BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I XXXX XXXX XXXX XXXX, have alway paid my debts deligently, on or about XX/XX/2018 American Express laid to my charge, a bogus in debtness, because of a time share seminar, held in XXXX XXXX SC. I was told by the facilitator I had to have major credit card. To get the gifts they offering that day. They charge indebtness to my American Express ending number XXXX without authoration. I mistakely paid them over {$3000.00} toward wrongeful action. They later Change indebtness to another American Express Card number XXXX, These charges are wrongful, to their advantages of a high interest rate of over 20 %. American Express has been on the side of the merchant, To collect this bogus indebtness, because of the high interest rate the charge. In Closing this statemet is True and correct. I am owe {$3000.00} frome original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: SYNCHRONY FINANCIAL
State: TX
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:
Found out through XXXX XXXX, on my XXXX  report that there was a hard inquiry from Synchrony Bank on XX/XX/2019 that I did not authorize.

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 2020-07-16
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent a certified letter to Nationwide Recovery Sys ( see attached ). I advised them that this debt is not mine and to please remove it from my credit report. Prior to this I requested validity and nothing was presented. After receiving my letter Nationwide recovery once again reported to the credit bureau this debt on XX/XX/2020. On XX/XX/2020 at XXXX XXXX  I called Nationwide Recovery to speak to someone regarding the letter I sent via certified mail. My call was passed around to 3 different people. The 2nd person stated that I had five accounts under my name, I said how can I have five and you are reporting only one. The 3rd person stated that he was a manager. Neither of the three individuals cited the mini miranda to me. I asked his name and he mumbled his last name so I could not understand. He then stated all calls are recorded. So I said great can I record the call as well. He then proceeded to say " I can not continue this call if you will be recording '' So I mentioned to him " since you are recording the call so can I and I don't see the difference ''. He then stated that it was for my safety, I responded saying thank you this is for your safety and mines as well. This gentlemen did not want to take my call thereafter. I advised that I sent a certified letter and wanted to speak to someone about the collection. He proceeded with he can not continue the call we then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX never late COLLECTIONS XXXX XXXX  XXXX {$990.00} not mine XXXX XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BKPT   CHAPTER-XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2023-08-13
Company: Experian Information Solutions 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:
This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

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 2022-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called equifax several times over the past couple of days trying to gain access to my myequifax account. The procedure that they was sending me through was not successful and the requirements that they had me following didn't work either, wait for thirty minutes and try again. They were not able to assist me in resetting my password so I could access my credit report online. Instead, they told me to wait 7-10 days so this situation could be sent to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: AZ
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 told XXXX, XXXX, and Equifax to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have attempted so many times in the past via many organizations including XXXX, Florida attorney general and various other ones and have got nowhere but more annoyed. I have asked multiple times for a supervisor to call me, Ive tried with customer service and still nothing he same issue. 

AVANT indicated by snail mail they would refund me my annual fee due to horrible service : they only have refunded me my late fees and interest Ive called them over and over again, sent multiple emails to only get more annoyed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: PR
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:
The company said that the account belongs to me and that information is correct but, that is not true. That account belongs to someone in US and I have never had a account with XXXX. I live in XXXX XXXX and my address is totally different. Someone stole my information or did a mistake. Expirian did a very bad job in the dispute and I very disappointed. I want that account to be removed, is not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been trying to communicate with Trans Union for years on the same issue. They refuse to delete accounts reporting inaccurately on my credit report. They send me letters stating that the accounts have been verified, but refuse to show me proof that these accounts have been validated or verified to be mine. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consent.

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 2023-06-22
Company: EQUIFAX, INC.
State: IN
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 is a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information the Crediet Reporting Agencies have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required by Federal law to remove any and all accounts and information that resulted due to fraudulent activity. Please help me have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items were unknown to me and should not be reported on my Credit File. If the Credit Reporting Agencies believe that the disputed items belong to me and have the rights, legally, to be reportin on my Credit File, I demand that the Credit Bureaus send me copies of documents they found along the way to prove such claims. In the absence of these documents, I expect nothing but immediate deletion of the distputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Credit Plus Inc
State: OH
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 filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : COLLECTIONS XXXX {$990.00} not mine XXXX {$100.00} not mine XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
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 other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDITBUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: VA
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently received unsolicited replacement credit cards in the mail from Chase Bank. These new cards have the same card number but entirely new security codes and expiration dates. They also have the tap to pay feature which is not something I want for security reasons. They automatically updated my account to show these new exp dates and security codes without me verifying receipt of the cards. The card they are replacing does not expire for years so I would have no reasonable expectation that these were being mailed to me and if lost in the mail I would never have known about them until my auto payments were denied due to mismatched security code and exp date or until somebody else found them and began using them. I do not want to have to go through every autopay account I have to update this information and have tried to deny these cards or opt out but chase wont allow me to. Theyve also stated that there is nothing I can do to stop future unsolicited replacement cards so I have no peace of mind that another card in my name could end up floating around down the road. I will be cancelling my accounts with chase once I have new accounts set up elsewhere but would like to see them be forced to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Collection Bureau of America Ltd.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. 
I 'm filing a lawsuit in Small Claims Court against the Company.

Company response to consumer: Closed
Consumer complaint received 2022-12-08
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended the XXXXXXXX XXXX XXXX XXXX XXXX. During the year I attended I was sick and could not make it to classes. So I wrote to the dean saying i was sick and gave as much doctor proof as I could. I was suffering from XXXX, problems with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I withdrew from classes. 
I had gone to XXXX XXXX  using the XXXX site and Maryland grants, loans and money from my job, so I made sure i paid all the money I owed. My account balance was XXXX half a year later I got a letter saying you owe around {$1600.00} including late fee. I called and asked them what this was about, they told me I failed to pay my student bills. To which I replied i don't even go to XXXX XXXX XXXX anymore. They explained how i was back charged certain amounts of money after i had stopped attending and I failed to pay. I asked why my first notification was a late fee, and why was i back charged when I owe nothing. They failed to give an answer, I called again 3 different times. I was told by the financial aid office to not call again, that they will call me on removing the late fee. 
I got no call and was served with a letter from debt collection from State of Maryland, XXXX XXXX and XXXX with the amount increased to XXXX. If I could not afford XXXX, what makes them think adding XXXX unfair fees to the amount will make it payable. 
I told the agency in letter to not contact me and investigate the debt. I called the college again to get a response that was tantamount to buzz off. 
The agency then proceeded to keep sending letter and garnish my state tax refund. which put me in a bad spot multiple time.. because pandemic and I work.. a minimum wage job. This also put me back on my hospital bills.. which created more years of debt I have been slowly paying off.. This ruined my credit record, and is ruining my life.

Company response to consumer: Closed with explanation