BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
NOTE : This was the closest category I could use. It does not accurately describe the issue. 

Regarding American Express account XXXX. 

The XXXX year end summary provided me has a negative balance in the amount $ ( XXXX ). In XXXX there were charges totaling {$1100.00}. American Express therefore owes me {$310.00}. 

I have spoken to associates, supervisors, and even their executive office. They acknowledge the issue. However, they do NOTHING but send me statement copies from XXXX AND bills with new late charges. More than one supervisor has stated that they would audit my account and provide the results to me. This has not happened, and is really a moot point. They could go back to the day the account was opened XXXX XXXX  ago, and audit every month. On XX/XX/XXXX, the balance would still be negative {$1400.00}, and they would still owe me {$310.00}. 

Despite this, and despite having a dispute against they balance they THINK I owe, I have been subjected to threatening collections emails and phone calls. 

As noted, and as a last resort, I contacted their executive offices. Initially I was told that reoslution would come in three business days. The next business day, someone emailed and stated that they would contact me in four more days. On the fourth day, at the end of the day, that person emailed and stated she was not finished investigating and would be in touch " when more information was available. '' Since then I have received yet another bill, with yet another late charge.

I have repeatedly told American Express that they need to send the money they owe me. I have emailed the " executive office '' person several times and stated this. All they do is ignore me.

I believe that two things are clear : ( 1 ) American Express owes me money and ( 2 ) American Express is engaged in unfair ( and possibly illegal ) collections practices. Of course I have to wonder how many thousands of others American Express owes money to. 

I will attach the XXXX  year end statement, downloaded from the American Express website. If you total the CHARGE column ( Column E, the result will be XXXX. I have also attached a screen print, taken from the American Express website today, showing charges of {$1100.00} Please advise as to what you can do to get me my money and to stop the collections. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
Account information comments/remarks are reporting incorrectly/erroneously from Midland Credit Management. This collection agency continuously reports the account as " Account information disputed by consumer '' in the comment/remarks. 

I am no longer disputing the account information and have expressed this to the collection agency 's attorney ( XXXX XXXX XXXX ) on several occasions XX/XX/XXXX, then again XXXX XXXX and XXXX XXXX to discuss payment arrangements with each call. 

I have contacted all three credit bureaus to have these dispute comments removed several times and each time the credit bureaus complied to my requests to remove the comments, but Midland Credit Management and/or their collection attorney ( XXXX XXXX XXXX XXXX adds the dispute comment back onto my credit files each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent a letter to you on XX/XX/2023. Its been more than30 days since I contacted you, and still have not heard back from you.

So, in accordance with the fair credit reporting act XXXX accounts that is listed in the letter, 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 an account without my written instructions.

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 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account multiple times. The account is child support I never volunteered to be a part of this program and was coerced into it. Furthermore the dates on the XXXX credit reports dont match as I have uploaded the proof via screen shots of my credit reports and fico reports. 

Also please note that this account is on my report XXXX. Once as NY XXXX and the second time as child support. XXXX saying the account is open and the other saying the account is closed but has an updated past due amount. Both of them are the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity bank has been down since last week. No access to online account to make payments, check balance and card is being declined. They did not inform their customer everything would be down for more than a week and can not provide an non generic answer. This seems like they were hacked or held for ransom and are not notifying their customers. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal.

In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account.

I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2022-06-28
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the past week, I have been trying to log in to my Comenity account to make a payment. I have the Children 's Place credit card which is serviced through Comenity. There is NO way to get through to them as their website says, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I try to log in with my credentials, I get an error message that says, " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried to reach out via telephone using the number listed on their website and receive a message that states the same thing about ".. .undergoing a planned system update that is taking longer than expected... '' It then automatically hangs up the phone after the automated message and there is no way to speak to any sort of human contact or make any payment. 
I did a XXXX search and see that they have given the same generic automated message as an update on their XXXX, and they are not answering consumer questions regarding how they can make their payments. 
We are worried about not paying our accounts and being hit with late fees due to their negligent actions. There was no information passed on to consumers that there would be an update performed, and there is no information being passed on to consumers now about when to expect to be able to do anything regarding our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: LA
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 have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.

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 2022-11-30
Company: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. According to contract Law, US. BANK has no right to collect on this account. They do not have the original promissory note. 

2. Promissory note is false. 

3. It is stated that we have received funds from a lender. We do not have any records of a {$190000.00} check deposited in our bank account at time of purchase. 

4. Im reporting Fraud on a loan that U.S BANK is looking to foreclose through XXXX, XXXX XXXX XXXX XXXX and whomever working on the case : 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 2022-06-28
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible when they didn't do a proper investigation. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy 15.U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give anybody written instructions.

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 2023-11-13
Company: EQUIFAX, INC.
State: FL
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 OTHER 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 extortion. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed account XXXX on my consumer reports with the 3 consumer reporting agencies and my results always result in a update or verified as accurate. 
XX/XX/XXXX I got all new reports from XXXX XXXX and XXXX and I noticed inconsistent information in regards to the federal running of reporting expiration date. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX with the date of 1st deliquency reported XX/XX/XXXX. 
since I cant get through to the consumer reporting agenies I decided to contact XXXX with a direct dispute under XXXX regarding this error. 
XX/XX/XXXX I wrote XXXX putting them on notice of this inconsistent error and also putting them on notice that a data furnisher is PROHIBITED to report any inaccurate, incomplete and inconsistent information after they have already been put on notice from this direct dispute XX/XX/XXXX they responded by requesting additional information from me in order to help them verify my identity? they asked for my residence from XX/XX/XXXX, the last 4 of my ss, my full birthdate, the credit limit on the account, the date or amount of the last payment and the account opened date. at the top of the letter they also notated the account number ending in XXXX with a INCORRECT mailing address. to my understanding if this data furnisher wants to report on my consumer reports then shouldn't they have all the information they requested from me in their files? this is not making any sense. I've sent them copies of my consumer reports regarding this account so they can see there inconsistent and inaccurate reporting. that should be enough to complete there investigation with the information they supposably have under my name. by XXXX sending me this correspondence, it proves to me that they dont have my information on file enough to report this account. if they lost paperwork in their files pertaining to this account then why dont they just say that? it is not my responsibility to give them private information and the burden of proof is not on me to prove. there furnishing this account to the consumer reporting agencies therefore they should have the requested information on file. this account seems to be not valid in my opinion all while inaccurate and inconsistent information is being reported to the third party consumer reporting agencies. I have also included my response to XXXX regarding there correspondence letter XX/XX/XXXX putting them on notice that this account is not valid and I demand a deletion.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING MY CREDIT PROFILE. 

NAME : XXXX XXXX DATE XX/XX/2021 PLEASE I NEED THIS UNAUTHORIZED HARD INQUIRY TO BE DELETED INMMEDIATLY.

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