BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have asked American Express to stop soliciting credit applications from me for XXXX years. American Express repeatedly solicits credit applications from me. I have put my information on opt-out with XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX with Amex  and XXXX CFPB. I have added all of my addresses multiple times, i have included all of my email addresses multiple times, and i have asked to have my businesses taken off of the american express solicitation list. American Express repeatedly answers these complaints with boiler plate language insinuating that i am upset because they will not approve me for their card. Although, i am only asking that i be removed from the mailing lists and have my addresses opted out of solicitations from the cards. i have spent several XXXX dollars repairing my credit and receiving advice on how to lower my interest payments, reduce my debt, and to better manage my monthly budget and my finances. Yet, American Express still continues to ignore my requests to be opted out and continues to send me solicitations. I have dozens of complaints about American Express in my CFPB dashboard and they continue to market to me. I wish to be removed from all mailings at all of my known mailing addresses including ; XXXX XXXX  XXXX XXXX, NY XXXX. XXXX XXXX   XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX And XXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : Account Name : XXXX XXXX Original Lender : XXXX XXXX And XXXX XXXX Name : XXXX Date Assigned : XX/XX/2023 Original Balance : {$1000.00} Current Balance : {$1000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

Sincerely,

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 2023-11-04
Company: LEXISNEXIS
State: AL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-12
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
bank of america thinks they can steal my negotiable instruments and say there invalid, they had a blank indorsement, and idk why they are not letting me bank when all debts are prepaid.. and no one can pay anything only discharge and set off .. the fdic throws around XXXX of dollars at banks and i cant get a secured credit card.. 

how can i alter a postal money order when i purchused them also they must not know about the box rule, theres a box around the the purchase price .. means its not there.. also i submitted a claim for an expidited reclaim and they just ignore me. they said we had a contract and per the terms

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 2023-08-21
Company: Sentry Credit, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident of XXXX XXXXXXXX until XXXX XXXX XXXX I have been noticed by Assistant Property Manager that " We were able to deduct charges to have you even out with your Security Deposit. If you have any questions please feel free to reach out to me anytime. '' It leaned the deposit can cover all the remaining balance from my aspect. 

XX/XX/, I saw a collecting account from Sentry Credit showed in my credit report collecting {$2000.00} and the original creditor is XXXX XXXX, where I used to rent. I was confused about where it comes from, since the final balance is XXXX when moving out. Therefore, I sent an email and confirmed with XXXX XXXX on XXXX. They found that they made mistake in the system and charged me twice the rent {$2000.00} incorrectly and sent me back the corrected final account balance, which showed {$0.00} balance. 

However, before this conversation, this incorrect debt has been transfer to the third-party debt collection company, Sentry credit. Therefore, they are charging me something I did not owe. I reached out to them and provide the corrected final balance document. Sentry Credit replied they need to verify the final balance document with XXXX XXXX. During the time, I called Sentry credit few times and they replied that they are still waiting for response from XXXX XXXX. I sent few emails to XXXX  as well, they mentioned they did not received anything from Sentry credit. It has been months. Thats why I try to post in CPFB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: JMC Leasing Specialties, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We leased a car my husband an I together in XXXX  from JMC Leasing its not reporting my payments at all but its reporting my husband another car lot paid it out XXXX  an we got another car from XXXX an its on my report immediately Ive contacted JMC Leasing about them not reporting my payments an they said they would fix it that was months ago recently Ive written to the 3 major credit bureau about this problem Im having still waiting on response it started in the beginning reporting an all of a sudden it was off my report I have 2 loans on my report now for my 2 cars an they both are on there car has recently been paid off please help me my credit should be more than what it is it was a XXXX XXXX XXXX I contacted them several times about payments not being reported XX/XX/XXXXXXXX  an XXXXXXXX  an nothing has happen XXXX  was the man that I was talking to

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
This company ( XXXX XXXX XXXX ) is in violation of 15 usc 1681 section 602 A, states i have a right to privacy.also section 604 A, states a consumer reporting agency can not furnish a account without my written instructions.also section 1692c and b, i gave no prior consent to said debt collector, XXXX XXXX XXXXXXXX to furnish my information to experian are gave consent to experian to furnish my credit report to no company.Tryed to dispute said collections on experian website and its saying its already in dispute!!

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 2023-01-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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:
On XX/XX/2023, I disputed the credit report and got the report back with no data verifying the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-01
Company: EQUIFAX, INC.
State: NV
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 Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 u.s.c 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX 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 2023-02-28
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX XXXX : {$3900.00}

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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX XXXX # XXXX ( XXXX XXXX XXXX # XXXX ( XXXX  XXXXXXXX XXXX  XXXX ), # XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX  ), # XXXX ( XXXX XXXX XXXX, are violating 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief