BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Lack of Knowledge : I have no knowledge of these accounts, and I have never entered into any financial agreements or transactions with the aforementioned creditors. The information provided is unfamiliar to me. 
Incorrect Reporting : The account balances mentioned are inaccurate. I have never received statements or correspondence related to these accounts, and I believe that this information has been reported in error. 
Request for Verification : I kindly request that you provide validation of these accounts, including any supporting documentation such as account statements, contracts, or records of transactions. I would like to verify the legitimacy of these claims. 
I understand that it is essential to maintain accurate credit reports, and the inaccuracies listed above are negatively impacting my creditworthiness. I am dedicated to resolving this matter promptly and ask for your assistance in investigating and rectifying these discrepancies. 

I request that you promptly initiate an investigation into these disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results of the investigation. If it is determined that these items are indeed inaccurate or can not be verified, I request their removal from my credit report. 

Please acknowledge receipt of this dispute letter and provide a reference number for my records. You may contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to discuss any further information or documentation required to resolve this matter. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I booked a four night trip through XXXX XXXX for a trip to XXXX, Florida for the dates XXXX XXXX XXXX. There were two payments to process, the first in the amount of {$640.00} in XXXX processed normally. The second payment that was supposed to process sometime in XXXX of {$620.00} failed to process due to credit limits on my Bank of America credit card. It is the companies policy to notify its customers of this, however, I was not notified. Instead my vacation reservation was cancelled by the company without my knowledge. I never got to go on my trip and when I tried to rebook the stay at the same residence it had already been booked by someone else. Neither Bank of America NOR XXXX XXXX notified me of the failed payment. The email address on file with XXXX XXXX is not a working email. I had informed XXXX XXXX of this several times prior to this issue. I even tried to change my email address but they would not allow me to due to the way the system is set up. Come to find much later after the fact XXXX XXXX tried sending two emails to a non deliverable email that I used 5 years ago when I was in college XXXX ) to notify me of the failed payment. You would think that once air bnb realized the emails were non deliverable they would have tried to contact me an alternative way ( via air bnb messages or through telephone ). But no they instead cancelled my reservation. Due to the hosts policy if a reservation is cancelled 2 days after booking they are entitled to 1/2 of the cost of the trip ( XXXX ). I understand this policy however I did not cancel the trip. It was cancelled on my behalf. Had the company contacted me through an appropriate means to notify me of the failed payment I would have resolved the issue. Instead, not only did I lose {$640.00} but I also lost at least 24 hours on the phone/messaging with airlines, air bnb, my bank, my family and the host trying to resolve the issue at hand. My bank, XXXX  XXXX, the host and the airlines did not refund my money. I am out at least {$640.00} for the reservation for a trip I never got to take as well as my non refundable flights as well as the time spent trying to resolve these issues. Not to mention, being treated like a liar and thief is not appropriate either. The host of the XXXX XXXX was extremely rude and unforgiving during this entire situation. I work 65 hour weeks and have very little time to resolve these issues. I do not appreciate the way my bank failed to resolve the disputed charge without even allowing me an explanation as well as the way XXXX XXXX has handled the entire situation.

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 2023-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
to start, I received a call from XXXX XXXX ( XXXX ) on my cell phone, given a phone number ( XXXX ) to call with a Document number. I called and was told I was going to be sued and taken to court if I disputed the amount owed ( {$2100.00} as told by them and be charged court fees which would amount to over {$5000.00}. I was given an option to pay in installments and given a monthly amount ( XXXX ) to pay within 12 months. If paid in XXXX lump sum, the price would be cut in half ( {$1000.00} ). I agreed and gave them my information and received by email a form with my credit card information and for me to review and sign for consent. There was no other information on the paper but it said it came from a document control service and dropbox. There was no other information. I received a text from my bank to authorize or not and I decided not to have the payment go through because it was suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company Medical Data Systems has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from Medical Data Systems. Medical Data Systems reported XXXX ( XXXX ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

Medical Data Systems -acct # XXXX for {$220.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Maybe I should contact an attorney and sue this company Medical Data Systems for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit bureaus.

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 2021-10-12
Company: CU Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cu Recovery is a debt collector attempting to collect a debt not owed. they violated my rights as federally protected consumer by not properly validating the debt pursuant to 15 USC 1692g, by using unfair practices like having their logo on the mails they sent me, pursuant to 15 USC 1692f ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: Waypoint Resource Group, LLC
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: ALLY FINANCIAL INC.
State: LA
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 name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-08-13
Company: EQUIFAX, INC.
State: MI
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:
This letter is yet another giving you formal legal notification of my DEMAND for you to CEASE and DESIST any and all ACTIVITIES in regards to the above notated derogatorily made known mis- information as it is significantly in infraction of requisites for lawful reporting much less substantially not provable in its certifiability of the mandatorily perfect correct and intact Metro 2 format compliant reporting in conjunction with the factually required perfect and physically verifiable valid and demonstrated truth of reporting, accuracy of reporting, completeness of reporting and certified compliance of reporting elsewise, mentioned here or not! might I remind you that ONLY PHYSICALLY VERIFIED VALID derogatory claims that are perfectly correct and completely certified compliant in its reporting, how divulged, and such are all MANDATORY CRITERIA for REPORTING, NOT OPTIONAL. I DEMAND that you PROVE each the Verifiability, VALIDITY, and CERTIFIED perfect Metro 2 format compliant reporting or else IMMEDIATELY REMOVE any and all derogatory data or facts supposed or elsewise revealed, now and in future. I here now DEMAND that you act in FULL ACCORDANCE of regulatory laws and standards of reporting practices, mentioned by me or not. ANY deficiency to do so is lawful dereliction of responsible and required reporting and will be deemed your WILLFUL disregarding of your behaviors and an unlawful injurious harassment of me and my consumer rights, for which I can and may indeed file civil suit versus you for a court-ordered resolution and monetary gains for me FROM YOU! TREAD lightly with your unproven claims not compliantly reported cooperatively disclosed! AGAIN, CEASE and DESIST all reporting activities for the above titled derogatory listed student loan account ( s ) and aspect ( s ) of said derogatory claims still yet unproven and not certified within requirements reputed. Surely you realize that it is ILLEGAL to or report misleading or unproven details, especially considering a composed consumer compliant notifying you of said issues so please annul the following illegally proclaimed allegation here and now because in FACT the below mentioned allegations suggestions of any delinquent and or derogatory-conditioned item ( s ) of allegation fail to meet even MINIMUM requisites of adequate reporting so black out from reporting now! Being my RIGHT, I DEMAND that you IMMEDIATELY DELETE and forevermore afterwards BLOCK the misreported misinformation highlighted in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When the COVID pandemic began in 2020 we entered into a deferral to have our mortgage payments put on pause until we could continue our monthly payments. The deferral payments were supposed to be tacked on to the end of the loan. Here we are 18 months later and we are prepared and very ready and willing, to continue our monthly mortgage payments. 

The paperwork I mailed in apparently has not reached Bank of America in their time frame. I called to get the address and was given an address that did not include the suite or included the department nor did I send it in the required envelope that I was u unaware of. 
Via the phone I was also told the payment amount was {$1700.00} which I called and paid. 

XX/XX/XXXX my husband gets a call saying our mortgage is in default because we didnt pay {$1800.00} and they dont have our paperwork on the deferral. My husband says no problem, Ill pay the extra {$100.00} right away. BOA says No, you cant do that, you must make another entire payment of {$1800.00} and you must now enter into Loan Modification! Mind you us entering into Loan Modification is highly beneficial for BOA! NOT US! And the most ludicrous part of this is that we Dont Need our payments lowered! We are Ready And Willing to continue on our same mortgage plan before COVID and pay the {$1800.00} that our payments will be from here on out. Why on Earth are we begging them to accept our payment?? Usually people cant pay and need help because they Cant pay we CAN and Want to pay! They want to force us to pay a lesser monthly amount and add 5 years of payments and interest to our loan instead! Because thats financially beneficial to BOA!! But thats a SCAM they are running on customers! All we want to do is add the 18 months of payments that were in deferment to the end of our loan and pay what they asked monthly! Unbelievable!!

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 2021-10-11
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/2021 on a XXXX flight from XXXX to XXXX I received from the flight attendant a promotional offer for a Jetblue Plus credit card offered by Barclays. The offer stated that I would receive XXXX points after spending {$1000.00} and paying the XXXX $ annual fee and then would receive another XXXX points after spending a total of {$6000.00} within 12 months of receiving my card. I thought that was a great offer and so I completed the application and returned it to the flight attendant. I then received my credit card from Barclays a few weeks later and began using the card. I encountered problems with Barclay linking my card to my XXXX account and had several discussions with Barclay representatives. In none of those conversations did Barclay reps tell me that the promotion I had signed up for had expired.

Three months after receiving my card, and after spending the required {$6000.00}, I called Barclays to see when I would be receiving the additional {$50000.00} advertised in the promotional brochure I filled out on the plane on XX/XX/XXXX. During the call, the rep informed me that that promotion had expired on XX/XX/XXXX and I would not be receiving any additional points. I explained that the application I filled out on the plane on XX/XX/XXXX promised a total of XXXX miles and I expected that promise to be honored. I also asked why no one at Barclays informed me that the promotion I signed up for had expired when my application was approved on XX/XX/XXXX nor when I spoke with reps on several occasions after that to clear up the problem with linking accounts. The rep said there is nothing they can do unless I can produce the paper brochure I had received four months ago on the plane - a completely unreasonable request since I had received my actual credit card and had no reason to hold onto a paper brochure. I asked why they would need this in any event since the specific promotions tied to an application should be coded on the application I submitted to them. I got no response. 

I subsequently checked the internet and found out that even though the XXXX promotion had stopped being advertised in XXXX on the Barclay site that this promotion was still available for sign- up in flight - which is when I signed. 
.

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 2021-10-11
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again it's XXXX XXXX XXXX. This time it's their cabe company, XXXX. For reference this is the last complaint I filed ( XXXX ). Similar to that complaint it also involves returning equipment. This may be a sign of a pattern of abuse, or just gross incompetence. Either way it's harmful and extremely annoying to anyone with as high a credit score as mine, XXXX. 

I cancelled this service ( XXXX ). On three different occasions I was told that they did not want the equipment back because it was obsolete. There are recorded phone conversations and confirmation numbers for each instruction not to return the equipment, so ultimately, after the third time I felt safe enough to discard it, so I did. Then, lo and behold, the harassment resumes once again.

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 2023-11-20
Company: EQUIFAX, INC.
State: TX
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 am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness.

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file.

Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and XXXX, and I believe it is imperative for your company to take immediate and effective action to rectify this matter.

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue.

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities.

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items in my credit file : 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 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: In progress
Consumer complaint received 2021-10-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

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 2021-10-12
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:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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