BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I booked a stay at a hotel through XXXX using my American Express credit card. I realized I did not use the rewards card I had intended to during my purchase so I cancelled it and made the same purchase again with my rewards card ( again, paying with American Express ). I received confirmation of cancellation from XXXX with an email saying that my American Express would be refunded for the initial cancelled stay. This did not happen. I reached out to XXXX several times to inquire about the refund and no one responded. I even gave them several months given COVID and the chaos I'm sure many companies were dealing with at the time, I thought it could take a while to sort out. When the day of the hotel stay arrived, I brought up the cancellation with the hotel, which said XXXX would take care of it since I had booked the stay through them. 

At this point I raised a ticket through American Express. I thought it was a pretty straight forward case - especially since I SHOWED them the email that confirmed my cancellation FROM XXXX. Recently I went in and looked up the status of the claim and found it was closed with no explanation and American Express wasn't refunding my funds. I was absolutely amazed since I was told by the merchant I would be refunded and XXXX FAILED to do so and despite having this cancellation confirmation in WRITING, American Express failed to honor it. I opened the case again. Recently, I was given a letter from American Express. In it, they explained that my initial dispute was closed in a " technical error '', but unfortunately now my case is " too old '' to investigate - which is their fault since they were the ones that closed my initial case in error in the first place. Also according to the letter, anything they do for me at this point is a " courtesy ''. 

I want the refund that I was clearly promised the DAY I cancelled this hotel stay. I have more than enough to prove that I am owed my funds back and American Express has dropped the ball enough. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Mercedes Benz Financial Services
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019 and on XXXX. XXXX, 2019, MB FIN SVCS add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXXXXXX 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

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 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because I cant even take out no credit card due to having bad credit because of them. Capital one is one of them I have never gotten no credit card with them and they claim I owe them when I dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried reaching out to XXXX, XXXX and TRANSUNION with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Conn's, Inc.
State: OK
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 XX/XX/XXXX I was verbally told over the phone by a rep at XXXX a collection agency for Conns that once the debt was settled, the debt would be removed from my credit report, that is not the case, I settled for XXXX on XX/XX/XXXX and the balance reported on XX/XX/XXXX shows I owe XXXX and another two credit bureau shows i owe over 3k which in turn has taken my score down over 115 points. This account is charged off and should not be reporting each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have ask these credit company 's to remove these accounts that was open 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 explanation
Consumer complaint received 2020-05-06
Company: SYNCHRONY FINANCIAL
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 have called for 3 months on getting these hard inquiries removed for my credit report on XXXX/XXXX XXXX/ synbc/syn/pay pal : They keep stating that they have not received anything from ( Paypal /Sync Paypal ), or SYNBC states they have sent an Electronic Deletion request to XXXX/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. XXXX and Sync/Syncb need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to XXXX. 

Have XXXX/XXXX XXXX/ synbc/sync/pay pal Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : SYNCB ( syncb XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX PayPal Via SyncPayPal ( SYNCB/PayPal ) PO box XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/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 2018-08-29
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: Information belongs to someone else

Complaint:
Dear Company : I am a victim of identity theft due to the XXXX  Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Never use there services was told it was not me and to please remove from credit report the woman told me know and asked her to please send me all information Id paperwork signed by me saying it was me never received

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 2019-02-15
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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have reached out and notified American Express several times since cancelling all credit cards with them in XXXX about charges on the Business Platinum Card  that I did not authorize. Instead of resolving this matter and reversing the charges, they have added on additional fees and reported me for delinquency in payment. As of this morning, I have received notification they are turning the matter over to a collection agency for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. XXXX 3. TRANSUNION Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX  Account XXXX XXXX XXXX XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, 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 2019-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Two credit accounts were opened fraudulently. XXXX XXXX XXXX opened XX/XX/2017. Bank of America installment account opened XX/XX/2017.

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 2019-09-18
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am employed by XXXX and have been employed for 8 months. At the beginning of my employment I passed all the background screenings and have been employed for 8 months, all of a sudden I received an adverse action email from XXXX stating that my background check from their background company showed two outstanding XXXX. I questioned this with them because I have been employed 8 months and already passed the background. 
Upon dealing with Checkr, who is the company XXXX uses for these screenings, I did find out about two XXXX in XXXX XXXX AZ. Case # XXXX from XX/XX/1998. This is very old and was not accessed when I first applied so I do not understand why they can use this against me at this time and barr my employment. 
I have contacted the court and set-up a payment contract with them and they will be removing the XXXX but I am not sure if I will be getting my employment back. So I have a couple questions : Why is these XXXX not off my report due to length of time passed Why after 8 months of employment did they have the right to rerun my background and provide new information when I did not agree to any new background checks. 
I have provided Checkr with all the information that the court has provided me but they have not cleared this report, which the court said would be immediatley cleared asap and XXXX lifted when payment contract was started I want to make sure I am able to go back to work and I want to know if XXXX and Checkr are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Cornerstone Home Lending Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXXI found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX, I found out when I got arrested for driving while suspended, on my BMV it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to 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