BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
-XX/XX/XXXX I opened a Gold Delta credit card. 
-I used it in XX/XX/XXXX for the amount of {$160.00} -XX/XX/XXXX I received a statement with balance of {$200.00}, includes a late fee of {$35.00} and interest of {$2.00}. I let them know no statement was received and I requested to remove the charges. Customer service specialist request permit to his supervisor and it was authorized then I proceeded to pay the balance in full by phone XX/XX/XXXX and to close the account. Specialist offered to me other card options and I said no for now. And then he said your balance is XXXX and the card is close. 
- In XXXX XX/XX/XXXX I received another statement and it shows a new balance of {$35.00}. I called immediately and they apologized and said I dont need to pay it because it was their mistake and they will remove it. I said to the customer service representative for my tranquility I need to receive a paper with shows the XXXX balance and that the account is closed. 
- I received in XX/XX/XXXX the receipt with zero balance. 
- XX/XX/XXXX I received one statement with new balance of {$95.00} and stated that in XXXX my account has a total fees of {$60.00}. 
- I called XX/XX/XXXX and talked with XXXX about why if this account was closed and I received a XXXX balance receipt, I am getting charges. He apologized said because the account wasnt closed and I dont be worried about this, it was a mistake and the balance is removed. 
XXXX I called and finally I can contact a Spanish representative and XXXX said the fee was reversed and the account is closed. No problem and worries for me in the future.He did the process with his supervisor. And said in 72 hours is reflected in my balance with them. 
- XX/XX/XXXX I received another statement with the balance of {$95.00} again. 
- I called XX/XX/XXXX and I talked with XXXX and his attitude was very different than previous representatives and said I need to pay this balance. I explained all the process again and said it was a mistake of whom removed it you need to pay the {$95.00} because is the annual fee and he can not do more for me. Finally he released after my constantly questions. I only see that in XX/XX/XXXX you were transferred to the XXXX line, I said ok check the notes and you can realize what happens, He said sorry I can not help you with this problem, you need to pay. I asked to transfer with a supervisor and said there is not a supervisor available, I said I can wait on the line and said you need to call tomorrow because its not a supervisor in the floor. 
-XX/XX/XXXX I called and asked for a supervisor to talk about my case and let me in hold for a long time and hung up the call. I can not call back again because it was at my lunch break. 
- I sent a letter and never received an answer. And they continue harassing me sending every month the same statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
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:
I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly by stating that the investigation was verified and reports accurately as to how it reflects with the US Federal Bankruptcy Court. Transunion does not send supporting documentation ( method of validation used - who validated and their contact information ). A general statement as a response to my inquiry does not validate such request. How was this vallidated? The US Bankruptcy Court does not validate with 3rd parties. 

1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK Court XXXX Florida ' and that they will NOT continue to re-investigate such requests from me. 2 ) I took it upon myself to send a letter to the USBK Court XXXX Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. 

In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House. I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from TransUnion.

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 2018-02-25
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
told them I never lived at this address send them materials where I lived at the time and this must be identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX my store credit card was charged {$2100.00} at a store I have never been to nor do I even have membership. I received an email from the bank about suspicious activity on my account. I immediately contacted the credit card company to report what had occurred and attempted to resolve the problem. Every month since, I was charged with the fraudulent purchase ( at times I was charged twice XXXX. I called the company every month to resolve this issue, however the transaction kept appearing on my account on my next statement despite ongoing investigation and multiple phone calls. 


On XX/XX/XXXX, after 5 months of investigation I still had not received an update from the credit card company. I called them and I was told when I called the credit card company that the investigation lead them to still charge me for the fraudulent purchase as the purchase was completed by chip despite my card never being stolen or misplaced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
TransUnion ( TU ) reported publicly that XXXX ( XXXX ) is the third party vendor that supplied the bankruptcy data. I received a report XX/XX/XXXX disputing the inaccuracy of the bankruptcy file date. XX/XX/XXXX XXXX confirmed that the filed date reported to ( TU ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to TU for correction. TU did not correct or update the credit report that reflected the correction from XXXX. TU did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time.

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 2018-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX  Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX  FL for court located at XXXX XXXX XXXX XXXX XXXX FL XXXX at XXXX XXXX  onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2020-05-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a month ago upon checking my credit report I noticed a collection from a collection agency called Transworld Systems was on my credit report. I attempted to contact the debt collectors on several occasions requesting in writing a verification of how and why do I owe {$1200.00}. On XX/XX/XXXX I contacted the agency for the second time with the same request and on XX/XX/XXXX the agency called me back asking about payment I again requested in writing an explanation of the debt. The agency stated that they would have contact the original creditor and send me out a statement and then said or I can pay the bill in full. 
I again contacted Transworld systems by phone on XX/XX/2020 inquiring about the written date or bill again they told me that there was nothing they can do and they have requested a summary from the original creditor XXXX XXXX XXXX I insisted that I needed to clear this issue up as soon as possible to no avail, they kept telling me the same thing over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2017 I sent a certified letter to Experian and XXXX   asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the XXXX XXXX XXXX I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).

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 2018-05-22
Company: ENCORE CAPITAL GROUP INC.
State: KY
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:
They are reporting that I have an account in witch I do not. I have asked several times to have it removed but the refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2018 XXXX XXXX, OREGON Unauthorized credit inquiry. Credit inquiry made despite explicit instructions not to perform a hard pull. No credit was sought, and I simply entered the business to inquire about cell phone services. I was verbally assured that no credit would be pulled. 

I never exchanged money with XXXX and never had an account with them, yet my credit was pulled despite my explicit instructions not to pull the credit. 

XXXX pulls credit reports without permission or authorization, and indeed pulls them even after being told explicitly not to pull them, and they also lie to your face about pulling credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Open XXXX XXXX car loan in XX/XX/XXXX. Last payment was in XX/XX/XXXX paid off.

They were reporting negative status still. XX/XX/XXXX to XX/XX/XXXX is 10 years item still reporting and its XX/XX/XXXX.

Even if they are reporting from last payment of XX/XX/XXXX item should age off XX/XX/XXXX, I disputed the information and they say it is valid and provided no information as to how long it will remain 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 explanation
Consumer complaint received 2018-02-25
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from Equifax that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT FOR ACCOUNT # XXXX THIS ACCOUNT HAS ALWAYS BEEN ON AUTOPAY ... PLEASE CORRECT THE LATES REPORTED BY XXXX ON MY CREDIT REPORT THAT WERE A RESULT OF A MERGER/ACQUISITION FROM XXXXXXXX XXXX TO XXXX. REMOVE, CORRECT AND RESOLVE THESE ERRORS WITH THE CREDIT BUREAUS IMMEDIATELY AND IN ACCORDANCE WITH F.C.R.A. RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
bank of America is still reporting a charge off credit card on my credit report even after they issued a XXXX in XX/XX/2018. I have paid taxes on it but its still showing up 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 explanation