BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2017, Bluebird American Express wrote me the attached letter stating that I was in violation of Section 22D with no explanation of what that was or gave me an opportunity to dispute. Today, I was told by a representative that it was regarding the disputes I filed or the fact I filed too many. I feel this an unethical company that discourages disputes from the customer. If I wanted to file a dispute over a charge, then it should be my right to find out where my money is going. There was one situation of two where I disputed a charge because the way the charge was named by the vendor was an unknown name which led me to believe that these charges were to be investigated. However, for these charges I emailed Bluebird when I realized and said I remember. Even yet, to suspend or close my account on this basis is nothing less than unethical. I was given no explanation nor was given an opportunity to dispute, which led to the situation I encountered today. I purchased another card, thinking the previous account was closed, and when I attempted to register this card, it wouldn't allow me to register with a {$500.00} balance on it, which I needed to take care of a very serious situation. I called Bluebird customer service and was given the run around, and the wrong information, I was told that I could withdraw from the ATM, which was wrong, and I drove to ATM, only to find out I could not do that without registering the card. I called Bluebird back and they were even more helpful, I talked to someone named XXXX in Account Protection Services and he was unable and unapologetically unable to resolve my situation. This representative also insisted that there were no headquarters or no entity I could file complaint with. I informed him that I was going to record him, he didn't agree and so I really did not record the conversation but he didn't want it recorded because he wasn't being truthful I suspect. Every company have someone they report to or higher than them. I wouldn't have had this problem with my current card if Bluebird had not unethically and unjustly suspended my previous card for no reason or without an explanation without my input or opportunity to dispute. That is evil and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.

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 2021-11-29
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XX/XX/XXXX. 
XX/XX/XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested. 
I filed a complaint with CFPB XX/XX/XXXX case XXXX CLOSED but have not receive any proof of debt or signed document by me that validates the debt and its been over 90days. 
Laws in 15 USC 1692 have been violated by the company 's actions and I demand all Remove all negative reports to all bureaus immediately! 
I will be looking to file suit and complaints with XXXX because my rights and livelihood has been affected by their actions

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 2021-07-05
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a letter from United Collection Bureau , INC XX/XX/XXXX I sent a debt validation letter via certified mail to UCB, INC XX/XX/XXXX I received a letter stating that XXXX the sister company of UCB, INC now owned the debt ( I was not sent any validation documents at that time ) XX/XX/XXXX I sent a default debt validation letter via certified mail to UCB, INC NO RESPONSE XX/XX/XXXX I sent out a second default debt validation letter via certified mail to UCB, INC NO REPONSE This organization is practicing unfair and deceptive debt collection acts by literally moving the alleged debt around between subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2017 XXXX XXXX University granted my request for tuition adjustment based on personal and health matters for the previous two semesters. ( Supporting Documentation will be attached ) I was told that the tuition for the two semesters would be credited to my account and i would however still owe whatever fees were accessed. XXXX XXXX ended up only crediting my account for one of the semesters and began sending me bills for the other semester. I spent hours on the phone with the bursar office who eventually told me they could not adjust my tuition and it needed to be paid in full. According to " XXXX '' from the Business office they were having trouble figuring out my files because they converted systems. XXXX XXXX then sent my bill to collections with Eastern Revenue INC. I explained to them my situation and scanned them my supporting documents. They contacted XXXX and were told I have to call to straighten it out. I did so and spoke with a gentleman by the name of XXXX again on XXXX at XXXX, who ultimately only apologized and said there is nothing he can do. Throughout the past two years I have sent them the letters and emails showing my grant for tuition reimbursement and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Transunion, I checked my personal credit report, which I acquired from your company in XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my current California Drivers License for verification.

Please Note : I have 2 home ( mailing ) addresses. One address is reflected on the top left corner of this letter. My other address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My drivers license has my XXXX XXXX address on it. My credit report reflects both my addresses. 
Thank you in advance. 
Very Respectfully, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: General Motors Financial Company, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GM Financial XXXX- This account has been paid and closed but the account is misreporting on my credit file and has yet to be updated. I have sent several demand letters to GM Financial and had heard NO response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: U.S. Auto Sales Inc.
State: SC
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:
U.S Auto sales allowed someone to get a car in my name with their company i have never had any dealings wit this company and i have never had any dealings with the address listed and its really affected my life in the worst way i cant buy a house or a new car because of this incident with this company and every time i call them to address the situation they tell me that they have no knowledge of the account but however the account is on my credit report and the balance is constantly going up as if the person still has the car in their possession. so it still shows open after this situation is supposed to show resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my experian credit report and noticed that there were multiple names, addresses and phone numbers on my credit report that did not belong to me, this appears to be either identity theft or someone else 's name, address and phone merged with my credit file. 

I wrote a letter in XX/XX/2021 and nobody has contacted me back, i called on XX/XX/2021 and spoke with a customer service person and was told i could not have someone elses names and address removed, because its experian policy.

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 2021-07-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: SYNCHRONY FINANCIAL
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:
I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX Syncb XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/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
Consumer complaint received 2021-01-05
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-05-06
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my XXXX credit report a debt to XXXX XXXX for {$1000.00} for services on an address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This is not my debt I have never lived in XXXX XXXX SC or anywhere in South Carolina nor have I ever given anyone permission to open an account in my name. When I disputed this charge with XXXX they told me to contact the collection of Amisher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX for a resolution. I have written to Amisher Collection Services but they have not given me the courtesy of a reply. Also XXXX said they could not remove the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

So I am asking that you have the XXXX XXXX debt and the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX removed from my credit report as neither of these things belong to me and should not be on my credit report. 

Thank you for you assistance in this most depressing matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint involves the company Diversified Consultants Inc. I am constantly being harassed and receiving phone calls almost every day in regards to collecting a debt that I do not owe. Diversified Consultants Inc. states that I owe a debt in regards to a cable debt. 

Diversified Consultants Inc. called me several times a day with different phone numbers, never leaving a voice mail, and I do not owe them any money, nor am I attached to any account that they deem is delinquent. 

I have received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on  : XX/XX/XXXX  at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX 

I am going to litigate if I continue to receive unsolicited phone calls from the Diversified Consultants Inc. and any variations of phone numbers that they are calling from. This is beyond absurd, and is extremely out of hand. 13 unsolicited phone calls in one month is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX, my debit card was compromised. Upon fraudulent activity, I canceled the card, before I received my new from XXXX XXXX, all my social security benefits were stolen. I'm XXXX and feel violated. I went on the Equifax impact site and learned my sensitive information was impacted. On XX/XX/XXXX, I was informed that I am on the XXXX data breach as well. My old email was breached and now I am at a lost for words. They even tried to change my home address. I became paranoid and afraid that someone knew my home address. My XXXX and XXXX was and still is unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged numerous overdraft fees. Sometimes twice on the same purchases.

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