BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Previous Case # XXXX - to be withdrawn American Express On XX/XX/2022, withdrew {$3800.00} without my permission. American Express increased my amount owed to {$11000.00}. I had only one charge {$300.00}. I am over-charged {$4200.00}. There were no other amounts charged by me ( only placed on my account by American Express ). Please read letter to explain further charges placed due to American Express worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.

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 2020-07-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Prior to Covid-19 we were in the process of refinancing one of our homes with Wells Fargo. We went through the application process and provided several documents as requested by the financial institution. This process continued for months to the point our file was extremely large and even had to resign a lock rate sheet to ensure our rate was locked in.

After Covid-19 happened Wells Fargo changed their policy regarding refinances for second homes. However a new credit inquiry was submitted on my credit. As a financial institution if you already know that you were going to deny me loan why would you rerun my credit? This practice is typically done prior to closing. I have requested the 2nd inquiry be removed off my credit. XXXX XXXX XXXX rejected this request with a ridiculous letter that explained how correct they were in their practice. 

As a large financial institution that is continuously in trouble for terrible business practices and continuously being fined I would think after reviewing my case and simply removing the inquiry would have been so much easier than a CFPB complaint. You have wasted several salaries between mine, the CFPB 's and your own employee that has to research and respond to this complaint. I would like the inquiry removed and a formal apology for the deception I was placed through for over 5 months during your refinance process. Learn how to be in touch with the community and the people you lend funds to.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-20
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to National Credit Systems several times on 2 different accounts pointing out that their reporting of this alleged debt on my credit report is inaccurate. National Credit Systems continues to report this inaccurate and unverifiable information. 
Account XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AZ
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 company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. XXXX XXXX refused to acknowledged my certified notice.. i have mailed, sent a cfpb Experian and XXXX complaint and they refuse to report accurate information on my consumer report.. XXXX XXXX  was removed from my XXXX and still remains to experian and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.

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 2022-08-13
Company: AMERICAN EXPRESS COMPANY
State: UT
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 canceled my card due to fraud ( a reacuring charge I never authorized and Amex was unable to stop it ) and 7 months later I got a bill for {$200.00}. That is complete junk. Great way to take advantage of XXXX veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-29
Company: UHG, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Before covid hit some time around XXXX I think it was summer, they were taking {$100.00} out of my account, this payment system happened for a few months 2-4. Then for some reason the payment stop taking from my account, not sure why. So I didn't think much of it, now my getting calls all the time, XX/XX/XXXX around XXXX XXXX that called my job to collect, luckily I answered the phone, I told them not to call my work again. XX/XX/XXXX I get a call on my cell this time at XXXX during my office 's covid testing time. I told them repeatedly I was at work, they kept me on the line. Not only did I get in trouble, they said they'll call my job again if I don't pick up the phone, the next day. In just 2 days my work life has been miserable, between my co-workers gossiping or bullying me about the calls, getting in trouble for the calls happening during work. Which is making my XXXX worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXXXXXX 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 2020-07-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's text me early this morning offering a settlement of 85 % against my outstanding balance of over {$3500.00}. I immediately, call XXXX to a take advantage of the offer. I spoke with the representative then calculated amount that was only much different than my calculations. I told them that 85 % would be much greater than the outstanding balance. She kept quoting the remaining balance of around {$2900.00} or so. After going back and forwards, I told her that I could send a screen shot of the offer which I did. My phone begin to act up and I had to restart it and the call was disconnected. I explained to them that the settlement was incorrect and that according to what I perceived the offer if 85 % was stated incorrectly, but they said it was not. File will not upload, but I can send in an email?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-23
Company: EQUIFAX, INC.
State: NY
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:
Accordance with the Fair Cradit Reporting Act : ACCOUNT NAME : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. ACCOUNT NAME : XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX. ACCOUT NAME : XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX, HAS VIOLATED MY RIGHTS. 

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 account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/21 certified receipt # XXXX and never received a reponse I sent the letter with my identification because equifax always lies and sends theres no record for me if they cant validate the account I feel they should adhere to the rule of fcra which is deletion of account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In getting pre-qualified for a mortgage loan and being denied for derogatory history shown on my report. I did not recognize any of the derogatory accounts and I realized someone had stolen my identity. As soon as possible I contacted the various financial companies that had granted credit in my name and one of them was XXXX Acct No XXXX ; as I explained the account was not mine, they opened an investigation which lasted over two months and at the end, according to investigator XXXX XXXX since the account reflected a couple of payments were initially made to this account and the account was in my name, I was still responsible for it. I explained to her that I never had an account with XXXX XXXX XXXX and believed it had been also opened fraudulently. I went to a XXXX XXXX XXXX Branch and spoke to XXXX, an assistant management who confirmed the alleged account, number XXXX had been opened in XXXX, AZ and it was now closed. I told her I had never been to that city in AZ nor had opened an account with them, XXXX suggested I opened an investigation which I did and is still in progress. After I found out about the XXXX XXXX XXXX account, I contacted XXXX, the investigator at XXXX XXXX, after multiple tries, I spoke to her briefly after multiple attempts and told her of my findings and asked them to conduct a more in-depth investigation on this account which they refused. I still do not understand how a line of credit for an amount close to {$100000.00} was granted so easily in my name when there were multiple red flags that suggested fraud as the thief provided a different address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) considering XXXX have had my information in their records for over 14 years I have had my checking and savings account with them for all this time which could have been crossed referenced and questioned it. XXXX XXXX made a big mistake and now they expect me to undo their mistake and in the meantime my credit record has been ruined and my mental and physical health is been detrimentally affected. All I am asking is for a throughout investigation be conducted by XXXX XXXX who created this mess by not conduction their due diligence at the time of granting the credit and who now expects me to fix it. Please help

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 2020-07-20
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The XXXX XXXX XXXX is not longer in business and cancelled its XXXX XXXX XXXX in XX/XX/XXXXof XXXX as the purchasing agency XXXX XXXX has their own XXXX XXXX account # XXXX. Almost a year of communication with XXXX XXXX resulted in them finally sending us more information on how to return the leased machine. We did so on XX/XX/XXXX via XXXX. We disputed any fees and verified that our written communication to end the lease was received as the new owner has NO liabilities on any previous service agreements/leases etc. When we finally closed the account with XX/XX/XXXXwe were told there was no fees due on XX/XX/XXXX Case # XXXX. The account was closed we were told. XXXX XXXX then referred the matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we were contacted by XXXX XXXX on XX/XX/XXXX for account # XXXX. We spoke with the woman and disputed the debt. We then mailed her a USPS letter and e-mailed her at XXXX on/after XX/XX/XXXX a dispute and do not contact letter under the Fair Debt Collections Practices Act. The woman emailed us back that our dispute was invalid. he has continued to contact us, a place of business, even though we told her not to. She did so on XX/XX/XXXX at XXXX XXXX  ; XX/XX/XXXX at XXXX XXXX  and today XX/XX/XXXX at XXXX XXXX. This is harassment and a clear disregard of the FDCPA and we are reporting today to you all for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Investigation took more than 30 days

Complaint:
I file a depute on XXXX to your company experian for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.

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 2020-04-30
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I sent a letter into XXXX regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on that bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: NJ
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent letter to Experian regarding account from XXXX XXXX  as you can see its well pass 30 days and Ive not received a response. Attach is a letter I sent and copy of certified receipt. Certified mail receipt # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation