BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, American Express decided to close my credit card giving a phone call to notify me about the action. The same day or couple of days after ( they can verify in their system ) I paid off my balance. I was living in XXXX  back in that year. 

After a month or so, collections called saying I had a pending balance of 6.00 that needed to be paid asap. That was, if I remember correctly, the interest accrued for the previous month. I paid the balance in full. Since then, those 6.00 have Ben hitting my credit as pending balance. Every time I have tried to open a new credit card or even buying a house, that bad report pops up. 

When reaching out to customer service ( 5 times already ) they said there was a mistake and that they can see the balance has been paid and that the pending balance notice should be cleared in the next 60 days. Then again is showing, same explanation- at this point I cant remember my credit card number so it takes forever to locate the account - then they say yes, it will get fix etc, and then they transfer the phone call to another 3 agents just to verify the information is correct and that the case has been solved. At this point Im reaching 1.5 hours over the phone with American Express and a call center with XXXX XXXX XXXX XXXX XXXX XXXX ) is contacted telling us they cant find any of the information Ive been discussing with previous agents. Its outrageous. Its XXXX already and when buying my new house, Im still dealing with this. The only step to follow is a law suit I guess, just because no one could fix a balance of 6.00 that got paid already, but the system for some reason is not clearing it. I have offered several times to repay the famous balance, but they keep telling me it got paid already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, Experian and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. 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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. no action has been taken. looking at all data listed ive noticed all information submitted is reporting illegal an fraudulent information. please review an remove the information listed to help clear my credit report asap.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted each number that was listed on the inquiry and they told me that they don have any application requarding my name or social. I also contacted each Credit Bureau Fraud department so they can investigate. They Told me I had to file a complaint with the CFPB in order to get the credit inquires deleted.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
SENT IN DISPUTE DOCUMENTS VIA USPS CERTIFIED MAIL, AND WELL AS THROUGH XXXX  'S UPLOAD PORTAL 2 MONTHS AGO. I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX allows to do a soft inquiry on my credit profile. I would like for XXXX  to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, both accounts and hard inquires that are a 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 explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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 XXXX XXXXXXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-15
Company: EQUIFAX, 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, This Is my XXXX  written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX XXXX tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BARCLAYS BANK DELAWARE
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:
When flying Frontier Airlines, they are offering a credit card with bonus miles. The offer was positioned as getting 60,000 bonus miles when you apply for a credit card with Barclays. Once you use the card for the first time, for any amount, you get the {$60000.00} bonus miles. When I received the card, I already had a balance of {$79.00}. It was an annual fee. This was not disclosed when the credit card offer was pitched to me. When I called Barclays to dispute, they said that in order to get 40,000 miles, I had to pay the annual fee and I had to spend an additional {$1500.00} to get the other 20,000 miles. Frontier and Barclays are pitching this offer in order to get people to apply for the card and misleading applicants in the process. You get pitched with " apply for the card, use it ONE time on any size purchase and get 60,000 bonus miles ''. But the reality is you get hit with an annual fee of {$79.00} upfront, you get 40,000 bonus miles and you have to spend another {$1500.00} in 6 months to get the other 20,000 miles. This is a misleading and predatory practice and should be investigated by the CFPB.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: IN
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:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-09-15
Company: EQUIFAX, INC.
State: OR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TD BANK US HOLDING COMPANY
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:
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: BROKER SOLUTIONS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not authorized this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Subject : Formal Complaint Against Resurgent Capital Services L.P./LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services L.P. XXXX XX/XX/2023, I submitted a complaint against LVNV Funding LLC, citing their deceptive collection practices and violations of my rights under FDCPA and FCRA. In my initial complaint, I highlighted that XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, had contacted me last year regarding an alleged debt, which I promptly disputed to no avail. Despite LVNV Funding 's failure to substantiate their right to collect the alleged debt by failing to provide proof of the account transfer, they continued to report the collection on my credit, a clear breach of both the FDCPA and the FCRA. 

On XX/XX/2023, Resurgent Capital Services L.P. responded to my complaints through the Consumer Financial Protection Bureau with a standardized letter, asserting the following : " With its purchase of the Account, the Current Owner ( LVNV Funding LLC ) acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. '' Regrettably, the CFPB closed my complaints without permitting me to respond, thereby denying me the opportunity to request critical information from the respondent, which would have led to a favorable resolution for me. Therefore, in line with their response, specifically paragraph number 4, I hereby request that Resurgent Capital Services L.P. promptly furnish evidence of LVNV Funding LLC 's purchase of the account, demonstrating their claimed rights, in the form of a transfer document and a bill of sale for the account, including my name and the account number. This request is essential, as anyone could assert ownership without providing substantiating evidence. In the absence of proof of LVNV Funding LLC 's ownership of the account, the collection must be expeditiously removed from my credit reports. For your reference, I am attaching their response letter. 

Thank you for your attention to this matter. 

All rights reserved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation