00} in the first three months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card. Chase didnt approve my application based on too many credit cards open in the last two years. 
According to terms and conditions on the application : this product is not available to either ( 1 ) current card member of this credit card- which I am not, or ( 2 ) previous card member of credit card who received a new card member bonus for this card within the last 24 months-which I had closedmore then 24 month ago on XX/XX/2016. See attached. 
The conversation with the supervisor of Chase was fruitless. 
Chase implemented the criteria : if you open more then five general credit cards in the last 24 months, youll be rejected, but they never disclosed it. 
In my case I had two store cards that is not supposed be accounted. 
Not fully disclosing ALL the conditions is a violation of the TRUTH IN LENDING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX-Tranunion-XXXX  : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 had a checking account with XXXX in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

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 2018-12-10
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
My American Express card was charged {$240.00} by XXXX XXXX and {$61.00} by XXXX XXXX XXXX. I was not aware of the {$61.00} charged by XXXX XXXX as I had advised them that I had not given XXXX XXXX XXXX permission to use my card. Also, I had called XXXX XXXX  over 10 times to cancel this vacation package. 
American Express refused to initiate these two disputes. Each representative would state a different policy. Also, I was not allowed to speak with a supervisor as all were in a meeting on a Monday at XXXX XXXX EST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 USC 1681. 
Account name : XXXX XXXXXXXX, 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 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2020-02-21
Company: Army and Air Force Exchange Service
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I informed the Army Air Force Exchange Services that I was a victim of identity theft and a Military Star card was taken out in my name. They refused to take action. I demanded the account be closed. 
On XXXX XX/XX/XXXX as requested I notified AAFES fraud department via email. I then called AAFES to confirm receipt, but again the representative refused to contact the fraud department to confirm receipt. After my insistence the representative contacted the fraud department and confirmed receipt. 
Subsequently, they sent multiple emails, and bills trying to collect the debt. 
In XXXX they sent me a credit card for the account I did not open. 
In the first week of XXXX they notified two members of Congress and myself that the account is closed, they would zero the balance, and would remove the account from my credit report. 
However, on XXXX XX/XX/2020 they sent another email indicating I still owed them money. Thus, the lied to Congress and myself.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: WA
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 have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin ODA XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/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 explanation