BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had a transaction on XX/XX/2020 in the amount of {$51.00}. The merchant agreed to refund the charge. The refund never was applied to my account. I had no choice but to file a dispute. I provided a copy of the merchants email stating they will refund my money. Comdata told me I must wait the 5-7 days. I waited the 7 days. I was told by comdata to file another dispute again. Now I have waited more than 10 business days. Comdata supplied me an email stating they have posted the {$51.00} provisional credit today. They never did post that to my account. They flat out maliciously lied and are trying to test my knowledge. They are very un compassionate and rude in this regards. Now they are telling me I need to file another dispute ( which would be the 3rd time for this same transaction ) I will attach emails from Comdata

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter was in an accident and had an emergency room visit on XX/XX/XXXX. After my insurance pad their part I was left owing {$380.00}. I paid this with my XXXX card directed the payment from my XXXX website XX/XX/XXXX the payment was made directly to the provider XXXX XXXX XXXX XXXX XXXX and the payment cleared with my XXXX provider on XX/XX/XXXX. I received a collection notice from XXXX XX/XX/XXXX. I emailed them with proof of the cleared payment and also Called and spoke with XXXX on XX/XX/XXXX who confirmed they received the information and were waiting for the dispute process to clear. XX/XX/XXXX I received ANOTHER collection notice from XXXX. I have emailed them again with the same information that had me provide them previously. This is ridiculous that I have to continue this same communication with them to protect my credit when they have BEEN paid for almost 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: AMERICAN EXPRESS COMPANY
State: CA
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 account is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, American Express is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Experian Information Solutions Inc.
State: NY
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 have checked my report every week I notice last year that Experian had 2 accounts with false information on it just happen to be from XXXX which is XXXX, XXXX, and others however my problem was I had a bankruptcy discharged in XX/XX/XXXX which by law supposed to stop all creditors from making any credit report updates all is on cease and desist. With that being said we are in XX/XX/XXXX and almost XX/XX/XXXX I am still getting these companied reporting I failed to make payment in XX/XX/XXXX. Now you tell me how that makes sense when it was discharged inXX/XX/XXXX? I have contacted these companies and the reporting agency they fixed it last year but only when they were forced to by the Attorney General, I filed a complaint with the A/G and what do you know 5 days latter it was fixed. Now a year latter they are playing the same game knocking my credit score back down again. Their nis a law passed protecting people like me called the FCRA and gives me the power to prove and sue any reporting agency from reporting in accurate information. I think I have went above and beyond to try to fix the problem and they just slapped me in the face putting it back on as false inaccurate information so at this time, I am seeking suit as it is my right to do so. I want these companies held accountable as the State law shows that I can I even tried to fix the problem and the proof speaks for it self. I am seeking damages at this time and want the company in court. NOTE : They also make it impossible to file another error to your report because they state you have already done this even if you have new information, this is a loophole they are using and is ILLEGAL. As per he Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2021-05-21
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I my additional payment of {$250.00} made on XX/XX/2021 shows to have been reversed on the ledger, however, it hasn't been retroactively back dated to the proper balance or daily interest rate I should be charged since XX/XX/2021. I've submitted my snap shots from XX/XX/2021 and this morning XX/XX/2021. 
The lack of integrity is astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Earnest Inc.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was pre-qualified for a loan from this company in the amount of {$110000.00} on XX/XX/2023, for a XXXX fixed paying {$1000.00} per month. Once prequalified, I submitted an official application and officially approved for the XXXX fixed previously mentioned. I proceeded to finish the application process until I reached the page where I choose my loan. On this page I was only allowed to choose a XXXX fixed at a much higher monthly payment. I stopped and called the company on XX/XX/2023 to get the rate that I was approved for. 

When bringing this to the associate 's attention he acknowledged that this was an ongoing issue with their online system and that he could see my XXXX fixed on his system. But I could not access it on my end. I was told that I should wait to see if the system updates on its own. The associate also told me that he would work on his side and everything should be resolved in a couple of days. I received no follow-ups and no resolution by XX/XX/2023 so I emailed the associate who I was working with and told him I would be submitting a complaint to the CFPB. No response. 

I had to call the company on XX/XX/2023 to receive a follow-up. They told me the same thing that I needed to wait for the system to update and that they will work on their end. I waited until XX/XX/2023 before emailing again and reiterating my frustrations and that I will be submitting a complaint. No response. 

At this point I had to go with a loan that I did not desire because my credit had already been pulled and the due dates for my XXXX loans is approaching. Now, I may not get the funds in time and will have to make a higher payment than I planned for this month because this company did not abide by what they approved me for. They did not resolve the issue after submitted two formal complaints and have caused me financial hardship in a time that I can not afford it. 

This is deceptive and predatory. Complete lack of competence and consideration for customers. I will be following up with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
transworld systems is trying to collect money without telling me what company, date or what I bought file # XXXX. I always pay bills so this is suspicious

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
My Freedom Chase card was closed without my consent, which harmed my credit score greatly. I tried to call them back to re-open the account and they said no. 

Once they decided to close it there was nothing I could do because they gave me no other options. 

This card was my oldest card and now it appears that I practically have no credit history, which is false. 

I just really want this card reopened because I plan to purchase a home but with my current FICO score it is going to be more difficult for me. 

I have attached a statement of the credit card that I am referring to below. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have unsubscribed from all marketing and commercial emails from XXXX. However, they sent me a commercial email today with no option to unsubscribe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 have submitted multiply request asking them to remove XXXX XXXX they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted dispute leters to XXXX via mail on XXXX. I have the proof of mailing on XXXX. 
Today XX/XX/XXXX i received a letter stating that the timeframe for response was extended by 15 days due to additional information regarding the dispute being received. The letter states that my original submission was received on XXXX and additional information from me was received on XX/XX/XXXX. As the proof of mailing proves it is not possible that the original mailing was received on XXXX. Moreover, I did not send any additional evidence regarding the dispute. As such, the timeframe to complete this investigation can not be extended by 15 days, and should be completed by 30 days as required by law. 
This same correspondence stated that the proof of address that I sent was inadequate. However based on the list of documents that can be sent, my information was in fact adequate. I sent a copy of my ID and a untility bill dated XX/XX/XXXX - both have the same address, and the utility bill is within 2 month of the mailing date as required. 
I called transunion today and spoke to XXXX. My call was at XXXX. While the representative told me to disregard the extension, she stated that she could not get me anything in writing stating that the timeframe was in fact NOT extended. As such I am contacting this agency regarding the matter to hold transunon accountable to the 30 day timeframe - as they have no grounds to extend investigation by 15 days.

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 2023-02-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX CARD : # XXXX, Account name : XXXX # XXXX, Account name : XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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 have repeatedly dispute this inaccurate account with Equifax, but still, Equifax continues to report false information about XXXX XXXX XXXX XXXX account. The account was paid off and closed on XX/XX/XXXX ; not XX/XX/XXXX. The account was not XXXX past due in XX/XX/XXXX nor XX/XX/XXXX. If the account was past due, XXXX XXXX XXXX XXXX would have notified me in writing, per the Fair Credit Reporting Act 15 U.S.C. 1681 section 623 subsections ( 7 ) ( A ) ( i ), but no such notice was sent to my home mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
The original owner was XXXX XXXX  sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx 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 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my 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 2018-09-02
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/2018, Pay Pal has been holding my money while purporting that other accounts belong to me. I have demanded that Pay Pal, Inc. validate their claim of this alleged debt and Pay Pal, Inc. has met this demand with dishonor.

Pay Pal, Inc. has admitted that one account does not belong to me and was in fact identity theft. Neither of these alleged debts have been validated and it is now XX/XX/2018, while Pay Pal, Inc. is still withholding {$240.00} from me.

This is a direct violation of the FDCPA ( federal law ) in which Pay Pal, Inc. is subject thereto. I hereby demand that Pay Pal, Inc. return my money immediately. If Pay Pal, Inc. wishes to no longer do business, they should issue a check for my funds and close the account since Pay Pal, Inc. has not validated this claim after having more than 6 months to do so, while the law ONLY permits 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have been using American Express Serve for a while and I have never for ones violated the agreement or policy of the bank. But I tried logging into my American Serve account ( XXXX ) on XXXX XX/XX/2020 and I was prompt with a login error. I called the American Express customer care representative immediately and I was told my account is permanently closed due to the {$1000.00} that got into my account through direct deposit and the money is been returned back to the sender. It was a refund done by American Express to one of my family member and it is now returned back to American Express again just after he signed an agreement to get the money sent into my American Express account. Permanently closing my account because of a direct deposit of {$1000.00} done into account is wickedness, and the customer care claimed my account is permanently closed and nothing can be done about it, whereas the money is also returned back to American Express. This money is not mine, and it is meant to get to the owner. I can't be {$1000.00} indebt in this present time of hardship here in the US, the person in question is unemployed due to a XXXX  XXXX condition, and I'm retired. Please, kindly get the money back so that the owner can kindly have his money. Even though my American Express Serve Account remains locked, I don't care ... just get the money back to me. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: IA
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 HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX FROM XX/XX/1999 THAT KEEPS APPEARING ON MY CREDIT REPORT, THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY FROM 15 YEARS AGO. THIS DEBT WAS DISCHARGED EQUIFAX KEEPS HAVING THIS INFORMATION RE-APPEAR ON MY CREDIT FILE, IT WAS IN BANKRUPTCY AND ITS WAY PAST THE TIME THAT ANY DEROGATORY ACCOUNTS SHOULD BE LISTED ON THE CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NY
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 explanation