BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Harris & Harris, Ltd.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the XXXX XXXX XXXX XXXXXXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX  : XXXX ''. In which, I had not received any medical services at any of the XXXX XXXX XXXX XXXXXXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the XXXXXXXX XXXX XXXX. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express raised the annual fee for the XXXX card to {$650.00}. Via online chat I contact Amex to cancel card. While first contact was late XXXX, the date Amex made the fraudulent retention offer was XX/XX/XXXX. Amex offered either XXXX points or a {$400.00} credit if I were to spend {$3000.00} in the next 3 months. I asked how do I confirm registration for the {$400.00}. Amex replied 'nothing I need to do... and it's saved in the chat. ' I met the {$3000.00} spend on XX/XX/XXXX. I paid off the balance and contacted Amex on XX/XX/XXXX to inquire about when I would see the {$400.00} credit. At that time Amex stated there is no promotional offer and I referred them to the chat save above. The Amex response was I never officially accepted the offer to which I copied and pasted the converstaion of me asking " how do I confirm registration ... '' and Amex replying " nothing further to do.. ''. After back and forth the agent assured me I would receive the credit 8-12 weeks after I met the threshold date on XXXX, to which I confirmed several times " credit will be issued between XXXX. '' They confirmed this would be the case. 
On XX/XX/XXXX I followed up to see we passed the date and no credit issues. The Amex agent said they would take 8-12 weeks to REVIEW the situation. Only after much time and pressure Amex said they would respond within 5 business days. 
I waited the period indicated and then an extra few days, no update and no credit. 
On XX/XX/XXXX I contact Amex again and was forced to recap the entire scenario from XXXX to date, again. I was assured the credit was issued and I would see it updated within XXXX. I checked back on XX/XX/XXXX - NO CREDIT. 
XX/XX/XXXX start all over again with agent. Get to the same point where they apologize and " promise '' I would see credit in XXXX. Nothing from this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My original loan was {$6000.00} amount from statement. 
I was told that my 1st payment would be about {$150.00} more than my monthly payments for an admin fee. I questioned payments because I'm on a fixed income and before I finalize loan I wanted to know it would fit my budget, I was assured that it would. That was a lie. I have paid XXXX to date. In XX/XX/XXXX before my due date I contacted company to request late payment waived because I was going to be 1 week late with payment. I was told when my car was repossessed by them that this was an option when I explained that XXXX of the month, 1 day after due date I receive additional monies to complete payment. As soon as additional monies was available, I went online and paid. This was the first time asking but neither rep would acknowledge that I was told this. I asked to speak with the rep that I spoke with previously but told they were unavailable. I made payment as I said minus late fee. Per billing ; XXXX, XXXX, XXXX and XXXX it showed and unpaid late fee of {$30.00} with payment of {$440.00}. I made {$440.00} payment on XX/XX/XXXX. After that payment, they changed status of {$30.00} from unpaid late payment to part of loan payment which made the status of my loan payment as late and incomplete also charging me another late charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company responded it sent a PDF response to my prior complaint. 
The information on CFPB site is not complete. 
The " PDF '' doesnt pull up ~ also did they close ALL the cards, again I can not log in. 
I want the details for what cards were closed. 
And it states " monetary relief ''. I dont need monetary relief. This better not affect my credit, I just want them to reverse the interest not owed.

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: 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's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need XXXX  to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/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: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from my credit 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 2022-06-28
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: Their investigation did not fix an error on your report

Complaint:
There's 2 XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/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 2021-08-03
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt Comenity Bank off of my credit report even after they told me to get a police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: IN
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: GA
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 am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.

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: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought {$60.00} of stamps from USPS. USPS stamp store says delivery was made on XX/XX/XXXX. They were not delivered. The Manager of Customer Service ( XXXX XXXX XXXX ) for USPS XXXX confirms this and said according to the USPS tracking number the stamps were delivered to another address. Amex first credited me with {$60.00} and then reversed this. Two times I wrote XXXX XXXX, chief legal officer, explained this and gave her XXXX ' contact information to confirm what said. She has refused to respond. I emailed XXXX XXXX XXXXXXXX  and explained in detail again and asked to not be called but emailed. A XXXX XXXX from " executive office '' called and left a message. I left word to not call, but email, and to read the XXXX letters first. She again called back, asked me to take my time to explain everything, had not read the letters, and refused to contact XXXX to believe what I said. I told her to deal with me only in writing. The following day she against harrased me and called and left a message. I am XXXX XXXX XXXX and this is elder abuse. I have a more specific step-by-step outline I can email you. Amex believes USPS which gave them wrong information rather than a customer of 56 years with proof of USPS failure. I want Amex to stop harassing me and credit me {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-28
Company: AmeriCollect
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, AMERICOLLECT INC 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 604 A Section 2 also states, '' a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

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 2023-03-19
Company: EQUIFAX, INC.
State: OH
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 have tried to Dispute Multiple times With Equifax about Credit inquiries that were done without my authorization Credit Inquiries that need to be removed are listed below. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Information belongs to someone else

Complaint:
I mailed out on XX/XX/XXXX2022 and received no response from department of education/ XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Global Asset Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company has been contacting me for a year trying to get me to pay from a dispatch office which first contact was XXXX XXXX. The debt I owed is now in collections and they are trying to collect more then the amount owed. My debt is {$200.00} and the collector is asking me to pay {$1100.00}. They call me at all times of day and call my references and job I don't even work at. They are stating I will be sued and incarcerated if I do not pay them. I tried to settle it once but the payments were going to some off label company not the debt collector company. I don't have all the calls because of my call log history but I can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
To Whom It May Concern, I have a Nordstrom 's credit card and have used it without issue for a long time. Every month I get an email stating that my statement is ready, I always log in and pay the entire balance due, immediately. I get many emails, many of which are bills that I always pay on time and in full. During the months of XXXX and XXXXXXXX XXXX  I did not receive any emails from Nordstrom 's. I did not notice the absence of these emails, as if anyone would. The first I heard of any past due balance was in a letter from Nordstrom 's on XX/XX/2022. Upon learning of this, I immediately paid my balance due on XX/XX/2022. However, without any notice or courtesy contact, Nordstrom 's reported this late payment to all three credit reporting agencies on XX/XX/2022. On XX/XX/2022 I wrote a letter to the three major credit reporting agencies ( XXXX, XXXX, XXXX ) disputing this late payment. Also on XX/XX/2022, I sent a Certified Letter to Nordstrom 's disputing the information they gave to the credit reporting agencies. The actions take by Nordstrom 's have had a dramatic negative effect on my credit score which has created an undue financial hardship on me. I have reached out to Nordstrom 's in writing and by phone on many occasions. They have investigated and decided that their actions were accurate and will not remove this issue from my credit report. I hope that someone can help me fix this inaccuracy and keep me from being burdened by this simple little communication issue.

Company response to consumer: Closed with explanation