BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. 
Thank you

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 2022-02-16
Company: Midwest Credit & Collection, Inc.
State: IL
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've tried to rectify the issue with the third party creditor but they refuse to follow the law. in the past what papers were mailed to me THAT DID NOT BARE my signature of any kind that gave my express permission nor right to collect any debt from me. 

From : XXXX XXXX To : Midwest Collections XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR VERIFIED DOCUMENTATION FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) FAIR CREDIT REPORTING ACT ( FCRA ) ACCOUNT NUMBER : XXXX ALLEGED DEBT : XXXX To whom it may concern, This is XXXX XXXX writing in regards to the unpaid debt on the derogatory account listed above, which I intend to dispute and attempt to correct your records. By sending this letter I both dispute the validity of this alleged debt as well as the validity of claims against me. Please be aware and understand that any and all information that I receive from you will be used and collected as evidence should any further actions be necessary. Also be aware that non-compliance with my request could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of alleged debt or competent evidence that bares my signature that shows I have a contractual obligation to pay your company. 
I hereby DEMAND that your company provide me under penalty of perjury with the following verified documentation : 1. Both front and back of original alleged contract/ agreement/ promissory note in its entirety, including any application. 
If requested files cant be provided then your claim violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the claim of alleged debt owed be removed from all credit bureaus in 30 days of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been an AmericanExpress customer for over 25 years. In the 25 years I paid my account balance in full each month. In XXXX I was getting bombarded with solicitations from AmEx to open a new credit card account which offered 2 % XXXX % cash-back reward on each transaction made on the card. AmEx website is still promoting this card on their website. In XXXX I applied for and received a new AmEx XXXX XXXX XXXX card with the cash-back reward offer. Over the course next 2+ years I used the card for tens of thousands of $ transactions. At end of each month during these 2 years I paid off account balance in full. AmEx records would show that full payment on this account were made every month, until XX/XX/XXXX. Despite having paid off my balance every month in full, AmEx did not credit my account a single $ for the cash-back rewards, not once in the 2 years. In XX/XX/XXXX I closed this account. The XX/XX/XXXX statement from AmEx shows the cash-back reward balance AmEx owed me was {$1700.00}. I have written to AmEx multiple times in the last few months to reimburse me the cash-back reward as per the terms of this account. To date I have not received any cash-back reward from AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint is a restatement of the fact that Ocwen Financial Mortgage refused to acknowledge any court documentation, subpoenas or correspondence from their lawyers XXXX XXXX XXXX to my lawyers XXXX XXXX and XXXX XXXX of XXXX, Ohio. All of these legal forms were submitted from attorneys with loan numbers and the XXXX County Court of Common Pleas seal at XXXX.
Ocwen assigned XXXX XXXX of the Florida location who demonstrated no interest to the correspondence from CPFB and closed the case with a letter stating there was no lawsuit against me. The paper work indicated that XXXX XXXX XXXX owned by XXXX XXXX  had assumed mortgage assumption and refused to pay the bank for the property. I presented the contract and I was sued by Ocwen.
Finally, I was responsible for the legal fees, the homeowners insurance, the utilities and up keep of the property as this suit remained in court for almost two years. I have records of the amount of monies that I spent at XXXX XXXX XXXX XXXX, Ohio parcel # 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 2022-07-07
Company: Experian Information Solutions Inc.
State: MS
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:
Experian continues to report an account inaccurately, when XXXX and XXXX reports it as been paid and closed. The account type doesn't match, date opened doesn't match, high credit doesn't match, credit limit does match, payment status doesn't match, last reported doesn't match, date last active doesn't match, date of last payment doesn't match. All of these things should match across all XXXX credit bureas and they do not. 15 U.S.C SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C SECTION 604 A STATES I HAVE THE RIGHT TO PRIVACY.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
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 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 an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2017-08-19
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 'm confused as to why MDS Tradeline REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with XXXX as well as MDS however to no avail. XXXX said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with MDS knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XX/XX/XXXX and I have given MDS as well as XXXX more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.

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 2017-08-19
Company: ABR Recovery Services LLC.
State: KY
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 attempted multiple times to have ABR Recovery Services quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. 
I have supplied this documentation to ABR Recovery Services and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, XXXX and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " XXXX ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
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 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 an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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 2022-07-07
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:
I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found some inaccurate reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2017-08-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American express has frozen all of membership points for no reason at all. I have called several times and they keep telling me it will take 6-8 weeks for someone at corporate to review my account. I believe they have " randomly '' picked me out just because of my XXXX name. I can not find another reason for them doing this.There is no reason that ALL my XXXX membership rewards point should be frozen and this includes all my membership points accumulated, going on for several years now. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 'm confused as to why XXXX XXXX REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with Equifax as well as XXXX however to no avail. Equifax said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with XXXX knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XXXX and I have given XXXX as well as Equifax more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Army and Air Force Exchange Service
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Wrong address. No activity. Asked for a card. Interest building? Credit card default.

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 2022-07-07
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:
XXXX XXXX XXXX  ( DUPLICATES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DUPLICATES ) XXXX XXXX XXXX ( DUPLICATES ) XXXX XXXX XXXX XXXX XXXX XXXX ( DUPLICATES 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 2022-07-07
Company: EQUIFAX, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge1263 XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXXXXXX CARD  XXXX, XXXXXXXX CARD XXXX, XXXX CARD  XXXX, XXXX CARD XXXX, XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XXXX I looked into Transunion 's website as it promised that I could look at my credit score once a year for free. As I made my account it asked for my credit card information and I felt a little weirded out, but I assumed they needed it to pull up my credit information and verify who I was, as that 's what the page acted like it was doing. On XXXX XXXX I was charged XXXX for Transunion 's membership service without ever being made aware that I was paying for a service. There was nothing on the page that said I would be paying anything, let alone XXXX. Today, on XXXX XXXX, I was going through my finances and looked at my credit card to realize I 'd been charged XXXX for their membership that I did not agree to. It was incredibly difficult to navigate their website and to cancel my membership, it was hidden in the FAQs, and it seems that they 've had this problem before seeing as how this year you made Transunion and XXXX pay refunds to thousands of customers who have had similar experience. There is no way to contact Transunion online and I do n't want to navigate their foreign-based customer service or send them snail-mail that is not guaranteed to get there or make it back. Thank you for your help.

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 monetary relief
Consumer complaint received 2022-07-07
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I had load XXXX different deposits of XXXX each. I made my reinstatement fee of XXXX dollars payment to XXXX XXXX online. I got a confirmation payment was successful. XXXX weeks go by and I get a letter from XXXX for a notice of a dishonored check in the amount of XXXX dollars. Chime said on XX/XX/XXXX when they went to debt my account the money wasn't made available them. But on the XXXX the money was deducted from my account but yet chime never paid the payment. There's no record any more on chime. But I have an online receipt proving I made the payment the XXXX. Chime has refused to make it right and said they did nothing wrong. They robbed me for XXXX dollars and I still ca n't drive and have gotten numerous tickets for driving without a license when I paid it off. It has ruined my life not being able to drive. All these legal problems are overwhelming and extremely depressing. I just want my life back and reincompensated for everything chime has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
I am a victim of having my personal information leaked in the Equifax leak announced in XXXX 2017, as verified personally on their website, https : //www.equifaxsecurity2017.com. Information leaked, according to the company, includes my Name, SSN, Address, birth date, and credit card  numbers. A leak of this scope and nature puts me at critical risk of identity theft and potential ruination of my entire personal, financial and credit status.

Company response to consumer: Closed with explanation