BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 XXXX and XX/XX/2022 XXXX XXXX issued inquiry. 
There were unauthorized transactions made with this card. 
Noticed collections on XXXX XXXX  Filed dispute with all XXXX credit beauros Dispute was corrected and collection was removed. 
Transunion has Deliberately denied me to dispute fraudulent activity on my consumer report. 
My credit score dropped XXXX points From XXXX to XX/XX/2022 XXXX to the fraudulent 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 explanation
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I traveled to XXXX  on XX/XX/XXXX, stopped at a gas station for gas, and used my Bank of America credit card. On the way home I stopped to buy food, while I was going to pay I noticed that my Bank of America credit card was not with me. I called the credit card immediately to report it missing. They asked me if I recognized a charge of {$980.00} dollars that was recent on my card and I explained that I only use my card to buy gasoline. They said they would open a fraud claim and perform an investigation. I didnt heard from Bank Of American for over a month and I went to my account on XX/XX/XXXX and saw the {$980.00} charges again on my account with a message saying " case # XXXX closed ''. I called fraud customer service again and I was told that they they wouldn't accept my claim because I've shopped at that store many times before, I used my pin, I signed while paying, and I authorized someone to use my credit card. I explained to them that I didn't even know what store was because I was not informed of the store name and what merchandise they bought with my card, because Bank of America never notified me about it and that I only used my card to put gas in my car and I went home, which is 3 hours from XXXX XXXX. I requested the lady a proofs of all the accusations she was doing to me. She told me that they were going to reopen the case. They ignored my claim again and left the charges on my account. Approximately the second week of XXXX I called again and they told me that they closed the case again and that they were going to reopen it to investigate again. On XX/XX/XXXX I got the first letter from Bank of America with my claim denied, and saying they already reported me to XXXX, XXXX, XXXX, XXXX and giving me the same excuses they gave me over the phone. They never sent me the proofs I requested of the accusations that they made me that I had previously bought in that store, they never explained to me what store it was so I could discuss with the person about that fraudulent charge and they never told me what they bought with me card. It is not fair that I have to pay for being a victim of fraud as it happens to millions of people in this country.

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 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: VA
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 purchased a mobile app from a company named XXXX XXXX on XX/XX/2022. Upon downloading the application I knew instantly that I would not be able to use this. I attempted to call the XXXX number listed on the sales info, but no one answered this phone. I attempted to call both XXXX and XXXX which were numbers I found for this company of the Internet. Neither of these phones were being picked up. I then called my credit card company, American Express, and disputed the charge. In Virginia, you can cancel a sale within 72 hours without a reason. Somehow, some way XXXX XXXX found that I disputed the charge and got American Express put the charge back on my card. When my credit card bill showed up and this charge was still there I called American Express irate telling them my dilemma and asking that this charge be removed and a second dispute was started. 

As of today, the money has never been credited back to my American Express account. 

I have emails from XXXX XXXX claiming that they have returned my money. 

I am now caught in the middle. XXXX XXXX says they returned the money and American Express said they did not. I want to know what I can do to move this to resolution before handing it over to my attorney where this will get real expensive for one or both of these companies. 

I am including emails I have from XXXX XXXX ( XXXX ) stating that the dispute was found in my favor and they have credited the money back. Of course, upon asking them for proof they say that this letter should serve as proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now Equifax has published a charge-off from XXXX XXXX XXXX who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from XXXX XXXX has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of XXXX possessing that repurchase agreement and I never received the REQUIRED IRS 1099c form. Equifax is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. Equifax as well as XXXX have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past three years I have complained about XXXX XXXX XXXX claiming that I owe money and that without providing proof or trying to contact me, they report this DEBT NOT OWED to my credit report. I never received such notice, bill, or any documents that prove that I owe this debt as I never had any services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SYNCHRONY FINANCIAL
State: PA
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 signed up for PayPal Credit in XXXX and was given a line of credit worth thousands of dollars. I would regularly spend on this account and it was never reported to credit bureaus. There was a flexible payment option for this account that allowed late payments to be made and the only punishment for this was to pay more in interest. PayPal confirmed to me verbally over the phone and through their online portal that it would not be reported to credit agencies. Synchrony Bank took over PayPal Credit in the XX/XX/2019 and without notice began reporting to credit bureaus. I never agreed to updated terms for PayPal credit nor did Synchrony Bank report to me that there were new guidelines for this account. Synchrony Bank has inaccurately reported my credit and when I confront them about this in writing they say we have reviewed it and it is accurate. They refer me back to the PayPal Credit customer service number each time at XXXX. Synchrony Bank must delete my PayPal Credit account information from all relevant credit bureaus immediately. As you will see by my attached documents they make several mistakes on my credit report and have inaccurate information. On my XXXX, XXXX, and XXXX accounts they describe themselves as a " credit card '' and " revolving account ''. I never was offered or owned a physical credit card. They also say on my XXXX  report that my account was late only XXXX, XXXX, and XX/XX/XXXX. But on my XXXX  and XXXX  reports say I was late on XXXX, XXXX, XXXX, and XX/XX/XXXX. The reporting also contains inaccuracies when the account was closed. Although my XXXX and XXXX  accounts state my account was closed in XX/XX/XXXX my XXXX  says it was closed in XX/XX/XXXX. So how it can it be late on my XXXX  and XXXX  reports for XXXX if XXXX  says it was closed that month? They have single handedly destroyed my credit and it adds serious insult that is inaccurate. When I have disputed these inaccuracies to credit bureaus Synchrony bank falsely claims that my account information is accurate. And each time the credit bureaus have sided with Synchrony. 


I am not alone in experiencing issues with Synchrony Bank and you can reference this article in XXXX magazine that outlines my exact issues : https : 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Previously ( XX/XX/XXXX ) disputed an account with two credit bureaus : TransUnion and XXXX but only XXXX deleted the inaccurate account ( XX/XX/XXXX ). Now this account remains on my Transunion credit file causing distress and recent denial from housing. I am requesting that TransUnion look over the account and delete it to make all three of my credit files 100 % uniform in accuracy.

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 2020-01-25
Company: AA Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Wednesday XX/XX/2020 I received a voicemail from XXXX XXXX calling from XXXX the message was veryu rude stating that he has been retained to pursue all of my legal assets.I had no idea who he was so I called back and he immediately starting yelling that I owe a debt and that I need to pay it .I asked him from who because I had not received a letter from him. He started yelling that I am broke and probably cant afford to pay the debt. Then he said I want verification so I can find a way not to pay it. Then I asked him who was the orginal debt owner he said XXXX  XXXX .I asked him to give me their number so I can contact them .He told me to XXXX it .I said to him I wanted to make sure I had the correct info he started yelling I am too stupid to go online and XXXX.it He attacked me verbally non stop for 20 minutes. I told him clearly I can not speak to him without him yelling and being abusive so he said to speak to his supervisor and he put a guy name XXXX on the phone and I asked him what was the name of the business he was calling from he said AA Recovery in XXXX Fla. I advised him of XXXX behavior he didn't really say to much about XXXX behavior. I told him I have never seen or heard of this debt before .He said the debt was {$3000.00} I told him I never took a loan for for {$3000.00}. He said it was {$1500.00} and the rest was fees. I asked him to send me confirmation where I signed for this loan because I have not signed for a loan. He sent me a letter that stated this : Pursuant to our discussion and our clients approval this letter will serve as official notification that this office is authorized to accept the sum of {$3000.00} as payment in full on the outstanding balance for the above referenced account on the conditions outlined below. Upon receipt of cleared funds, your account will be considered paid in full. Each payment must be received in our office no later than the close of business on the date indicated below. If payments are not received in the indicated amounts and on or before the date due, this offer is hereby revoked and AA Recovery Solutions is under no further obligation to honor the terms of this offer. 
I responded to him to send me an address so I can write a letter to him to validate this loan with a promissory note etc he has yet to respond. I am not sure if this company is a scam or what. I would like to file a formal complaint against this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After paying on a no-interest 24 month purchase, for two years, Comenity Bank suddenly and without warning charged me {$650.00} in interest on the purchase. The final payment was about {$100.00}. 

I had my account on auto-pay, but the final payment on that purchase was not included in the autopay payment. Thus, I missed it and they charged me the interest. 

I was not sent an email or text messaged about this imminent interest charge, despite being on their call/text list for account information. I regularly receive marketing and account information in those ways from Comenity for this account, so it is perplexing why they would not contact me. 

Two deaths in my family prevented me from dealing with this account until now. I called Comenity on XX/XX/17 at XXXX and they said they could not eliminate the charge or issue me a credit. 

I am filling a complaint that they violated consumer protection laws by not informing me of the impending {$650.00} interest charge, by not increasing my auto pay amount at that I could pay the balance and avoid the charge, and by not offering to me to increase my auto pay so I could avoid the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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 had an account from XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on 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 non-monetary relief
Consumer complaint received 2022-10-07
Company: OneMain Finance Corporation
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) MIDLAND FUNDING Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
I am a customer of Self with both a credit builder account and a visa credit card account. I have been consistent in paying my both account on timely basis until I felt sick due to the XXXX. I am a XXXX  worker in the XXXX XXXX XXXX and have worked all through the crisis covid in the XXXX XXXX  of a major XXXX in XXXX XXXX XXXX. I contacted the company and explained that I was sick in XXXX and probably missed the payment due to my serious illness. I was advised to write a goodwill letter by a gentleman that I spoke with with over the phone which I did twice. Twice, the response was by an automated machine denying my request. 
I have carefully revised my account and during the month of XXXX and XXXX 2020, payment was made twice each month and that should have covered payment for XXXX 2020. It is painful that Self is being insensitive to the plight of XXXX XXXX who has been consistent with payment until falling sick and will rather aggravate the health struggle with additional financial woe. 
I want the company to review my account and remove the late payment on my credit profile for the month of XXXX 2020. I also do not understand the various reversal of late payment between the month of XXXX and XXXX. 
The four payments I am referring to are for the following months XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX of 2022, XXXX American Express accounts were fraudulently opened in my name without my knowledge. I have never applied and have never opened any account with American Express previously. The criminals charged more than {$38000.00} to these accounts. I was made aware of these account only via my credit reports. At the time, I was a victim of major ID Theft. Multiple bank accounts I already had were hacked as well as a number of other credit cards. The criminals also physically walked into a bank and using forged, fraudulent military ID cards, withdrew {$1500.00} in cash out of my accounts. All other banks and credit card companies have determined everything I was experiencing as fraud due to this ID Theft. American Express refuses to accept my dispute. I have called American Express multiple times and no one from their fraud investigation team will contact me even though I was told multiple times I would hear from them. I faxed them XXXX pages of supporting documents including a lengthy police report acknowledging the fraud and ID Theft that I was a victim of, and yet American Express denies my dispute. On top of this, American Express refuses to give me any reason whatsoever as to why they are denying my dispute.

Company response to consumer: Closed with explanation