BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
American Express account customer for 23 years. Offered a Platinum American Express product through my online account. Card and details sent to my secondary address for consideration. Never activated card and refused offer. American Express charged the account an annual {$690.00} fee. I spoke with customer service explaining that I did not agree to the account terms and did not want the account, that's why I never activated the card and obviously never made any charges to the account because I had no intention of using the product. 

I was told that I would be charged the annual fee for the card and owed the {$690.00} fee regardless. I explained that I was and never intended to use the product and that my inactivity and lack of card activation revealed my intentions. Because 30 days had expired, they explained I missed the window to reject the offer. I never agreed to the card in the first place, and after 30 days of not activating the card, that should be an indication of my intention to not use the service. This also provides protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AZ
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2022, I observed an unauthorized transaction on my Wells Fargo checking account in the amount of {$7.00}. from " XXXX XXXX XXXX XXXX XXXX ''. It ALLEGED that I made the transaction on XX/XX/2022, however, I am inside my apartment and i NEVER left! On the same day, the amount was reversed in the same amount of {$7.00}. I cancelled my debit card immediately and requested a new debit card. I contacted Wells Fargo customer service and spoke to XXXX ( phonetic ) refused to provide last name and advised her of the same and I was issued a claim number. XXXX LEFT ME ON HOLD for over FIFTY minutes and counting! I would like to know who made this transaction, I want them held accountable and why was I left on hold with this VERY serious issue!

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 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX-2017 Not my account Fraud account identity theft

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX  XXXX XXXX ( XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Although the latest statement on that loan indicates that payment towards principal were made in the amount of {$1000.00} on XX/XX/XXXX and XX/XX/XXXX and the balance at the end of XXXX was {$26000.00} interest was charged on the amount of principal of {$28000.00} for the month of XXXX in the amount of {$57.00} although interest amounts for the following months were consistently decreasing except for the month of XXXX : XXXX, XXXX - {$74.00} XXXX, XXXX - {$69.00} XXXX, XXXX - {$68.00} XXXX, XXXX - {$62.00} XXXX, XXXX - {$63.00} XXXX, XXXX - {$60.00} XXXX, XXXX - {$53.00} XXXX, XXXX - {$56.00} Taking into consideration that the interest rates is still the same all that time at 2.5 % increases in interest in XXXX and XXXX are questionable in view of the fact that the principal was smaller in those months than in previous months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: DISCOVER BANK
State: MN
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 a Discover credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with Discover card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from Discover is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX and TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor TransUnion written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED / 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 2017-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On  XXXX / XXXX / XXXX , I submitted a request to Equifax requesting the method of verification for  XXXX   XXXX  Account  XXXX . Equifax has reported now  XXXX  times that this account has been verified. As it is in my rights to request for them to provide me with the method in which they verified this account. In addition, this account had been reported on my credit profile in multiple manners and has changed multiple times. I am thoroughly confused as to how an account that shows opened in  XXXX  with a company in bankruptcy. My request to Equifax again was to provide me with the method of verification not for them to re-investigate as their documentation shows

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the XXXX XXXX. They keep billing it to me. I have submitted copies from my banking institution and copy from web page showing paid. The store card changed banks and it comes back. I submitted same documents. I have paid this I dont understand their problem.

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 2019-04-16
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a flagstar customer. I was in active foreclosure until XX/XX/2019. Flagstar would not help me. I reached out to the ga hardest hit funds. The ga hardest hit fund approved my request sent flagstar the amount to bring my loan current. I checked on flagstar website not sure of the date but late XX/XX/2019 and the had sold my loan to XXXX and on their website my loan was paid up until XX/XX/XXXX. I have proof from the last complaint against flagstar. On XX/XX/2019 flagstar called me asking when will I be making my XX/XX/XXXXpayment. I said I am paid up until XX/XX/2019. They have took those payments from me and paid advances. But my advance was paid with the XXXX. I really think someone at this company is deliberately trying to put my loan in default so I can lose my home. When I call my call is still routed to the default department. Why? I am caught up. I requested XX/XX/2019 to have those funds moved back to my payments. I checked this morning XX/XX/2019 it looks like I am due 4 2 payments. How is this possible. Flagstar is doing alot of underhanded things to make sure I lose my home. I was not prepared to make a mortgage payment until XX/XX/XXXX like the letter and my online account stated. I hope they honor this letter signed by their office of president. If not I am moving forward with filing a lawsuit ag6this company. Because somebody is doing something illegal.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.

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 2018-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted a seller on XXXX for tickets to a concert on the same day. The seller was supposed to send me the tickets right after the XXXX transfer. The seller shared his details with me after I spoke to him on the cellphone. He chose to transfer via XXXX and not via XXXX or XXXX. After I made the payment of a XXXX XXXX the seller stopped responding to my texts, deleted the XXXX  post and also blocked my number. I immediately called XXXX and they said they can not help me since the transfer has already been initiated and they are not a bank controlling the fund transfer. I then called Bank of America and they said since it was a voluntary transfer they can not refund the money. They also said they can not help with any fraudulent protection and refused to refund me the money or cancel the transfer.

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 2021-04-14
Company: EQUIFAX, INC.
State: MS
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:
To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
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:
They have identity on all 3 of my credit report XXXX, trans union, XXXX credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX   XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.

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: Prosper Marketplace, 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: Account status incorrect

Complaint:
Account Type, Status, Status Update, Balance, Balance Updated, Your statement and payment history is incorrect on XXXX, XXXX XXXX XXXX. This account should be deleted from my credit report. ( Credit Report From ( 3 ) three bureaus attached. )

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 2023-01-17
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: Their investigation did not fix an error on your report

Complaint:
I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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  I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 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 2022-08-16
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Resurgent Capital Services stating i owe a debt from XXXX for {$21000.00}. First of all, i have no idea what this is about. I sent them a debt validation letter on XX/XX/XXXX. I just received an account summary report/letter from them on XX/XX/XXXX dated XX/XX/XXXX, which basically states the same thing they sent the first time, via mail. Their documents do not give out the full account # as requested to verify any relations to this matter ; just a resurgent reference #. 

The statute of limitations on collecting an auto debt in Louisiana is 3years. The listed origination date is XX/XX/XXXX ; Last payment rcvd XX/XX/XXXX ; Charged off dated of XX/XX/XXXX ; Account acquired XX/XX/XXXX. Today 's date is XX/XX/XXXX, which puts this matter 15years well beyond the legal and enforceable timeline. 

I would like them to delete my name and information from all of their records, cease and desists from ever contacting me or any affiliation of my name and address ever again, as I do not owe this debt. Doing so will violate laws put in place to protect consumers from shady, illegal and unfair practices & tactics like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation