BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The prior context for this complaint is complaint XXXX. Since having that refunded added to my account ( and their misrepresentation of events in their response to that complaint ), I closed the account by phone an XX/XX/XXXX with over {$3000.00} in credit. During that conversation they said I would be sent a check for the amount in credit. 

On XX/XX/XXXX, having still not received payment, I contacted them by phone, to which they claimed they had never processed any request to have the funds that I was in credit returned to me and stated they would do so. I told them if it was not received within 48 hours I would be filing additional complaints with you ( the CFPB ) as they are intentionally not providing monies owed to me.

We are now another two weeks after then, four weeks since the account was closed, and many months since the initial issue with refusal to charge back services not provided for flights cancelled. 

In short, American Express are not honoring their debts to customers. The account number in question is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 : Threatened by written notice that my taxes would be garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX - on XXXX XXXX - Account # 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 2020-05-23
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:
I recently obtained a copy of my credit report and there are accounts that DO NOT belong to me. Please investigate these accounts and remove them from my credit report. Please send an updated copy of 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 2020-05-22
Company: Experian Information Solutions Inc.
State: MD
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, U S DEPT OF ED/XXXX. 
Company Inquiries 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 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
Dates and addresses are inconsistent between the XXXX credit bureaus.

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 2021-02-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never XXXX days late on this loan. I paid the payment due when it was 24 days late on XX/XX/21 ( see attachment ). This is unacceptable to make false remarks on someone's credit report. I noticed this today XX/XX/21 after checking my report. My contract number is 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 2018-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, U S DEPT OF ED/XXXX. 
Company Inquiries 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXXXXXX 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 2021-06-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THERE WAS A BANKRUPTCY ON MY CREDIT REPORT THAT I DISPUTED AS INCORRECT INFORMATION ON MY CREDIT REPORT ( NOT MINE ) I DISPUTED THIS WITH ALL THREE CREDIT BUREAUS. XXXX  ADN XXXX HAVE SINCE DELTED THIS. I SUBMITTED A LETTER FROMT EH COURT HOUSE STATING THAT THEY DID NOT REPORT THIS AS WELL AS XXXX XXXX, AND EXPERIAN REFUSES TO TAKE THIS INCORRECT INFORMATION. I KNOW THAT ALL THREE CREDIT REPORTING AGENCIES HAVE TO FOLLOW THE SAME FCRA LAWS AND GUIDELINES. IF TWO OF THE CREDIT AGENCIES DELETED THIS FROM MY CREDIT REPORT FOR INACCURATE INFORMATION, EXPERIAN SHOULD BE DOING THE SAME THING. THEY REFUSE TO GIVE ME ANY INFORMATION ON WHERE THEY'RE GETTING THIS INFORMATION FROM. THEY LIED AND SAID THEY GOT IT FROM THE COURT AND THE COURT MAILED ME A LETTER SAYING THIS IS NOT TRUE.

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 2021-01-24
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My name is XXXX XXXX XXXX michigan changed my child support payments from XXXX XXXX  XXXX  to way2go card yet I was supposed to get a new card by the end of XX/XX/XXXX but never did & had to pay for another which i received on XX/XX/XXXX & by XX/XX/XXXX I already had a fraudulent charge of {$180.00} from some company that has a cust serv # of XXXX that just disconnects. I've wasted over 34hrs on hold with WAY2GO which consists of being hung up on even after I faxed all required documentation to them my acct & card are not accessible to me for my daughter 's needs even almost a full month. They are worse than reliacard & I'd love to change my direct deposit to chime or XXXX since they follow through resolving issues plus they actually answer their email, chats & phones. I will NEVER use this company again!!! The WORST I've ever encountered. Get a prepaid before this POS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I pulled my credit report on today and noticed that there was an inquiry on my credit from Portfolio Recovery Associates without my consent. Ive disputed this company in the past with wrong information reporting on credit report and have asked this company to stop contact. The Credit Bureau had dropped this company from my credit report but they continue to make inquiries on my credit which results in denial of credit. I did not give this company permission to pull my credit and have not had any contact with this company in several years or since 2018. Theres no reason for this company to check my credit this month or since this account was disputed or out last contact of informing them to stop harassing years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: SYNCHRONY FINANCIAL
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:
The week of XX/XX/XXXX, I contacted SYNCB/Walmart DC ( XXXX XXXX XXXX XXXX, FL XXXX tele # XXXX ) regarding an account that was being reported on my XXXX credit report. I spoke with XXXX ( # XXXX ) from the XXXX, Ohio call center. She confirmed that there was no record of any account matching my information. She indicated that it would be difficult to send me dispute information on an account that does not exist. However, I stated to her that an account is being reported, therefore I as well as the credit agency should be able to receive something so this information could be removed. She then indicated that it would take approximately 30-60 days to contact XXXX and that she would see if she could send me something. To date, I have not received any correspondence regarding this matter. I contacted SYNCB/Walmart again today ( 3/5/19 ) as my credit report dated XX/XX/XXXX still contains the incorrect information. I spoke with XXXX ( # XXXX ) ( fax # XXXX ) who also stated that there is no matching records. Since it's been five months and this matter is not resolved, I lack confidence in this company 's ability to help me and resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I did consent to authorize nor benefit from these account ( s ). Block and Remove

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 2020-09-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax needs to block and remove these fraudulent accounts immediately because someone hacked into Equifax system and stole my identity. The following accounts were opened due to identity theft : 1. XXXX | XXXX 2.  XXXX XXXX  | XXXX 3. XXXX XXXX XXXX XXXX | Balance : XXXX 4. XXXX XXXX XXXX XXXX | Balance : XXXX I have attached a copy of my police report as well as corresponding documents from XXXX stating for Equifax to remove and delete this fraudulent account from its system. Equifax has also violated my rights be reinserting recently deleted accounts from my credit report without notifying me within five days. I am going to sue Equifax for violating my rights and report them to XXXX XXXX XXXX  as well as Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I lost my car due to an car accident. The insurance company ( XXXX XXXX ) paid most of the total loss on the car with a balance of around {$1700.00} left which was subsequently paid by a refund for the extra car insurance provided by the car dealer which left a balance of {$290.00} in XXXX of XXXX. Capital one auto finance claimed they made an attempt to reach me by mail with a letter describing the leftover balance and urging me to contact them which was never received by me. In XX/XX/XXXX the {$290.00} amount was charged-off in the closed account for non-payment causing my credit score to drop more then 100 points. I have never made a late payment, missed a payment nor did I receive any communication or correspondence by mail, email or phone from capital one auto financing stating there was a remaining balance. They also have an app from which I made all my payments which was disabled by capital one auto financing following the accident and further impeded me from knowing what was going on with the remainder of my loan. They stated that they had no responsibility to contact me after they had received payment from the car insurance and when asked for a customer complaint division they stated they don't have one. After speaking with a representative at capital one auto financing I found out that there was supposed to be a survey correspondence following every call made to capital one following a customer service call and I have never received one. They have proven that they are unwilling to take responsibility for there actions by not sending me a survey throughout the life of the loan and continue to report an incorrect charge-off on all of the credit bureaus ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}

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