BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: ENCORE CAPITAL GROUP INC.
State: IN
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 have spoke with midland credit management and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged.

Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with GLBA and how it entitles them to report my non public information. According to GLBA, as attached in the documents, you are still violating my rights and this instance does not fall within the GLBA guidelines as an exception.

Remove this account immediately and pay the {$1000.00} per violation I requested last time for each time this has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: 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 received an AMEX gift card and the AMEX gift card will not work at any store or online. I contacted the company using the number on the back of the card and they said wait 48 hours I waited 72 and tried again. Didnt work at XXXX so I tried XXXX XXXX then at XXXX XXXX all transactions lower than the gift card amount. I called back and they said I needed to wait TWO WEEKS this time and try again. I wait the two weeks and two days just to be sure and tried the card at a completely different location this time. The card will not work anywhere so I call back tonight and the man says that my card has been blocked by all the places Ive tried the card and that I need to contact the merchants to have them remove the block. I believed him, so I contacted the merchants and the merchants contacted supervisors and engineer teams and everything and they said no such thing is happening and that I need to coordinate with American Express. Beyond frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got notification from Jefferson Capital that they have taken over a charge off loan from XXXX of XXXX ( loan ID # XXXX ). supposedly taken in XXXX either Jefferson Capitol is fraudulent and/or this debt was charged fraudulently. 
1 ) I have NEVER opened an XXXX XXXX XXXX ) I have NEVER CHARGED anything through XXXX 3 ) This was charged back in XXXX and I have NEVER received ANY NOTIFICATIONS from XXXX until now in XXXX which came with the documents sent by Jefferson Capital. The purported documents sent by XXXX through Jefferson Capital have no dates, address or any other identifying information to verify that this is indeed from XXXX. 
4 ) These billing documents supposedly sent to me I NEVER received. This is the first I am seeing them, again 2 years later, from Jefferson Capitol.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BARCLAYS BANK DELAWARE
State: CT
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 signed up for a XXXX XXXX with Barclays Bank, using my existing XXXX frequent flier number. The bank offered a bonus of XXXX miles after spending at least {$2000.00} within 90 days. I met that requirement in less than 60 days, and paid my balance in full. After waiting for the miles to be posted to my account, I contacted the bank, and was informed that the miles had been posted. I then noticed that the bank had an incorrect XXXX frequent flier account on my credit card. I again contacted the bank to inform them that they had the wrong number. After SEVERAL phone calls, I was told that the bank had created a new frequent flier account with the airline, and hadn't bothered to tell me about it, or supply me with a password to access the account. The bank refused to correct its mistake, and I had to contact XXXX XXXX several time to gain access to this new account. Once I finally gained access, I saw that my XXXX miles had not been posted to the account. When I contacted the bank AGAIN, I was told that I was wrong, and that the miles had been deposited. I'm getting nowhere with Barclay 's Bank. I've spent more than 6 hours trying to resolve this issue, but the bank acts with impunity. Please revoke its ability to operate in the 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 2019-06-28
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: Account status incorrect

Complaint:
I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional 28 points from the original 60 that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake

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 2022-06-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX  score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last XXXX months XXXX, Equifax and XXXX never updated my credit score on a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months XXXX, XXXX and Transunion never updated my credit score on a timely manner

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 2019-04-07
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX is an account that does not belong to me. I called XXXX  only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Chime Financial Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, I closed my credit builder account with Chime Bank, which had a positive balance of {$500.00}. I was told I would receive my cheque within 7 to 10 days. To date and over 30 emails and 17 calls later, they are continuously asking for the same information. I even tried changing my address, and despite sending my personal information to them over seven times they refuse to change my address. I eventually told them to send it to the existing address on file and today XX/XX/XXXX, they continue to refuse to send my funds by telling me my account has a No XXXX sign. I don't even know what that means. I have been locked out of their app since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, XXXX  the merchant XXXX issued me some refunds in the amount of {$99.00} {$49.00} {$69.00} {$4.00} {$9.00} {$59.00} {$49.00} {$49.00} {$99.00} {$1.00} {$9.00} {$49.00} = {$550.00} on XX/XX/2023 my checking account was closed and Im trying to contact the bank via email and phone calls and all they tell me is my account is closed nothing about my funds that were refunded to me by the merchant. I need my money and when will I get it. Then on XX/XX/XXXX XXXX the merchant also issued me a refund for the amounts of {$19.00}, {$9.00}, {$1.00}, {$4.00} and on XX/XX/2023 are {$24.00}, {$24.00}, {$39.00}, {$39.00} a total of {$160.00} but my bank account is closed so where is my money at or whats happening to it and they wont provide me with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: NCB Management Services 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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-05-11
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After opening account in XX/XX/2023 I don't have access to my account. I filed complaints via customer service and at the branches in XXXX XXXX, Mt XXXX and XXXX. No response or past 4 months. Wasted time to go back and forth between branches. Everyone customer service tells me to go to the branch to fix the issue and branch tells me it's not branch problem filing another complaint with request of calling me back. I can't get any info through customer service I can't make deposit via mobile app, I can't get support because they can't access my information about account and they want me to charge money for making deposit via mail. It's an XXXX and XXXX on customer who has nothing to do with their internal system. My account will be charged service fees since I can not use account. They do not have number for corporate office. Everyone in the bank gets paid salary but there is noone to fix the problem

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 2023-05-11
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
date : XX/XX/2023. 
amount : {$1800.00}. 
i did file a dispute for the unauthorized charge and chime denied my dispute and fail to provide me proof of why are they denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The current servicer, Fay Servicing, is claiming interest owed going back to XXXX. I did not receive any mortgage statements from XXXX until XXXX. XXXX XXXX claims to have purchased my loan in XX/XX/XXXX. I never received notice of this transfer in ownership. The previous creditor ( unknown ) did not issue monthly mortgage statements and therefore does not have the right to collect interest during this time period. 

Fay is violating the FDCPA by attempting to collect on a debt where the statute of limitations has expired and by attempting to collect on interest that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : 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 etc, XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-12
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is the most dishonest company I have ever found myself mixed up in. They are continuing to violate FCRA standards by reporting a dissolved account. 
The involuntary repossession took place over XXXX ( XXXX ) years and they continue to renew.

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 2021-10-28
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX 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 explanation
Consumer complaint received 2022-06-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Requesting assistance in recouping {$4100.00} that was erroneously withdrawn ( stolen ) via our escrow account on XX/XX/2022. We have exhausted every personal effort to resolve this matter beginning XX/XX/XXXX to current with Mr. Cooper ( mortgage company, but are not getting anywhere. 

My wife and I are both military service members, and we were fortunate to purchase a new home last XXXX from XXXX Homes using her VA Loan. At closing we opted to impound a little over $ XXXX into our escrow account that was serviced initially through XXXX Mortgage ( See attached Escrow Closing Doc ). 30 days following closing our account was sold from XXXX Mortgage to a mortgage company that goes by the name of Mr. Cooper. 

On XX/XX/2022 they removed {$4100.00} from our escrow without authorization and/or notification. They have been unable to provide cause for removal or tracking regarding where the funds were placed.

Company response to consumer: Closed with explanation