BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my Trans union, XXXX or XXXX credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.

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 2019-05-09
Company: Experian Information Solutions Inc.
State: WI
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 tried several times getting information from Experian regarding Account listed on my credit report with The cash Store Account # XXXX amount owed {$1600.00}. 
I sent several certified letters including 609 letters asking for information provided by the company validating this is my account. That has yet to happened. I also filed for CFPB to look into this matter ; but I haven't heard received anything in writing.

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 2021-09-16
Company: DISCOVER BANK
State: CT
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:
Discover closed my consumer credit card XX/XX/2021. I called them on XX/XX/2021 to obtain a reason on why they closed my account. As the consumer I never gave them consent to close my consumer credit account. I mailed off a letter to dispute the validity of the alleged debt and to show proof that I owe the debt. Discover received the letter on the XXXX of XXXX. I have the federal right under the consumer credit protection act to dispute anything about my consumer credit account. Discover is in violation of 15 USC 1691a ( 3 ). Discover discriminated against me because I exercise in good faith my rights. Discover rep stated that their policy overpowers federal law when I called them. I need this to be handle and corrected because I know that I am the consumer and the original creditor of this account. When I entered into this consumer credit transaction, I used my credit card which is my social security card pursuant to 15 USC 1602 ( l ). Which I used to extend myself credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). According to 15 USC 1601a congress requires all financial institutions to inform the consumer on the use of their credit. Which Discover failed to do so which makes them in violation of the Truth in Lending Act as well. 

I will also be doing a complaint with the CFPB, XXXX, Illinois Attorney State General, Connecticut Attorney State General, United States Attorney State General, OCC, SEC, FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is to dispute this collection I been tried to resolve this problem no one seem to help me I contacted all three credit bureau no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have fallen behind on my payment on my American Express business credit card due to a financial hardship, the 30 % interest rate and slow business sales. With the increased interest rate, the payments rose to $ XXXX/month which caused an additional hardship. The only option I was given for a lower interest rate was to pay the total past due amount and then I would be considered for a hardship program. This was not possible, so I had to let the account go delinquent since I could no longer afford the payments. 

After not being able to get in contact with me, American Express started calling my husband. On XX/XX/2019, XXXX XXXX ( XXXX ), calling from phone number XXXX contacted my husband on his cell phone and left a message addressed to both of us. My husband is not an account holder on my business credit card and American Express is not authorized to speak with him regarding my account. The manager above shared personal account information with my husband, including the amount due. He also threatened my husband by saying they have his social security number. 

Today, my privacy was not protected by this American Express manager. These tactics are unacceptable and so I'm reporting this incident to the CFPB. During the past 8 months, I have experienced a death in my family which caused sales in my small business to decline. I am also in the process of relocating to another state, which is causing another hardship. The tactics used by this manager in contacting my husband and threatening that they have his social security number has added more stress on this situation. 

American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
there was a multiple computer glitch with transunion that caused my inquires to be deleted. and then those inquires reappeared. The Glitch is transunion 's problem and not mine. Transunion added all these inquires back on to my report without giving me the legally required written notice 5 days prior to them re adding them. i contacted transunion, in good faith to ask them to delete the inquires that they had illegally readded.
<P/>
i called transunion at XXXX on XXXX XXXX  2017 and spoke with XXXX XXXX for 11 mins and 41 seconds. he said he could n't help me and i had to deal with it. He said he does n't have the authority to delete the information i tried again to see if anyone else at transunion would go above and beyond to assist me. I spoke with XXXX XXXX at XXXX on XXXX/XXXX/2017 and was met with a harsh reality that employee at transunion let me down. i asked to be transferred, he refused, and told me he could delete the inquires. after multiple attempts i told him the situation and he refused to help me.
<P/>
These inquires are a hardship and that my rights were violated by transunion. i need the CFPB to help me stop transunion from victimizing me. and everyone else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was deleted from my XXXX credit file. The collection account ncb management is the collection company who now owns the collection account for XXXX. If the original account was not valid neither is the collections account. Trying to collect on a non valid account violates my rights as a consumer. Please stop all attempts to collect on a non valid debt. This not only includes phone calls, letters, and emails, but also must be removed from all three credit files, XXXX, XXXX, and XXXX. This non valid debit has caused me to not be considered for jobs, I would like all three credit companies to please send update credit histories to every company that has requested my credit file for consideration of hire in the last 2 years, once these faulty items have been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
First, I'm thankful that you're finally taking the matter of this illegally opened account seriously. 

Second, I am well versed in my rights and know that the course of action you outlined in your response to my last complaint violates my rights ; by now you have received a copy of the FTC ID Theft Affidavit that accompanied a copy of the letter from my wireless carrier. According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until investigations are complete. I also know those investigations are 30 days long, not 90 days. 

Finally, if you do not remove any negative information from CRAs within 10 business days, and if this said investigation takes longer than 30 days, I will file suite on day 31. At which point, every lie you've written on this forum will be shared in open court as evidence of your willful disregard for the truth and laws that govern this environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent. 

XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked. 

After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX  bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from XXXX on a email address they had on file that was not mine. I never had another email with XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX  FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This unscrupulous bank operates widely as credit card services for stores like XXXX XXXX, XXXX, XXXX, XXXX and others. They claim to mail statements and dont, then charge late fees. I opened a card in a XXXX XXXX store on a {$99.00} purchase to get a free gift they offered. I only used the card for that one purchase. I didnt receive a bill until 2 months later and it included a {$25.00} late fee. I disputed this fee, closed the account and was told the late fee would be credited. It wasnt. The next month I received a bill that charged interest on their late fee. I called again, got nowhere with them and decided to just pay the now {$29.00} bill so I wouldnt have to deal with them anymore. The next month I received a bill that showed my payment, and an additional {$1.00} minimum charge plus another {$25.00} late fee. They claim to have received my payment one day after the due date. This can not be true as I mailed it 10 days before the due date. So now I am filing complaints with consumer affairs as I am sure there are thousands of consumers being mistreated by this company. 
I have since XXXX this company and discovered many complaints exactly like mine. I dont understand how these people are allowed to operate this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have made repeated attempts over the last 6 months with Trans Union, XXXX, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!

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 2022-02-09
Company: Bull City Financial Solutions, Inc
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I was pregnant, I had insurance from the state. They charged me fees that should have been included with the insurance that I had. This has been going on for years and I tried to explain that I do not owe and they insist on still charging me. I asked them about the debt and they sent it to an address that I did not live at anymore and they told me that it was sufficient enough. I told them that I haven't lived at the address for years. I also asked them if I could show the insurance dates because I had proof and they did not want to see it. So I am reaching out to you because I need help with this ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, 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 have been going back and forth with the credit reporting agencies about numerous remarks on my credit report that I do not recognize since XX/XX/2018. I provided them with a police report stating my identity was stolen and the affected accounts and they are still appearing on my credit report. Per FCRA guidelines, the following accounts should have been removed XXXX, XXXX XXXX , XXXX XXXX XXXX and Creditors Collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
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 have been going back and forth with the credit reporting agencies about numerous remarks on my credit report that I do not recognize since XX/XX/2018. I provided them with a police report stating my identity was stolen and the affected accounts and they are still appearing on my credit report. Per FCRA guidelines, the following accounts should have been removed XXXX, XXXX XXXX , XXXX XXXX XXXX and Creditors Collection.

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 2022-02-09
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address. 

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TransferWise Ltd
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Using Wise ( Transferwise ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my XXXX XXXX card. Normally, I transfer funds to XXXX from my XXXX XXXX  account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that XXXX charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party XXXX for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and XXXX ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but XXXX indicated they would credit my account for the fees. 

I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether XXXX decided on their own to modify the transaction in order to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went, in person, to the XXXX XXXX branch at XXXX XXXX XXXX to cancel my account prior to a move. 

The in-store representative charged me {$64.00} to settle the account and assured me that the account was closed, that I owed no equipment, and that I had no further debts with XXXX XXXX. 

On XX/XX/XXXX, at my new residence, I received a notice from a debt collector that I owe XXXX XXXX  {$0.00}. This billing is not only in error, but absurd. To threaten me with credit damage is offensive and to waste time and resources on such a ridiculous effort is abusive of both me and the credit reporting system.

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 2017-07-14
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a loan with Lending Club. I was informed that I habe the ability to change my due date which I atrempred to do online. After making the change a enaul waa sent to me stating that because of the requested change that 2 payments woukd come iut of my account in one month. That made no sense to me at all so I contacted the agency on XXXX XXXX for clarification but after 30 to 45 minutes on the phone wuth the representative I had not accomplished anything so at that point I told the representative that I wanted my payment to remain as is with payments coming out on the XXXX of the month and he asked me was I sure several times and I said yes and he said ok the payment would come out on the XXXX. I thoght everything was taken care of until I started to recieve phine calls from a XXXX area cose this week to finally I was able ti acceor the call today XXXX/XXXX/17 and the representative stares that they were calling about my payment annd I was within my grace period. This is an unlawful practice because my account was comprimised and slated to have two payments come out of my account in XXXX/XXXX/17. Please have the employee and company reprimanded for this. Something needs to be done I feel violated.

Company response to consumer: Closed with monetary relief