BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-08-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.

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 2020-01-08
Company: Lendmark Financial Services
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
lendmark sold contract to this company the name of this company is called XXXX XXXX XXXX stating they were going to do a civil suit out against me with no legal documents I haven't receive anything since XXXX that's when the loan was taking out when I spoke to lendmark they didn't know had my contract and was trying to make me do the payment through them when I finally found the company they sold to when I look on my credit report the name was XXXX XXXX last report on credit report XX/XX/XXXX, dispute reason was the contract related to this account has been cancelled the results were deleted XXXX   has deled the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I would like to know that the difference is between difference between the Signature and Platinum XXXX Extra Points Credit Cards? Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received from XXXX XXXX a promotional email soliciting a XXXX XXXX XXXX credit card through AMEX. I filled out AMEX 's online app with ALL information EXCEPT my social security number. I entered " random '' numbers for a social and called the AMEX new accounts number telling the agent what I had done. I offered to provide my number over the telephone, but informed them I wo n't put it online. The agent said, " No problem, if we have your name, address, telephone number, and birth date we can get your social. '' Several weeks passed with no correspondence, so I again called AMEX. This time I was told there were verification problems with address, phone number, and social security number and a letter was being sent seeking XXXX and address and phone number verification. As I believed I was lied to by the agent I contacted XXXX XXXX VP Global New Accounts. Her representative XXXX contacted me as to my concern ( logic would answer do n't have your phone number ). I received the XXXX and I complied with that request plus I returned a voided check from my bank with PRINTED address and phone number plus a photo copy of my driver 's license. Now I have received a request for a bank letter head stating my address verified by an official ( logic again : this is the SECOND letter AMEX has mailed to me ) plus a notarized copy of my social security card ( logic again : I have PROOF AMEX ran a credit check on me, how did they do that without a social security number and what did AMEX do with the XXXX I signed? I KNOW what my credit score and rating is and AMEX IS  HARASSING ME! I have not received a rejection letter because of " risk '' as my record shows there is none. For whatever reason, I am being HARASSED for information of which AMEX logically has possession! DISCRIMINATION FOR REASONS UNKNOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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 have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXXXXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX:XXXX Transunion XXXX XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : 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 2020-11-19
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
In a XX/XX/2020 telephonic communication with a supervisor connected with American Express ( AMEX ) XXXX  card accounts, the supervisor accused me ( CARDHOLDER of the credit card at issue ) of committing a fraudulent credit card transaction by receiving cash for a charge rather than receiving goods or services. However, no specific transaction was identified by the supervisor, and no such transaction has been made by CARDHOLDER. 

In a XX/XX/2020 letter from AMEX, CARDHOLDER was tacitly accused of credit card fraud in writing, but no specific transaction was identified in the letter. Again, no such transaction has been made by CARDHOLDER. 

A full description of events relevant to this complaint is being submitted, along with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.

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 2022-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX @ XXXX Deposit check amount {$5000.00} XXXX # XXXX Emergency rental assistance check processed. XXXX XXXX XXXX did phone verification along with XXXX XXXX and noted my account. I was told funds would be available today. available today. Today XXXX at XXXX pm, they printed a piece of paper saying they're holding my check until XXXX. 

There is an automatic transfer of {$120.00} they are authorizing without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX Debt Validation Form Questionnaire to be returned : Account # : ____________________ Original Creditor 's Name : _________________________________ Name of Debtor : ______________________________________ Address of Debtor : ___________________________________ Balance of Account : __________________________________ Date you acquired this debt : _________________________ This Debt was : assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account : XXXX ______ XXXX ______ XXXX _____

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: DISCOVER BANK
State: DE
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/2020 I purchased the software from XXXX for protection of my computer. When it was loaded into my computer I could not use Internet because that software started to block access by firewall. I had to remove the software in order to get access to the Internet. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge. I did so after calling XXXX who told me that they know about this problem and I was supposed to contact their technical support in attempt to resolve the issue. First of all, I did not about their technical support because their e-mail did not notify me about existence of such support, and then they told me that my request was supposed to be within 30 days. My call ion XX/XX/2020 was exactly on the XXXX day. Since XXXX refused to give me a credit I called Discover card and disputed the charge. Discover card gave me a credit but then I received my new statement that charge of {$39.00} was again posted to our account on the same day of XX/XX/2020. When I called Discover card XX/XX/2020 I was told by Mr. XXXX from Ohio office that I was supposed to have a written confirmation from XXXX that their software prevented me from accessing Internet and that my call on XX/XX/2020 was on 31 first day which is not true because by legal standards counting starts on the following day and XXXX had 30 days span. Mr. XXXX refused to give us a credit for that merchandise which does not exist on my computer because it was faulty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX recently settled accounts personal line of credit XXXX XXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Settled

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 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX took the process seriously and looked not only at my letter ( s ) explaining the unauthorized transactions but they also took the supporting documentation I sent to them and immediately removed the accounts in question. I have XXXX accounts that belong to my ex-spouse XXXX XXXX that she obtained while I was serving our country as an XXXX XXXX in XXXX. I signed a Power of Attorney over to her while I was laying my life on the line in combat because we have a son together and in case I died, I wanted her to be able to handle my affairs for the betterment of her and my son. Instead, she took the Power of Attorney and opened up accounts without my presence or knowledge which to say the least is very wrong on many levels because when I returned home from XXXX, she continued to use the Power of Attorney without me knowing that either, and I mean upon my immediate return home. Think about that sneaking behind my back to open up an auto loan with XXXX XXXX ( supporting documentation attached ), she opened up an account with XXXX XXXX. XXXX and charged it off in my name ( supporting documentation attached ), and through a court order, she was supposed to be responsible for a home loan with XXXX XXXX XXXX Mortgage but instead of abiding by the court order, she 's currently {$3100.00} past due on the account which is reflecting on my Transunion and XXXX credit reports ( supporting documentation enclosed. ) I have been writing letters and sending supporting documents to XXXX and Transunion for over 5 months now and all they do is contact XXXX, XXXX XXXX, and XXXX XXXX XXXX Mortgage and come back with a response letter saying that the creditors verified the accounts. This is not proper investigational work. The companies mentioned do not have the right ( legally ) to continue reporting the accounts on my credit files with Transunion and XXXX. I reiterate : upon XXXX receiving my first and only letter to them accompanied by supporting legal letters, immediately deleted the unauthorized accounts from my credit file with XXXX on XXXX XXXX, 2016. Since then I just keep getting the run around with XXXX and Transunion. Its as if they just do n't want to take the time to review the legally binding supporting documents that I keep forwarding to them. Please see attached supporting documents and get Transunion and XXXX to remove the unauthorized accounts or the only remedy I feel will be necessary, will be to start contacting XXXX in the states of XXXX and XXXX and to get the XXXX Office to look into this very request for investigation with the CFPB if this is not investigated properly and proof of a proper investigation is not rendered back to me. Please help so I do n't have to keep climbing the ladder and or wasting time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I used Transunion to receive a free credit report. At no point was there any indication that I would be charged and I obviously gave them my credit card information in good faith since they needed it for my credit report. I have not received any receipts, emails or further information but finally noticed a charge on my credit card. Apparently they have been billing me {$19.00} per month since 7 days after I got my report. There is no way to cancel the subscription online. They provided no services for that money. They gave me no receipts. Now that I have called, they have allegedly canceled my account. Still, I am out {$100.00} now. I have attached the receipts I just obtained off the website as well as the bottom of my Credit report ( the top is omitted ) which clearly states that I should be charged no more than {$8.00}.

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 monetary relief
Consumer complaint received 2020-08-11
Company: ADIR INTERNATIONAL LLC
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:
This account is still on my credit report and is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified from an ambulance company they would be attempting to collect money from me for services I did not request, and did not receive. They were on behalf of a minor child to my wife who I have no legal connection to other than marrying his mother. The ambulance was called to the scene of an accident by some stranger and the service was not needed and flat out REFUSED at the scene. My XXXX XXXX refused treatment and I was not even present on the scene at the time of the accident. On XX/XX/2020 I notified the ambulance that they needed to cease and desist billing me for this unwarranted service. The driver in the accident already worked out their bill with the ambulance service via their insurance company and they were the responsible party not the passengers. A soft copy of this letter to the ambulance company will be attached. 

This bill apparently was handed over to Commercial Acceptance Company who called me multiple times at my home. I called them directly to inform them of the issue with the original creditor and they threatened my credit report with collections activity if I didn't pay immediately. I stated I requested them to cease and desist, and I would be folliowing up in writing which I immediately wrote them a formal letter demanding they ceast and desist attempting to collect on this charge on XX/XX/2020. Now in XXXX XXXX XXXX, they have reported me to the credit bureaus following through on their threat of financial harm AFTER I fired them of their services. A soft copy of the letter directly to this agency will be attached I've today, XX/XX/2020 filed an online dispute with XXXX  and will continue to dispute this unwarranted charge via each bureau they attempt to extort me with. This is financial harassment for a debt that is not mine and I am not required to pay for services we refused, did not request and were not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 I I attempted to make a payment arrangement with XXXX XXXX  XXXX XXXX / Comeity Bank. This was on the internet as well as over the phone. I asked the company to close my account and set up payment arrangements due to high fees and the companies removal of available credit resulting in the account appearing over the limit or maxed out. The company refused. The total due on the account currently is {$1200.00} and much of the balance is due to fees brought about by the removal of available credit.

Company response to consumer: Closed with explanation