BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: MI
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:
This is part two of a complaint that was sent in last nigh. First of all I want to let Experian know that I could not go back to my complaints and fix the spelling errors. I apologize I'm at the library and they closed on me with new hours I didn't know about. 

I am asking Experian to fix those things on my credit report that was mailed in XX/XX/2019. I received a letter stating all hard inquires would be adjusted within 60 days. Nothing has happened except I keep getting letters after the one you said you were fixing my report to stating that I need to send in Bank Statements, Id and other proof. I wrote back to you and told you that after I reviewed everything I sent that my banking statements, my Identification and the police reports I sent all identity who I am.

I asked Experian to report my my credit cards ending and XXXX and XXXX  to be reported separately.

I also, asked that Experian stop reporting my credit cards as new accounts since I have had them both over 2 years with no proper reporting. I asked that Experian report my good standing properly as XXXX  has accomplished and XXXX also has done so. My new score with XXXX is outstanding and XXXX will reporting my new numbers shortly.

I asked that no credit freezes or fraud alerts be added to my report as I referenced in my XX/XX/2019 documentation. I also asked that XXXX. XXXX be taken off my report I am not a XXXX. I'm at the library as I said and just uploaded colorful Id of myself to go along with the pages of documentation I already gave you in XX/XX/2019.

In another letter that was sent to me it stated that you needed banking statements, you need proof of Id and utility bill. I worked my XXXX  of while I am in critical condition for several major surgeries and due to go back in the hospital. My last hospital stay was for XXXX in which I spent 17 days in XXXX and lingered on my death bed for several weeks. I would appreciate it if my file can be fixed the right way. That Experian will show my credit score as the other two agencies have done. I am XXXX  years old and I have had my credit file from the 1970 's. Again my credit cards have been reporting for 2 years and that's what it should show now.

I also just uploaded more identification in color to go along with what I already sent Best Regards, 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 2022-09-03
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My American Express bluebird card expired on XX/XX/XXXX and I did not inform them of change of address. My fault. Called XX/XX/XXXX to give new address and order replacement card. Was told if I paid {$20.00} they would send by XXXX. Took {$20.00} out and card never came. Called XX/XX/XXXX was told they would send it USPS Called on XXXX they said it was never processed, needed to be validated and they then said they validated it. Called on the XXXX to check and was told it was processed and I would receive it before the XXXX. Never came. Called on XXXX nd they said it needed to be documented. Emailed picture of drivers licence. On XXXX got an email saying they received picture and it was valid wait 24 hrs and would receive it in 7 to 10 days all this time talked to XXXX and XXXX. Lied to and hung up on many times. Would receive email from AMEX many times saying my email address has been updated then recieved email saying it needed to be updated. Called corporate number and got operater who could not help but said she would connect me to USA rep but got XXXX  again Called back said she would guarantee USA. Lied, XXXX again. She gave me Chairman email address. Wrote long complaint and they said they would respond in 4 days. 8 days later got a call from North Carolina number by american who said she was from AMEX. Was estatic only to realize it was scam. I get my Social Security deposit on my Amex card and it has been frozen for a month. Can't pay rent or bills. They have frozen my money then refuse to comunicate with me I've been lied to numerous times by people from XXXX XXXX and AMEX. I'm XXXX yrs old and have never experienced anything like this. They have frozen my money and refuse to talk or comunicate with me. Pleaser help I'm desperate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
In XX/XX/2016 I filed numerous disputes with chase auto finance, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX & XXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00}

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 2019-04-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall have contact these companies multiple time & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies

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 2022-09-03
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
During the last week of XXXX maybe before American Express claimed I was pre-approved for a business credit card. My business name is XXXX XXXX XXXX i applied feeling as if i was going to get it. I was denied. It took my credit score down about 70 points or more and I was trying to build my credit so I could purchase a home. That's a real setback and I want to sue them let them buy me a house. My social is XXXX. XXXX XXXX XXXX XXXX MS XXXX. They gave ma an RSVP number and everything. I am disappointed because ain't no telling how long it's gon na take to get it back up. XXXX is my phone number in case you would like to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Cascade Capital, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a paydayloan from XXXX XXXX in XXXX in XXXX. I then relocated to XXXX XXXX. I somehow found out or remembered the loan, therefore, I went to the lender and paid it off with cash. A few years later I needed a new paydayloan in XXXX XXXX. I was turned down due to the paydayloan from XXXX XXXX, I know this because teller gave me a number for the Indiana data base and they discussed the matter with me. I was very appalled, the told me to reach out to XXXX XXXX. When I spoke with the teller she said she would investigate and call me back. She never did. I called back a few weeks later and the same missed opportunity to assist me occured. I let it go ... .until I needed a payday loan again. Plz help XXXX XXXX no longer has an institution that receives incoming phone calls. Even the place that I made my payment is no longer physically active.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was travelling and landed in another city trying to make a purchase there but credit card stopped working. I saw in my app that the bank was telling me there was a suspicious activity on my card and devices would be limited asking me to call them. 

I did call the bank. They said that only way they could verify my identity was to send me a letter on physical account which would take 5-7 business days ; then if use info included in this letter and call the bank to fix the issue. There was no means for me to verify myself such as going to a nearby bank or receiving a text over mobile or sending the exact same info on my email address. The bank verified me through other means though that it was me ( security questions and the similar ). 

This had created issues for me ; what if I dont have another credit card or balance on my debit card - how can I make purchases? This is amplified in light of the fact that Im traveling and it takes 5-7 business working days for letter to arrive on my home address. 

Even worse now - letter never came even after 10 business working days since then which is today. Im calling the bank today and theyre telling me that they will send another letter now which will take another 5-7 business days. Im asking if they can verify my home address and Im happy to give them my address but they say no, they cant take this info ( in my account though I see that the address is correct ). 

Im really concerned that even second letter wont come to my mail and then I dont really know what to do ; Im asking once again what if I can go to bank which is next to my home and verify myself but then they say no. 

This means I might not be able to ever use my credit card that I pay XXXX dollar annual fees for ( I already paid for it when I signed up for it ). Additionally, I was supposed to receive 80,000 reward points if I would spend XXXX dollars within 4 months. So far it has been sprung 2 weeks that I cant use my card and not sure if this second letter spent will ever arrive to my address to I can XXXX myself and redirect my credit card. That means I might not even qualify for reward points either. But once again, even worse is I pay for credit card annual fees but I cant get the advice. 

Please advise and help. It is Citi Bank that is the issue, they really need to twirl their processes otherwise customers are harmed here like me who pay XXXX or credit card fees and receive no service in exchange and its unclear if I ever manage to continue using my service.

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 2021-09-10
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: Account information incorrect

Complaint:
I am requesting immediate deletion of the following account : XXXX XXXX  Acct # XXXX I have disputed this account many times disputing the accuracy of this account. Each time that I have disputed the account comes back as verified. It is CLEAR this account has not been accurately verified as each time the account is disputed the balance changes. As of reporting on XX/XX/XXXX, the balance listed on my credit report for this account is {$1200.00}. The next credit report pulled on XX/XX/XXXX, lists a balance of {$1200.00}. Im not sure how the balance can decrease on a closed account and no payment has been submitted. The report on XX/XX/XXXX, not has the balance as {$1400.00}. That is a pretty big increase. The next change in the amount for the account comes on XX/XX/XXXX, with the balance now being listed as {$940.00}. That is now a pretty big drop for an account that has not been paid on. How can this account indeed be verified with such inconsistency with the balance? It is my right for fair and accurate information to be reporting on my credit report. This is neither fair NOR accurate and after several attempts at disputing I am now requesting immediate deletion of this account. 
Thank you, XXXX XXXX Attached : Proof of the balance changes on the account listed with 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 explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on XX/XX/XXXX I notified Transunion that there are unauthorized and unverifiable information being reported to my consumer report, I have to give Transunion written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon. In light of the recent investigations brought upon Transunion Ive found that my consumer file has been tampered with. Transunion have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. Transunion is continuous reporting unverified accounts on my consumer report. XXXX did the right thing by removing the inaccurate, unverified information from my report once they saw it was violation of my consumer rights, Transunion is still reporting this information which does not line up with my other Consumer reports. For the past 2 year I have made several attempts to remind Transunion of their duty to uphold the law, my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Transunion Certified documents under the penalties of perjury to support my claims. Transunion has infringed upon my basic consumer rights. It is their responsibility to make sure all information is accurate and in perimeters of the law. Transunion is continuing to ruin my reputation. It's unfair that i'm not able to support myself due to the things that being reported to my consumer report. Credit Reporting is voluntary and always has been according to the FCRA.

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 2022-09-03
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 ALL NEGATIVE ACCOUNTS LISTED BELOW 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two checks were deposited into my wells Fargo checking account on the XX/XX/XXXX from a loan company one for {$700.00} and, one for {$700.00} that were counterfeit causing my account to go negative.I talked to fraud department at wells Fargo got a case # as well they said I would receive info from them sent out in the mail.weeks go by and, nothing is received so I go into my local wells Fargo branch and speak with the branch manager who informs me they do not have my case # on file.Nothing was filed.and they assure me that they will get to the bottom of the situation.and I will receive something in the mail informing me of their decision about 2 weeks later I receive an email informing me that my account is over {$1500.00} overdrawn and they are closing my account that I have had over 4 years never did they research the fraudulent checks or keep me in the loop I had two different case numbers and never received any info.now my account has gone into collection and my credit scores are messed up its been really stressful how can they legally a sure someone they will research or investigate the fraudulent check and, do absolutely nothing leaving me to pick up the pieces.

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 2018-11-26
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: Was not notified of investigation status or results

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX # XXXX 3.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 2018-05-19
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXXa mastercard was closed by XXXX XXXX. i spoke with employee XXXX XXXX said that he could only file a comment. he read off that a reporting agency transunion is reporting that i have to many inquirys ( 1 from XXXX XXXX ) my credit score ( XXXX ) usage and balance of the card ( {$0.00} ) were all factors of closing my account, i was told that the card was not a department store card i could use it anywhere. 
Account opened XX/XX/XXXX closed XX/XX/XXXX even tho i did not choose to close this account. 

the rep i spoke with really did not give even after i mentioned that this is an fcra violation. i asked if some one would follow up? he mentioned that this was just be documented for back office.

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