BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian and I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. The late history should not be showing 30 days late because I think I paid on time. Please update the late payments from this account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: WLCC
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had went online and put my information into a payday search engine and they will not stop contacting me. They call me at my job and on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-03-13
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Professional Placement Services, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fees

Complaint:
Received {$50.00} prepaid card AMX when bought cell phone 2 years ago. Exp. XX/XX/XXXX on card. Went to use yesterday, and find out they have been charging {$4.00} per month fees since XXXX 2016, and now I have almost no money left. They claim they emailed with info. I never received said information ; and had changed my email address. I never thought to inform them, since it was a prepaid card. They say tough, they informed everyone via email they had on file. Never received anything in writing by mail. Seems like these fees should be documented via return receipt verification. They will not reimburse the fees. Funds do n't expire, they just steal the money using what they call legal fees. I would have spent the money earlier if I had known the fees were adding on there. Outrageous that these CC companies can charge this on prepaid money.From : California Code of Civil Procedure Title 10, Chapter 7 - Unclaimed Property Law 1522. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted numerous letters to XXXX XXXX, XXXX and Equifax over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX  which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery is stating I opened an account with XXXX XXXX XXXX in XXXX of 2022  and I never opened an account with XXXX XXXX XXXX in XXXX of 2022. I want this deleted from any credit report this affects because it is incorrect and the allegation is false. 

I, XXXX XXXX, a consumer, am notifying you that I dispute the debt pursuant to 15 USC 1692g. The one listed on my credit profile states it was opened XX/XX/2022 and the amount says {$1100.00} with a contact address of XXXX XXXX XXXX XXXX, FL. XXXX. It is alleging I opened an account with XXXX XXXX XXXX in XXXX of XX/XX/XXXXand I need you to provide me the notarized contract proving this and as you know, it must include my wet signature. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number ; I do not recognize the account status. I also do not recognize the account high balances, nor the late payments associated with this alleged debt. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 
Since this alleged debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you were paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
A discover call center representative informed me that for a payment of XXXX they would remove the charge off from my credit report I made the payment yet this information is still showing and discover is reporting as accurate I would like this information reviewed and the call pulled up if possible I feel that it is unfair for discover to just lie to its customers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. 

I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. 

The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. 

I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I truly am confused by your lack of compliance. I informed you there are errors & inaccuracies on my credit report & requested ALL documentation to prove the account was100 % true, accurate, correct & VERIFIABLE. In your investigation, you claimed to have to VERIFY this account? Fantastic, WHERE IS THE PROOF? I HAVEN'T SEEN ANY EVIDENCE OF VERIFIABLE PROOF. Please provide me with ALL VERIFIABLE PROOF. If you are unable to provide copies of the agreement which bear my signature then I need the account removed at once. 

Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.

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 2021-03-13
Company: EQUIFAX, INC.
State: KS
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from XXXX XXXX for {$19.00} and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over {$1000.00}. So I contacted the bank and disputed the charges, about a week later I got the funds placed in my account and was told the case was closed. Then almost two months later I received a letter stating that my son had a prior relationship with the XXXX store and since this was the case he must have made these purchases. I assured them that he did n't as I checked his XXXX and there were no games on there because he does n't buy games online, he likes to have the case and disc. So as I had closed out my account before they could take the funds out, they decided to accept my direct deposit anyway and took all the money back throwing my account into the negative because of this I was also charged several banking fees for transactions they paid knowing that I had no funds in my account to cover these charges. So now my account is almost - {$900.00} and I have changed banks. They have continued to pay bills and I was then told to get a police report to release the bank from responsibility. I did that and waited ten business days as I was told, then I called back and got the same answer. My son must have made the purchases. So I asked them for proof, and they said for me to contact the playstation store, which I had already done and they said they can not provide me with such information. I do n't understand if someone was spending almost {$100.00} a day on a website why the bank had n't contacted me earlier, and they said that is not their job. It is my job to keep track of what is going on with my account. I said so you are n't responsible in helping to cut down on fraud, and they said no that is my job. I am so angry that I have switched banks and will never go back to this bank, but I am still out over {$1000.00} with no explanation or apology or anything at all resembling how a business would handle such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: NJ
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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:
I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a credit score notification stating my card had been charged off and my credit score decreased. I had spoken to COMENITY bank regarding my account for Victoria 's Secret and XXXX stating that I was out of work due to COVID, and they gave me time off from payments back in XXXX of XXXX I was working with XXXX XXXX  at the time, and Comenity said they would give me a deferment, but they charged off my accounts before that deferment had passed. Ever since then, I have been receiving calls everyday, sometimes up to five times, asking for more money. This month they expect me to pay twice, and are threatening legal action, but i TOLD XXXX XXXX that I am out of work. and now I am receiving threatening calls stating that my account will be escalated, but they won't tell me what that means. 
I have told them repeatedly that I havent found a job yet but XXXX XXXX, the person " assigned " to me, won't leave me alone. She tried to tell me i HAD TO MAke automatic payments, that that is the only method of payment they will accept, but I never gave her my account information. And so today, XX/XX/XXXX, I see a pending charge from them for XXXX. I agreed to pay off but I am going broke and I have tried repeatedly to get them to just wait and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: DISCOVER BANK
State: SD
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
victim of ID theft and XXXX  and Transunion will not let me look at my credit online

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