BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased a flight using our American Express credit card. When purchasing the flight I made sure I purchased a flexible ticket and " Travel Guard Protection ''. 

Due to XXXX, I had to cancel the flight and I got a travel credit directly with American Express Travel to use for XXXX XXXX XXXX 

When I purchased the original ticket and cancelled, never was mentioned that the Airline credit I was going to receive would be restricted to the same travel of the orginal ticket. In my case, the original ticket is from XXXX to XXXX ~ now I am being forced to use the credit for the same ( XXXX to XXXX ). These terms and conditions were never mentioned until I just tried recently to schedule a new flight with our credits. 

I contacted XXXX XXXX and they made me aware that because I purchased a flexible ticket I can use the credit for any origin/destination. However, American Express Travel, the " owners '' of the ticket/credit, their system does not allow them to make a flight purchase when the origin is not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: USI Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USI solutions, inc from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RP Funding accounting of my escrow account continues to be erroneous. I am NOT asking for a recitation of all of the past matters. Fix the math. See attached escrow balance. There is an error of {$25.00} in the math of RP Funding. A full accounting of all payments is attached and below. 

Date Description Memo Payment Amount Escrow Balance BALANCE XX/XX/XXXX XXXX XX/XX/XXXX Opening Balance XXXX XXXX XX/XX/XXXX Escrow Funding from Closing XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Property And Casualty Payment Erroneous payment by RP Funding XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX BALANCE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recently Ive started receiving automated phone calls and voice mails to my cell phone number. I called the number back and spoke with a representative who advised me they were collecting on a debt from 1998. I do not know what this debt is for, I have no knowledge of this debt and I advised the representative this information and also advised him not to contact me anymore. The representative advised he would continue to call and he violated the FDCPA by calling me after my verbal request to cease and desist and he failed to give me a address to send the written request. I want this company to cease contact. I have not given them permission to call my cell. The representative was rude, and he violated several of my consumer rights. This company should be investigated for their collection tactics.

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 2020-09-20
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The above company placed a balance of {$890.00} on my credit report on XX/XX/2020. I have not done any business with this company nor have I received any paperwork or documentation verifying this supposed debt they say I owe. They unfairly without prior notice placed this amount on my credit report causing it to drop 108 points. They did not send me a right to dispute notice. I have received nothing from them at all! I want them to remove the entry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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 non-monetary relief
Consumer complaint received 2023-05-30
Company: Resurgent Capital Services L.P.
State: MD
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:
LVNV Funding, a Debt Buyer, bought this account from XXXX XXXX, and then placed the account on my credit report, while deleting the XXXX XXXX XXXX. By doing this, they deleted my history with this creditor. Ironically, THEY OWN XXXX XXXX also. This is false, misleading and misrepresentation at its worst! In addition, the account is over 4 years old, exceeding the state of Maryland 's statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TN
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:
List below are unauthorizedcredit pulls using my personal information XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2020-09-20
Company: CITIBANK, N.A.
State: NC
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:
I hope all is well ... 
The reason why Im writing is because my bill was a couple days late believing I had to pay {$580.00} because I called on the XXXX when my bill was due explaining I didnt have that much money to pay I was gon na have to borrow it from my mother or someone and it was gon na take a couple days for me to gathering that much money. I normally always pay on time before the pandemic. When I called on XXXX20 I spoke to a representative that advised that I could pay {$170.00} and will bring my account current so I told him to go ahead and take the payment. I wish I would of knew this on the XXXX and my payment would of been on time this is not my fault at all. I had one other later fee in XXXX that is when the Pandemic started because before all of this Im not ever late my hours have been cut on my job and at first I wasnt working at all. I feel the late fee should be taken off because I was not aware that I could pay a lesser amount on the XXXX because if I knew that it would been paid on time not my fault the representative advised that I had to pay {$580.00} to bring my account current and it is currently current with only paying {$170.00} by another representative telling me so Im getting different answers and thats not right at all. I have everything, screenshots, documented and recorded on my phone. Im XXXX  and I have had XXXX XXXX  back to back so I dont need the stress with this new XXXX and I cant afford the late fee with this pandemic. Thank you for your time. Have a wonderful day.

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 2021-01-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. XXXX  has received 90+ requests for these Nissan records in the past 188 days. Upon phoning XXXX XX/XX/21 XXXX 's agent XXXX employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these Nissan records XXXX verified existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!

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 2023-05-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company called and stated that I owed {$670.00} with an insurance company I've never been insured by or even owned the vehicle that they mentioned the caller called me out of my name and stated that he will make sure that i pay this debt because that is his job and this is how he gets paid he said he will leave a note on my account stating that I will pay this debt even though i never heard of this before until they called and that he will garnish any amount of money that comes into my checking and savings account he attempted to get my checking and savings account information over the phone. I never received a letter in regard to this debt and one of the agents told me that they paid the original company ( who they never mentioned ) to get my account because they promised that they will be able to collect the amount that is needed. They harass me every other day and it's bothering me. They keep telling me its an insurance company debt but I've been insured by the same insurance company since 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2018-04-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I noticed that on my account an unauthorized charge of {$150.00} was being sent to someone I didnt know through the app XXXX. I looked at the charge but I didnt know who this was. My information was hacked. I called my bank immediately and told them about this fraudulent charge and they said they would block the charges. I also told XXXX that I dont recognize this user and that my information had been compromised/ fraud. 
XXXX still paid the other person even though I told them it was fraud. I closed my XXXX account, but XXXX is still saying I owe them {$150.00} for chargers I never authorized. I have since change all my passwords because my email was also hacked. I will not be responsible for this charge due to criminals trying to steal money from account users. Shame on XXXX for not protecting their customers and not listeing when I told them in advance this is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: OH
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:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB XXXXortal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!

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 2020-09-20
Company: Experian Information Solutions Inc.
State: MS
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:
m suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Experian about 30 days ago. They haven't removed any of the fraudulent items 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 explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, 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/2018 I sent correspondence to Equifax along with copy of all up-to-date and current personal information ( driver 's license, utility bills, employment receipt, etc ) so they can remove all old, obsolete, and out dated info not connected to tradelines off my report and up-date with current info. I also inquired/informed them about the ( 5 ) five inquiries ( 3 from XXXX XXXX XXXX ; 1 from XXXX XXXX ; and 1 from XXXX XXXX XXXX ) that were made without my authorizing such and asking did they verify, or had a contract binding me and the company with my wet-ink signature in their possession to verify/validate information which they didn't. They are aware that I have been a victim of identity theft before and chose to ignore the problem as well as following the rules ( Sect 609 ( a ) ( 1 ) ( A ) and others set forth by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.

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 2022-10-29
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: General Motors Financial Company, Inc.
State: TX
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:
On XXXX XXXX, 2023 I send Notice for validation of debts. Pursuant 12 CFR 1006.34 On XXXX XXXX, 2023 the company request I send you additional information for this account # XXXX nothing in Fair Debt Collection Practices Act ( FDCPA ) says a consumer must send a debt collection company any proof of identification or information. 

they have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting inaccurate personal information names, addresses etc.

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

Complaint:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

Company response to consumer: Closed with explanation