BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received today, XXXX/XXXX/23 a complaint from the XXXX XXXX NJ XXXX about a suit filed by XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( Attorney ID XXXX ) on behalf of American Express National Bank- which is NOT the credit card issuer. 
I reached out to American Express on XXXX/XXXX/23 via phone # ( XXXX ) XXXX I have made all of my monthly payments to American Express via their account portal, the most recent on XX/XX/23. They have accepted ALL of my payments. 
In speaking with the first representative, " XXXX '' employee XXXX XXXX she stated that the account is now being handled by an outside company called " XXXX '' - this issue at hand - ( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( 2 ) American express can not tell us WHEN it was transferred ( 3 ) the complaint is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay, not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
I was transferred to another representative, XXXX 's supervisor supposedly. His name was " XXXX '', Employee ID " XXXX ''. XXXX reiterated that the account was transferred to an outside agency " XXXX '' and that we would have to speak to them. AGAIN...... explained to XXXX .... 
( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( XXXX ) American express can not tell us WHEN it was transferred ( XXXX ) the complaint we received is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay -not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
XXXX was extremely Rude, belligerent, and unprofessional when we questioned why ( a ) if transferred to an outside agency, why they " American Express '' is still accepting my payments. ( b ) why I was never sent any notification of the Transfer ( c ) why I'm receiving a complaint from the NJ XXXX with a filing from an attorney NOT representing said agency but instead, Representing American Express! he disconnected our call! 
I am simply asking for information, a paper trail - that American Express seems to either not want to provide, or can not! Can someone please assist. as the consumer, I hae a right to the correspondence. 
I then spoke to another customer service Representative, " XXXX '', XXXX ID XXXX and she again, reading from a script, no doubt - would not connect me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Credit Systems, L.P. sent a notice on XXXX that we owe XXXX XXXX {$1600.00}. This amount was already paid for prior to us moving into a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 USC1681 Disputable hard inquires with : 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 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on. This hard inquiry 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.

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 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: 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:
Auto inquiries on my credit report I did not authorize

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 2023-04-23
Company: EQUIFAX, INC.
State: MI
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:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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:
This is a follow up of Complaint XXXX. 

Transunion had updated XXXX the balance to XXXX, thanks to you. 

But they have not changed the payment history for all those invalid lates that they are obviously guilty of placing. We all know payment history is 35 % of a consumer 's credit score, those lates from XXXX Account number # XXXX, is still affecting my credit profile in a negative way today. XXXX also saying my paid of car note is charged off, which obviously incorrect ( i will repost the evidence ). XXXX went ahead and deleted the account. 

I thought would beneficial for me in the long run to pay of my autos to have great comparable car credit. Transunion XXXX and XXXX made this a bad experience due to the fact that they FAILED AT DOING THEIR JOBS. We have our lives to live, we can't be worrying about the credit bureaus not doing their jobs, its Emotional damaging. 

I would rather they remove this account so i don't suffer anymore damages.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc 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 2023-07-10
Company: Experian Information Solutions Inc.
State: DC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy. Experian has violated my right to privacy and consent.

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

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

Experian has violated my rights and I ask that the late payment they're reporting on my XXXX XXXX XXXX account be changed to Paid As Agreed 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 2023-04-23
Company: Experian Information Solutions Inc.
State: UT
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 have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX XXXX with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use Experian and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX XXXX based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.

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 2023-04-23
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a {$75.00} prepaid card in XXXX from Myprepaidcenter. I was able to use the card once for a purchase at XXXX XXXX XXXX. Every subsequent transaction is decline at all vendors - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted Myprepaidcenter over the phone and they promised to issue a corrected card on XX/XX/16. I do not have a card and my new card doesn't work. I asked for a check for the balance of a little under {$70.00}. I haven't received either or any follow up communication. 

They do not have a consistent phone number available to contact an agent to resolve this type of complaint and endlessly direct me to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the 30 day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to 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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
The collection company threated me on leagel action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Double charging their customers, mental and physical abusing their customers. This is unethical to be treated like this. I have tried to explain my situation over and over again, and they do not care. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have too many problems with fiththird bank they don't know how to relay their problems right and they didn't really gibe me all the info on the account and it supposed to be overdraft protection thats a XXXX lie and its a crazy XXXX bank cause the app doesn't even work right

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the account balance and that I have been late multiple times with both XXXX XXXX and Experian. XXXX has most recently updated my credit report as of today XX/XX/XXXX to say I am behind XXXX dollars in my mortgage despite this being paid on time ( I paid XXXX 's mortgage on XX/XX/XXXX ). As of today, XXXX is claiming I am behind XXXX dollars and have marked this on my credit report. Prior to my last dispute they had marked that I was late for 2 years consistently! I have ben late in the past a couple of times past 30 days, but nowhere near this amount. I have been current on my mortgage if not paid extra payments for at least the last 6 months. This has ruined my credit ; I am not behind. I have contacted XXXX, and they keep saying they will call me back. The call center agent says they can not see where I owe any money and says I am on time. My statements also reflect that I am current on my payments.

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 2023-02-09
Company: EQUIFAX, INC.
State: MS
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:
A hard inquiry was made without my consent. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have called and nobody will answer have stayed on hold for an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TN
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 company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT  # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT  # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : 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 2023-06-03
Company: FC HoldCo LLC
State: AL
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:
Flagship Credit will not remove negative item from my credit report and car has been paid off. I have tried several times to have them remove it. It is interfering with my credit score.

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