BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Well more then 7 years these people from XXXX XXXX have been hunting me down. They affected my credit more then 7 years ago and ever since then have been trying to add themselves to my credit with different collection agencies they sell the collection to. Now they are affecting my credit for so long even while I told them many years ago that if I did recognize this collection everything was already paid off but this is getting out of hand. Now they sold this account to another collection agency and they are affecting my credit under the company name of VANCE AND HUFFMAN LLC. And are lying and saying that this collection was opened in XX/XX/2019 for the amount of XXXX which is totally inaccurate. This company has been hunting me down and now affecting my credit and all of this is stressing me out and I need someone to help me and find an ending to all of this. This is not the first time that I contact XXXX  and the other credit reporting agencies about this and now this account under a new collection agency is trying to make false allegations with false dates to have me pay for something I did already and putting something on my credit that was already erased more then 7 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
I applied for a credit increase with American Express. After applying AMEX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that AMEX XXXX pull and they advised they did not show the information that AMEX had on file. 

I then called AMEX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by AMEX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to AMEX. 

It is my belief that AMEX is using outdated files when pulling credit reports of clients. I reached out to both XXXX, XXXX, and XXXX XXXX regarding the information AMEX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how AMEX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from AMEX or from the credit reporting agency that my credit was pulled by AMEX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by AMEX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

AMEX advised me they used reports from XXXX and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by AMEX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
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 status incorrect

Complaint:
I have disputed erroneous information with the credit bureaus and only Equifax has made a reasonable attempt to correct the information. XXXX  won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the sole beneficiary of Trust ( account ). 

Letters were sent dated XX/XX/2020 and XX/XX/2020 were sent to Transworld Systems Inc. ( Trustee ) in response to notices sent to me from Transworld Systems Inc. ( Trustee ) and more importantly, due to Transworld Systems Inc. ( Trustee ) erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed, and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that their offices provide me with competent evidence that I have any legal obligation to pay them. Please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they say I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I will also inform them that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character It is apparent that either : 1. They are acting on the presumption that some relationship that they may have with the original creditor, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with the original creditor, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to them inasmuch as I am unaware of any contractual relationship between us ; or 2. They have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to the original creditor, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

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 2018-01-31
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. 

XX/XX/XXXX.18, I contacted both companies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion refuses to update/remove inaccurate information from my credit report. They are reporting late payments on accounts that I have never paid late. They are reporting accounts that are not mine and they refuse to show me any form of methods of verification.

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 2020-04-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am in need of help. I am on unemployment due to COVID-19 since XX/XX/2020. My first UI payment was a paper check ; the remaider payments will be a RELIA CARD deposit with USBank. 
My relia card did not arrive in the mail. I do not have access to my 16 digit card number, which is required to get usbank help. 
I was on the USBank telephone hold for EIGHT HOURS yesterday and many more hours throughout last week. I have photographic documentation of the time I waited to speak to someone. 
I'm really desperate for the $ 2000+ that the govt has deposited into a reliacard account to help me. Now someone from USBank needs to help me get my card ASAP. 
I have written the XX/XX/XXXXto bring USBank 's issues to the public. i hope this complaint will do the same. 
Again, without a card there is no 16 digit account number to work with.

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 2021-10-25
Company: CITIBANK, N.A.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
My billfold stolen XX/XX/21 at XXXX XXXX, XXXX, NV. I immediately called the XXXX police and filed a report ( XXXX ), then I contacted all the credit cards that I could recall were in my billfold, as well as contacting my two financial institutions. There were charges attempted and a few successfully with my cards. Macys is the only card I am continuing to get threats, payment requests, and continuous phone calls. I have written and called Macys and received a letter that the issue was resolved, and there was theft/fraud.

I do not understand why I am continuously asked to pay for something I did not Purchase, I have sent several payments because I have been told I will be reported to all three credit agencies.

I have never activated a replacement card which Macys sent me, yet the charges on the stolen card were transferred to this new account. I have repeatedly requested all monthly statements to date from Macys, and so far have received none. I am at my wits end, I dont want to continue to pay for a theft from me. Please advise what I can do next to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent XXXX + XXXX to a counter top business that utilizes cash app. The next day I sent the remainder balance for a total of XXXX XXXX the business never supplied material for home I contacted authorities andthe detective on my case has filed a felony charge against the individual XXXX XXXX. I contacted cash app and supplied police report contract as well as my bank and my funds since have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
at the end of XXXX around the 25 USAA started putting money into my account for some unknown reason claiming it was due to fraud. On XXXX sixth the took two recovery amounts out of my account one being for XXXX the other for XXXX causing my account to be in the negative for a total of XXXX they will not say why other than it is due to a fraud case that I did not file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

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 2018-11-11
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2018 I received a letter from FBCS , Inc stating I owed a debt to XXXX, after sending them a letter to request verification of the debt around the first week in XXXX I recieved a reply letter and a copy of a bill, Nothing verifying my identity or anything much except a bill and my name isn't even correct on it nor is the address and both letters have 2 different amounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX  fraud inquiries from XXXX XX/XX/XXXX XXXX XXXX on dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX also transunion has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  XXXX and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX these all need to be deleted

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 2018-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I called into XXXX AND XXXX and XXXX XXXX department to cancel my membership and its been little over a year and they haven't canceled it and the creditors keep saying it locked on there end and i need to contact equifax which i did and they told me there is a credit lock and i told them to remove it and there is a computer glitch on there end and my credit lock is unable to be unlock and i called like 8 times to get this resolved and i never heard back from equifax/XXXX and XXXX  and XXXX XXXX and my credit is still lock

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had countless problems with my loan company. To begin with, I was never contacted by the company after my grace period had ended. Around 6 months later, they finally contacted my father. At this point, my loans were completely delinquent. This slip up RUINED my credit score. I couldn't do anything. I couldn't buy a car on my own. This had dropped my, previously acceptable, credit score into the 400s and I was told they couldn't do anything about it. As if that wasn't enough, several years they did it to me again! I apparently had another secret 9,000 - 10,000 dollar loan that I didn't know I had. So now, on top of my already monumental student debt, I have ANOTHER loan that I'm not entirely sure where it came from. Again, they sent all this information to my father without ever even contacting me. I can not stand this company. My struggles have been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX 2020 I submitted a form to refine my house and get an equity loan with JPMorgan Chase Bank XXXX A representative talked with me and explained all of the conditions, a week later I was told they changed the requirements, the needed me to have a higher credit score. I waited 3 months to resubmit the application and XX/XX/2020 I resubmitted the application because I had more points than needed to refine and other requirements. The representative told me I needed 12 months of payments of mortgage. All of the requirements I was told about, I had. One week later, I was called and they told me I dont meet the requirements, then she raised the amount of money that is required to be in the bank. My second application was not accepted. Ive tried to talk with more representatives of JP Morgan and the requirements that they say are necessary, I already have. I feel like the bank is playing with my credit at this point. I honestly need a firm answer because each representative seems to have their own requirements for credit. I just need a rigid answer because theyll add barriers as soon as I completed all of the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: TX
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:
I have been the victim of fraud. Citibank, over 3 months, have finally decided they agree with me, but have stated it has been too long to reverse the charges. I submit that their lack of timely communication, and lack of communication at all, have contributed to the fact the dispute has taken 3 months to resolve, and that I should get my charges reversed. I have dozens of documents that show my story with timeline of events.

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