BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : ACC # # XXXX, Opened Date XX/XX/XXXX ; Limit {$7000.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-11-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2017-11-17
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX / XXXX, claim I allegedly owe {$40.00} for a doctors visit I do not recall. I have repeatedly asked them to either send me a copy of the invoice or stop calling me daily, do date, they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.

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 2017-07-27
Company: WASHINGTON FEDERAL BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX XX/XX/XXXX Submitted Fax by, the Company (XXXX XXXX) > In' an Apology to Washington Federal Bank for a Point of Sale Charged "Twice".

($386.26) XXXX

> Is' Refusing to Send Me A Copy of the Statement In Error by the Company (XXXX XXXX).

This is' Auspicious Behavior in an Intent to Submit a Letter to the Bank during, a Period that' a Secured Visa was being Issued to me from XXXX XXXX/Washington Federal/XXXX XXXX.

A Made Cause to Make Claims in an Entitlement of' Monies.

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 2023-03-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of XXXX XXXX and even though I've sent in documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  verifying I'm a victim as well as a written letter advising what information needs to be removed, they're refusing to remove it. This breaks the law that was just passed last year.

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 2019-09-28
Company: EQUIFAX, INC.
State: PA
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:
Equifax has let to mail me a complete copy of my credit report after I reported several issues within them to errors on my report. and information after I opt out for promotional. Equifax refuses to mail me a report after several attempts I requested to them. Equifax mail me 2 or 3 pages and that's it and it has happen the last 3 months I seem not able to see what they have on my credit report in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, American Express customer service sent me multiple simultaneous emails. All the emails were entitled : Important information about your account. '' In those emails, American Express said they were, effective immediately, closing ALL of my credit card account. They closed about 6 cards in one day! I lost personal and business credit cards that I had used for many years and have been a loyal American Express customer for over 20 years. The MOST devastating thing about this was that I lost XXXX membership reward points, at a cash value of XXXX dollars. There was no explanation. We called American Express over the phone on XX/XX/XXXX and XXXX  trying to get the cards open. They denied this and didn't know why the cards were closed What is absolutely maddening about this is that they also said that all of the XXXX membership reward points, points that we had earned by using american express credit cards for ALL of our personal and business purchases, ALL of it was taken by american express and wiped to XXXX. We tried to reach out on XXXX. No luck. We have also sent letter mail to american express at this address : XXXX  XXXX XXXX XXXX XXXX, TX XXXX. No luck. I understand American Express can close cards, but I believe they should give me a chance to use my membership reward points or cash them out, just like EVERY other credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to Experian XXXX and XXXX XXXX and still the report shows my account as closed, lowering my credit score. 

Both Experian and XXXX XXXX  are reporting false information and I want this rectified.

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 2019-09-28
Company: EQUIFAX, INC.
State: AL
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 am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: Convergent Resources, Inc.
State: MO
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:
convergent has failed to remove this alleged account from my credit report. they are still reporting but refuse to provide me with a copy of any viable evidence bearing my signature showing showing the account is being reported accurately and all they send was a copy of an itemized bill in which could belong to anyone. according to XXXX XXXX XXXX convergent should be aware that a printout of a bill or itemized documents does not constitute verification. convergent is still reporting on my credit report. I have even send them a letter certified requesting this information and I am keeping careful records of everything i send.

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 2019-09-28
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2017-07-27
Company: EQUIFAX, INC.
State: NV
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:
Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is showing an account that I do not owe on my credit. I have disputes several times and the company is stating that it is accurate. Experian refuses to share with me documentation on how this debt was validated and I have requested this from them several times. I am looking for this debt to be removed as I do own or owe this debt. The contact information that is showing for this company is XXXX XXXX XXXX XXXX Florida 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 2021-12-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have had some inaccuracies on my report for about a couple of months I have tried repeatedly to remove these negative items off my report these accounts have not been verified on my report and it has been 30 days or more that these accounts have been on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2020-06-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased furniture through the XXXX website using their credit card. The original purchase date was XX/XX/19. It was a 6 month deferred interest plan. Unfortunetly, this month my interest kicked in for the first time. I didn't catch it in time, and I was charged by XXXX for interest in the amount of- {$74.00} I called XXXX to ask them to forgive me the interest this time and allow me to pay off the rest of my balance without paying interest. They refused and had no compassion for me and the current situation happening worldwide. I believe that this is taking advantage of people in this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the number XXXX XXXX XXXX XXXX calls everyday at XXXX XXXX does not leave a message. 

I believe the call is from Paypal. I do now now have I ever had a Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to XXXX XXXX and Equifax XXXX and still the report shows my account as closed, lowering my credit score. 

Both XXXX and XXXX XXXX  are reporting false information and I want this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.

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 2017-07-27
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Golden Valley Lending BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Phone : ( XXXX ) XXXX Web : www.golden-valley-lending.info Category : Questionable Activities Complaint On or about XX/XX/XXXX I obtained an online loan for originally XXXX XXXX Dollars ( {$1000.00} ). I was not aware of the astronomical interest rate of 720 %, that would result in my final payout would be close to {$5000.00}. After the fact ; I did research on this institution and found out they are a Tribal entity. I was not aware of this fact. There are several complaints against this lending institution, as I have given an example of the BBB below. Government Action Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc., and Majestic Lake Financial , Inc. Case # XXXX. The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. The case is currently pending. XXXX XXXX XXXXXXXX Here are the two payments that I have done up to now ; Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$300.00} Principal : {$50.00} Total : {$350.00} Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$280.00} Principal : {$50.00} Total : {$330.00} I called Golden Valley Lending to find out what the pay off would be if I paid early. For a loan remainder of {$850.00}, my pay off value is {$1100.00}, which I will pay on XX/XX/XXXX. I was not expecting such a high interest rate, thinking my loan would be about paid off by now, if not paid off. I was in for a huge shock. I made a mistake once and will not ever make that mistake again, it was supposed to be for emergency purposes. Remedy Sought : I would like to recoup some of the interest rate that was/is charged on this loan. This practice is highly questionable in my opinion.

Company response to consumer: Closed with explanation