BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
looking to purchase a home and I noticed inaccurate and fraudulent information on my credit report. i have asked each credit bureau to remove all information not belonging to me and or not authorized by me and the information is still within my report, with no such verification and or documentation granting authorization by me. I am hereby asking each credit bureau to remove all inquiries and all negative reporting info that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
American Express has long been in the esteem of its millions of card members, not to mention mine as well. 
American Express has globalized and things have changed ; no longer is it important for AE to keep their promises, and honor their word. Their new singular oath is to profit, at all costs apparently. 
On or about XX/XX/XXXX, American Express solicited me with an inducement if my business met certain spending levels. By XX/XX/XXXX,  the business exceeded the spending levels, and AE refused to keep its promise and dishonored themselves. AE read the transcripts of our phone conversations, and despite hearing their own agents make those same promises, they decided that AE would be better served by not keeping to the agreement. 
American Express then took retaliatory action against every single account that my business has with AE after I complained about their disreputable practices. American Express has severely damaged our 16 year business relationship through their new disingenuous global schemes. 
I never thought that American Express would lower its standards to that of the XXXX XXXX. Buyer Beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: PNC Bank N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called PNC last week and disputed a transaction for {$92.00} dated XX/XX/2023. So far there have been no issues with the dispute piece. However, I specifically asked to not append a Compliance Condition Code ( CCC ) to my account and to not have the CCC reported. Then, on XXXX, PNC furnished an XXXX-related CCC pertaining to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit 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 2020-10-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has a practice of stating a loan is past due on the due date. This practice results in the next monthly payment being added to the amount due and records the " on time '' payment a day later, as if it was late. This also cause confusion and anxiety when you knowingly pay your bills early or on the due date and you open the website to find that it says you are past due and owe double. For example, I have 2 loans due on the XXXX of the month, and if I enter to pay on the XXXX of the month ( I do this before noon so there is no doubt that it was early enough to not be the end of a business day and to account for different time zones ), my statement says my loans are past due and the amount due is double. Further, when I make the payment, it posts the payment the next day, as if I was late making the payment. If a payment is due on the XXXX and paid on the XXXX, it is not and can not be a late payment. If a payment is due on the XXXX, it can not be late until the XXXX. I have reached out to Navient and asked them to stop this practice as it is deceitful and anxiety causing. Navient 's response was to say the payment and posting of the payment must be on the XXXX. Navient decides when the posting happens, in spite of making the payment early on the XXXX ( before noon ). Navient 's response does not address why the live website states the payment is late on the day it is due. And, even if paid on the due date, the payment will not post until Navient decides to post it. Therefore, even if a borrower pays on the due date, Navient will post on a different date, which gives the appearance of the payment being late. Also, stating that a payment is late on the due date and showing the current and next month 's payments as " Due '' results in many borrows believing they owe double for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is a lot of incorrect personal information on my credit 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 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my rights are being violated under 15 U.S. Code 1681c-2 and 15 U.S Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.

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 2018-08-29
Company: EQUIFAX, INC.
State: TN
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX  XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX : XXXX XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX  XXXX XXXX   XXXX  : ( XXXX XXXX : XXXX ) XXXX XXXX Equifax : XXXX XXXX : XXXX. XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( Equifax : XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX/XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Genesis FS Card Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-CB Indigo/ GF was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXXXXXX  XXXX  XXXX  of {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I submitted a second complaint against TransWorld Systems. This will be my third and final complaint with the CFPB and the next step will be seeing them in court with my lawyer, filing a complaint with the GA State Attorney General and holding a public press release. 
I have attached their response which they replied to my last complaint and the continue submitting the same information, which is a contract that was signed with XXXX XXXX XXXX. This does not answer the questions which I demanded of them and up to now, they are still validating this debt and I have a RIGHT to get a response on my questions, since they are destroying my credit worthiness without valid proof. If they can read, which up to now it does not seem that they can, I will post my questions here once again. If they can not read my full statement and reply accordingly and legally, then I will see if they can understand my lawyer 's lingo instead in court. I do plan of bringing FULL charges against them in my state as well as theirs if this matter is not immediately resolved and this debt is not immediately deleted from my credit reports. 

Here is what I am requesting for the third and final time. And just to let you know, I have records of EVERY attempt I have made with them in writing, which includes false statements they have placed on my credit reportings. No other agency is reporting false information on this account, except for TransWorld Systems, which I have clear evidence of on my credit reports. 

Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today, I received a Civil Court Summons from the law firm Forster & Garbus LLP ATTY for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which Forster & Garbus posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I was approved for an American Express ( Delta SkyMiles ) credit card. 

On XX/XX/XXXX, I received an email from this AmEx credit card offering a bonus miles promotion if I opened additional cards for family ( aged 13+ ). The online form to add a card member under did not ask for any info except for the name of the new card member. I only entered my son 's name. Other fields were all optional ( email, SSN, DOB ) so I did not provide any other information. ( See pdf screen shots. ) The card request was approved and I received the credit card for my teenager son in XX/XX/XXXX. 

Then I get a notice from my ex-husband that he has access to this new AmEx credit card. He can see the account on his XXXX  credit report. He knows the balance, due date and account info. Please note that I have been divorced for over 5 years. I have no credit cards with my ex-husband. Somehow AmEx accessed my personal information, violated my privacy, and breached security. 

When I called American Express, they transferred me to their AmEx credit bureau. On XX/XX/XXXX, I spoke with XXXX XXXX ( service rep from XXXX XXXX, XXXX ) who said he could not help me because it's not my credit report. That my ex-husband would have to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: M.A.R.S., Inc.
State: OK
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 trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Contacted LexiNexis to dispute inacurate information that was obtained from a denial of insurance services and to get a copy of my consumer file and Opt out. LexisNexis sent a response letter stating that thery were " unable grant my request '' and refused to send me an up to date consumer file or dispute any of the inaccurate information or opt out of their file discloure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: Nations Recovery Center
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
OnXX/XX/XXXX, I received a phone call from a man saying his name was XXXX XXXX from Nations Recovery Center. He said there was a judgment against me, and to contact him to set up payments. He tried to say that this was not the first time that he had contacted me, but i have received no letters, no voicemails, and there are no judgments against me showing on my credit report. As far as I know, there was no attempt ever made to contact me about money owed. He said that they were trying to resolve this as privately as possible, but if i didn'r respond, then it would complicate things. To me, this sounds like a threat to release my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Assetxare LLC has been putting erroneous charges on my credit report. They attempted to do this twice before and it was removed from my credit report. They recently attempted again to put a {$2900.00} charge on my credit report and this time it was not removed from my credit report. Mind you XXXX  has removed all of these from my credit report!! If this does not get removed immediately I will be seeking legal counsel for help!! This is unacceptable business practices. It is called harassment and I have no knowledge whatsoever in regards to these accounts. I have not received any correspondence from this company.Last year I went as far as freezing my credit report so these disgusting companies could not harm my credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX Rewards XXXX # XXXX issued by Elan Financial Services. 

I have filed a dispute on one of the charges on my credit card. The charge is as follows : Merchant : XXXX XXXX IL Transaction Date : XX/XX/2020 Posting Date : XX/XX/2020 The purchase was for a digital product, that I was supposed to receive within 24 hours after the purchase via email. The product, however, was never received. I tried contacting the merchant using the provided email address XXXX for a refund or the product itself, however, I never received a response. I opened a dispute with the bank regarding this charge, the bank gave me provisional credit and then reversed it, since I had to fill some paperwork which I never received in the mail. I finally got the paperwork after they had already reversed the credit on my account and sent it back to the bank, requesting the dispute to be reopened. However, I am not hearing a clear answer regarding this charge, every time I contact customer service. And no new credit is being posted onto my account. Please assist.

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 2023-05-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There is a discrepancy of a late payment for my XXXX account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for Equifax, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and Equifax, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I check my credit score a few times a week. Only have XXXX credit cards ( XXXX and XXXX ). And make my payments every month. Then I saw comenity capital bank/bed ; I googled it and it was for bed bath and beyond which is not even in our town. I closed the account through credit karma. However there is still a balance and damage to my credit score. Im going to try and call them and see if I can pay it, and find out how this happened. But i want this to not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
XXXX XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/2020 Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button

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 2019-01-21
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
First, the company changed it's name and reporting my account beyond the 7 years.

Second, have several accounts with remarks as closed unauthorized.

Duplicate accounts reported.

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