BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: Westlake Services, LLC
State: TN
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: Reporting company used your report improperly

Complaint:
Someone stole my wallet and started applying for stuff under my name not my consent. I would like to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Information belongs to someone else

Complaint:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim 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 2021-04-21
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 reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me ( XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.

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 2017-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery Associates has claimed I owe them {$680.00} on a charged-off XXXX card. A ) the account was charged off, B ) They have never provided legally sufficient proof of this. Further, they remove then reinstate the debt WEEKLY on my credit reports in order to extend the time it stays on my credit report. This has the effect of keeping my scores artificially low, and negatively impacts my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I recently signed up for AutoPay on American Express. After signing up, it said it would take XXXX billing cycles before it would be active, so I went ahead and paid my bill for the current cycle. But the AutoPay was active ( and their website did not show that it was ) so it charged me again for my bill, and subsequently overdrew my bank account. When I noticed this, I contacted my bank XXXX XXXX XXXX XXXX XXXX and Amex. XXXX XXXX XXXX provided me a temporary credit for XXXX of the transactions. The next morning the temporary transaction had been removed from my account so I was charged an overdraft fee again. I called the bank again and received another temporary credit. 

When I called Amex the first time, they said there was n't anything they could do since the payment had already " posted '' even though it was still pending on my bank account. I had to call Amex 6 more times to resolve this issue. First, they said that my bank denied both of the payments so I had to pay them again for the credit card bill -- this was untrue -- and that I needed to resolve the issue with my bank, not them. I called my bank to confirm that they only denied XXXX transaction and they said they had. Then Amex tells me that they will fix the issue because my credit card statement was showing a negative balance. They said they could apply the balance to another card I had with them, but I told them that I just wanted a refund for the payment. They said they ca n't issue one directly to my bank account, so they will mail a check to me and fix my account within 48 hours. 

A week later, my account is still not fixed, but I do receive a check in the mail. However, Amex now shows that I owe them for the check that they sent me because my bank settled the dispute with them and made my temporary credit a permanent XXXX! No one from the bank or Amex had mentioned anything about this to me until I got a letter in the mail over a week and a half later. I called Amex again to see if they could cancel the check and remove the money I " owe '' them, and they tell me they will and that it will take up to 48 hours. Over a week later, my account has not been fixed so I call them again. They then tell me the only way to cancel the check is to mail it back to them so they can void it, but they said it could take up to a few weeks. They told me I should just cash the check and pay them online. This has occurred over the span of 4 weeks -- each time Amex arguing with me that I owe them twice for my credit card bill and then promising to fix it. To top it off, some of the customer service representatives were extremely rude and accusatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
American Express cancelled our credit card account as a retaliatory measure for reporting issues to cfpb that we are having with our account. As a good faith gesture, we arranged payment of the disputed amount of {$3400.00} as an immediate balance transfer from another credit card, and caused to be withdrawn on XXXX/XXXX/2015 what we actually charged as payment in full on this account, {$7500.00}. These XXXX amounts actually cause us to overpay what American Express says is due. and it has been our custom for many years to have the amount due withdrawn from our checking account, and never has payment not been honored. Furthermore, I checked our credit report and no one, not even American Express has ever reported us past due and nearly all the accounts state 'paid in full. ' However, after six hours on the phone with American Express this day, they will not reinstate our account that THEY cancelled because of a disputed amount, in part a cyber fraud on the account. American Express states their attorney investigated the account, but this is not true. All we have ever requested is an explanation of charges, because the bottom line total does NOT equal the line item charges, and we have sent them spread sheets to prove this. There has also been an unauthorized payment to XXXX, made by American Express, which is also. or was also and remains, a part of this disputed amount, which ( as stated ) we have now paid in full. To make matters worse, they have harassed us through various emails and a robo-call this day. And they cancelled the account a full day before payment was even due. This is wrong. An account can not be cancelled validly under law when the amount causing the cancellation is a disputed amount. Now American Express states we have a bad account payment history, which according to the records and the facts, as well as Experian, simply is NOT true. It should not be this much trouble to pay a bill, and we should not be punished for doing the right thing and acting in good faith -- And they should not hold our account hostage and extort money out of us ( as they have done ) by threatening us with a bad credit report. We paid the disputed amount, and since money coming from our bank has been our business custom with American Express, they should not that require money forthcoming from our bank be immediately in hand. We are being punished because we reported a fraud on this account and refused to pay an amount we NEVER authorized to be paid by American Express. Our credit record is perfect, and now they are ruining our good and valued name in the business community as well as in the community at large. As I said, payment was not even due, and this was done to retaliate against us for reporting them to cfpb, and possibly to cover up an insider fraud at American Express. No reputable business would cancel a credit card prior to the due date on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called equifax fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of XXXX  where someone could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
My husband and I sent 2 US postal service money for a payment to the XXXX in the amounts {$350.00} and {$200.00}. 
The checks never got there. 
Someone intercepted the money orders, re-wrote the information with his name and cashed it. He deposited it in a Chase bank account. 
US postal services money order inquiry gave me the information ( PS form XXXX ). 
Nobody wants to take responsibility for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in an auto-accident in XXXX XXXX after being hit by another driver in traffic. As a result, I went to the hospital for XXXX immediately following the accident. At the time I was not covered by medical insurance so the policy I was under covered the bills plus sought reimbursement from the other driver 's insurance company. There was some confusion around this as the hospital and insurance companies failed to communicate with each other properly. 

I have not heard from any parties re : this matter until 3 weeks ago when I received a notification on XXXX of my credit monitoring services that a debt collection agency had filed a collection account with all XXXX credit reporting bureaus. I had not received any mail, email, or phone call from this agency threatening such action and at the time, I had no idea what the debt was relating to. After sending a request for debt validation, they sent me a copy of the hospital invoice which states quite clearly " no response '' from insurance company. 

I contacted XXXX ( my insurance at the time of the accident ) to find out what was the outcome of the claim. Their response ( which I have in email ) states that all debts had been paid to the hospital, but they had the case still open on their system because there may have been a double billing issue ). 

I have already been penalized XXXX pts on my FICO score because of this matter which has caused me to cancel a consultation re : a personal loan for my wedding on XXXX XXXX, XXXX because of a significant hike in interest. 

I will be informing said company in the coming days that they need to take immediate action to rectify the damages to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: SEMPER HOME LOANS, INC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
After doing a refinance, I received a deceptive mail piece. It looks like official paperwork. But it is a trick to get you to call semper home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Their investigation did not fix an error on your report

Complaint:
On my Experian credit report, it shows XXXX as the merchant with no telephone number. I reported it fraud to XXXX  and XXXX  which they removed it promptly, but Experian won't. I have no idea who XXXX  is nor do I have any means to contact them. Bottom line, it is a fraudulent account and I demand it to be removed. 

On my Experian credit report, it shows XXXX XXXX that is in a charge off status. I reported it as fraudulent to all three credit bureaus which XXXX  and XXXX  removed it, but Experian did not. I have no idea who's account this is and I demand it to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent all required mail to the main three credit bureaus ( TransUnion, XXXX, and XXXX ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( TransUnion, XXXX, and XXXX ) immediately. 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 non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-09-08
Company: EQUIFAX, INC.
State: MA
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 am affected by the Equifax data breach of XXXX XXXX. I ca n't believe these XXXX ca n't even keep their XXXX secure. XXXX em.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

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 2016-03-11
Company: Russell W Richardson, Attorney at Law
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a call at my place of employment. They tried to scare me when they first called stating, or good, is this ( he proceeded to say my name )? I need your human resources department if you do n't have 10 minutes for me to transfer you to our legal department. I asked who he was and what legal department. He raised his voice and said I already told you who it was, DFC Legal Services. I asked who that was and who the supposed debt was too. He proceeded to talk over me and told me he hopes I was aware that our call was being recorded, and I said good. I asked again who this debt was supposedly to and he said he could n't tell me but I needed to call XXXX ext XXXX. I proceeded to tell him NEVER to call me at my place of employment again or I would be fired.

Company response to consumer: Closed