BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
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: Their investigation did not fix an error on your report

Complaint:
These accounts do not belong to me. I have provided the supporting documentation, and still remains. Please remove these from my Equifax credit report. 
XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I was first made aware that the XXXX XXXX XXXX XXXX ( XXXX XXXX ) charged XXXX separate penalty fees totalling approximately {$820.00} for previously cancelled reservations to my American Express ( AMEX ) account. I made the reservations with the XXXX XXXX via the AMEX Fine Hotels & Resorts ( web portal ) and the reservations were guaranteed with my AMEX card. I cancelled these reservations in XX/XX/XXXX, months before the scheduled dates of the stay, via the AMEX web portal. I received cancellation confirmations for each reservation from AMEX travel. I have uploaded copies of my cancellation confirmations with this correspondence. For reasons unknown, XXXX XXXX charged me non-cancellation penalty fees on XX/XX/XXXX and XX/XX/XXXX. I have been an AMEX customer for nearly 10 years, and It is my custom to pay my AMEX card to " {$0.00} '' each month before the end of the statement cycle. As such, each month AMEX reports my account to the credit bureaus with a XXXX balance. Due to the erroneous charges placed on my account by the XXXX XXXX, and accepted by AMEX, my account balance jumped from {$0.00} to over {$600.00} in a single credit reporting cycle. This had a catastrophic effect on my FICO score, I have included correspondence received from XXXX evidencing the damage that AMEX has done to my FICO score. My credit score was damaged due to the negligence or willful disregard of AMEX and/or XXXX XXXX. Moreover, this is the SECOND time this has happened. InXX/XX/XXXX, AMEX has accepted a penalty charge from the XXXX XXXX for a cancelled reservation and it took 5 months for AMEX to resolve the issue. There is clearly a systemic failure relating to AMEX, its web portal, or its relationship with XXXX XXXX, that is harming its customers. Between XX/XX/XXXX and the date of this complaint, I have contacted AMEX call times and talked to numerous AMEX representatives, each one attempting to shift the burden of resolving this issue to another person or another department. Finally, on XX/XX/XXXX 2017, I spoke to a customer service supervisor who identified himself as " XXXX. '' I was on the call for a total of 40 minutes, most of that time on hold, before I was able to speak to XXXX offered to credit {$450.00} to my account as redress for my damage and the tremendous inconvenience I have experienced. That amount would not even cover my annual fee. This is NOT a fair resolution for this completely avoidable, recurring error by AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: MI
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX  XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: NC
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:
After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. OnXX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>
I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MO
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 am filing this complaint because Equifax, XXXX and XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Affirm Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this debt with affirm several times. This is debt that i do not owe. Ive never had any relations or business with this company. They continue to furnish this debt on my credit report and have failed to report this debt as fraud. They have violated several of my rights and broken several laws. I havent given affirm my written instructions or consent to furnish anything on my credit report. They continue to violate my rights. 
If these accounts arent deleted from my credit report WITH XXXX XXXX  i will file for litigation immediately. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also, according to 15 U.S.C 6802. No financial institution is supposed to share my information to third party people.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

i have not given these accounts ( below ) or affirm my written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX between XXXX and XXXX EST I was selling an item on XXXX XXXX XXXX and this buyer reached out to me that he wants to buy my item. 
I did sell an item before and it went smooth. Hence I trusted this buyer too. He has asked me for my XXXX email and he said hes gon na transfer the amount. Once he transfers the amount, I get an email from XXXX saying xxxx amount has been put on hold as this is not a business amount and deposit of {$500.00} has to be made to XXXX ( buyer ). 

I was suspecting the email, but it did not occur to me that its a fraud. Hence I make a {$500.00} payment and another email comes up asking to make another {$500.00} payment in order for the buyers funds to be released in my account. And the buyer shares two other email ids to send the amount to. 

I immediately called my bank and XXXX and they have mentioned the refund can not be made since I have authorized the payment. I request you to kindly consider the case and do the needful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: AZ
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 complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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 2017-10-19
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on XXXX XXXX 's internal site/emails on the credit card company s site showing they dismissed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself without any influence of a third party or agency.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX Trying to put a Credit Freeze on my moms account with Trans Union. She can not talk. I have Power of Attorney, but that takes time to mail in. I  want to add protection, but they refuse unless its her. I do n't want credit or information, just to place a freeze on her credit.

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

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 2021-07-22
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I asked the company to give me a payoff quote ( without interest ). I was told that I am not paying interest. Also, there is no grace period on the payment due which automatically charges a late fee of {$40.00}. I asked to change the due date and was told that I would have to process an ACH on the due date ( which could cause me an NSF Fee ) in order to change my due date. They have received 6 late fees total plus interest. The rep says that a machine answers the phone and it is possible that i won't speak with a representative and will be on hold or hung up on. Or I will get put back into the que.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, {$500.00} was withdrawn from my account from a check # XXXX thru XXXX XXXX XXXX XXXX. 

The check was paid to the order of an organization and apparently cashed by an individual. There is no bank stamp or any other information on the check In XXXX o XXXXXXXX I contacted the bank to resolve the situation. 
I received a letter with the bank image dated XX/XX/2021, and immediately called the bank to inform them that the check was fraudulently cashed, and they agreed to begin an investigation. Service Request XXXX. 

After 6 months and XXXX additional phone calls along with an affidavit from the intended recipient the bank has refused to return the {$500.00}. 

The bank is responsible for this check as it provided it and did not follow its own procedures when it accepted the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: BBVA FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Sim ple ( BBVA Compass ) bank  several months ago. I have kept my account in good standing, but once I notified them I had moved overseas, they said they would have to close my account within a month.   XXXX  Despite being  a U.S. citizen, and still being paid in USD, the y still refuse to agree to keep my account open. When I asked for an actual explanation, all they could really come up with is " our Terms of Use permit us to close accounts at our discretion ''.   XXXX  I have included screenshots of my conversation with a support person at Simple.

Company response to consumer: Closed with explanation