BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Conn's, Inc.
State: TN
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 contacted XXXX XXXX XXXX customer service on XX/XX/XXXX. I asked about the policy on removing 30 day late payments the representative I spoke with told me that conns does provide a 30 day curiosity removal to customers that have never been late or have a history of late payments just email a letter requesting the late payment be removed, along with a copy of a credit report showing the late payment. On XX/XX/XXXX, I faxed those documents and called XX/XX/XXXX to ensure they received it and they did. I spoke with a manager who gave me the same information that the first representative gave me. However, I was told from the first representative that I would receive a email within 48 hours with the findings, which I did not. When I called and spoke with a manger on XX/XX/XXXX he told me I would receive a email within 3-5 business days, I did not. I called again on XX/XX/XXXX and spoke with another manager and told me that my request was denied. I have still not received a email or letter stating what the findings were. They had my wrong address on file so I 'm not sure if they sent it to the incorrect address. I did update it. My complaint is that the staff is not adequately trained and they do n't have the correct information, I am in the process of trying to purchase a home and they have given me false hope and information. My issue is that the creditor XXXX XXXX XXXX is acting unreasonably and not providing with the documentation in the time frame in which the said they would. I am requesting that this late payment across all three bureaus be removed as it was stated to me that they could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 there was a {$27.00} charge in the card. First off I dont know what card this even is I just pulled my report and have no recollection of getting a credit card from a bank in Delaware. 
On XX/XX/2020 it added another {$27.00} Im also unsure what this was for or why this happened. There was no attempt to reach out to me via phone or email. Which leads me to believe this card was opened illegally.

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 2022-02-12
Company: Experian Information Solutions Inc.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-12-31
Company: Kwikcash, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
We did reach out to KwikCash for a loan when my credit schore was XXXX. I understood my loan payment for {$2500.00} would be {$180.00} for first payment then after that $ 118 Monthly. I also understood my interest rate would be accessed according to my credit score and credit history. KwikCash pused my interest rate to 125 % with a credit score of XXXX!! That is excessive and abusive lending My family experiensed a finicial hardship and reached out to KwikCash to inform them of our finacial hardship and the exccessive interest rate. Kwikcash offered to reduce our rate to 120 % and requested payments every two weeks. Also threatened to sue by filing a civil suit against us and ruin our credit. I asked for them to except one payment per month until we got back on our feet, we were told the under writer said NO. I was also told we had to provide them with a ATM Debit card to pay going forward. I expained we did not have a Debit card to provided to them and I would mail a money order/cashierspayment. I was told they would only allow us to pay by Debt card. I also explained that our goal was to avoid chapter XXXX bankrupt, i did not also know our interest rate was sooo excessive and to please lower it and work with us. I was told they would only lower to 120 %. This is offeal and wrong to threaten us. To threaten to sure a Military Veteran who severed our country and take advantage a soon to be XXXX Vetern is just offeal. Who can justify imposing a 125 % rate on a consumer with a credit score of XXXX % and a soon to be XXXX Veteran. Also the application was done online and the terms were deceptive, unclear. Small print and the payments were understandable to be monthly, not byweekly. Just wrong, and would not work with hardship and refused to take payment unless it was with a ATM card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
LOOKING TO BUY A NEW HOME WHEN THE BANK INFO ME OF ACCOUNTS ON MY PROFILE THAT MAYBE DO TO 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 explanation
Consumer complaint received 2017-07-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 90 daysXX/XX/XXXX, 120 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute withExperian about the unverified XXXX  XXXX  Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 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 2021-03-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/XXXX, I opened an account with American Express Serve in order to keep a prepaid card loaded with funds for a close family friend. 

XX/XX/XXXX, after over 2 years using the account in this way, American Express Serve XXXX & suspended my account. My attempt to resolve this with them was declined on the same day. 

Since then, for the past 5 years, American Express has emailed me almost monthly an email with the subject " Your scheduled transfer was unsuccessful ''. The email 's contents indicate that they still have my bank account information and are routinely attempting to draft funds from my bank account into this account. 

I have contacted American Express multiple times, most recently XX/XX/XXXX, regarding this issue. Their response is always the same. They say it is impossible for them to stop emailing me, impossible for me to log in to the account to disable this automatic draft attempt, impossible for them to delete my bank account information they continue to hold and attempt to withdraw funds from. Almost every month for 5 years I receive a notice that American Express is trying ( and so far failing ) to draft funds from my bank account into a cancelled account, and every time I talk to them I am told that I will have to live with this forever. After 5 years of reminders that American Express is holding my bank account information and trying to take money from it each month, I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX choose not to contract with XXXX XXXX XXXX ( XXXX )./ XXXX XXXX XXXX XXXX Attorney for Plaintiff. 
U.S. Bank XXXX XXXX XXXX XXXX has committed FRAUD, i did not consent to paying extra monthly payments to cover pass do H.O.A fees. My monthly payments has increased starting XXXX XXXX by {$400.00}. I do not have a contract with ( XXXX ). 
XXXX XXXX XXXX, XXXX a Corporation meaning fiction. 
No man or woman can not owe money to a fictitious entity according to XXXX known as XXXX XXXX XXXX ... ...... I XXXX XXXX have the right to Self-determination and Human Rights.

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 2019-05-25
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:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

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 2017-12-31
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 belongs to someone else

Complaint:
Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and Experian to let them know this debt is in violation of HIPPA but XXXX Or Experian didnt delete it form my report, while XXXX did delete it..

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 2020-02-13
Company: EQUIFAX, INC.
State: TN
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:
LOOKING TO BUY A NEW HOME WHEN MY BANKER INFO ME THAT IT WAS MANY ACCOUNTS THAT WAS MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX does not report my balance correctly every month to credit bureaus. Repeatedly this company willfully harmed by reporting fraudulent balance to Equifax, XXXX and XXXX - these companies harming my credit score every month. For example, the correct balance of XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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: Information belongs to someone else

Complaint:
Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to Equifax, XXXX and XXXX to let them know this debt is in violation of HIPPA but Equifax Or XXXX didnt delete it form my report, while XXXX did delete it..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CITIBANK, N.A.
State: CA
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:
Cash withdrawal was taken using my credit card number issued by XXXX. At the hour of withdrawal Philliipino Agent of of XXXX call me at my home number and asked if I had made a withdrawal 35 minutes ago, when I stated NO I HAD NOT MADE ANY!!! 
The agent said thank you, we had caught a fraudulent transaction, do not worry we cover you 100 %. I had talked to the reps of XXXX 4 times already about the charge, two times blocked the card, and issued NEW CREDIT CARD!!! However, the {$400.00} and the {$20.00} cash withdrawal fees ARE STILL ON MY CREDIT CARD TO COLLECT!!! 

The use of incompetent, hard-English speaking phillipinoes providing a nightmare type of services and the US oversite does not correct the massive problems! 
I ask that XXXX would receive a strong denunciation of their CREDIT CARD OPERRATION, and correct the instant problem in a timely manner!!!

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 2020-02-13
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:
XXXX defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XXXX XXXX, XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX, XXXX see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XXXX XXXX, XXXX XXXX PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.

Company response to consumer: Closed with explanation