BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since XXXX XXXX I have been consistently paying off my American Express balance at about $ XXXX a month after having gone through a unexpected emergency which saw my credit pushed to its limits. I never miss payments and XX/XX/XXXX was the first month Id ever failed to pay of the previous balance. 

Since then the balance on my account has been steadily reducing and my credit score been improving. Before making my payment last month to American Express I took advantage of their Plan It program offer reducing my overall balance and setting my minimum payment for about XXXX of my overall balance to XXXX  monthly. That was the XXXX of XXXX. 

On the XXXX of XXXX, I opened an email from American Express saying they were going to lower my credit limit if I failed to pay them {$1500.00} in three days. Having just 5 days earlier given them {$1000.00} for my due date I thought the email must be a scam. I checked my account messages and found nothing so I forgot about it. A week later I received another email saying they had indeed lowered my limit by {$4000.00}. Over double the amount my balance was reduced due to the Plan It option. Essentially raising my credit utilization more than it had previous been. 

When I contacted Amex about this issue I was first fed some lip service about why my limit had been reduced and then offered two options for resolution. The first an appeal, which was explained could be denied, or another guaranteed option for reinstating my limit paying them XXXX by mid XXXX. That is extortion. Plain and simple. 

This company who has, without fail, been paid every month, almost always above the min, offered my account an incentive to pay some charges over time ( for a fee! ) and then tried to extort another large sum payment after Id agreed to a XXXX minimum for a part of my balance. I had/have every intention to continue to pay far over any min, as I need to find a new apartment in the upcoming months and now will struggle to do so due to a reduction to my limit, affecting my credit score. 

Blatantly greedy, especially when the program is suppose to be a lifeline to those who could really use more time to pay off there balance. Please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury. 
2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.

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 2021-01-18
Company: EQUIFAX, INC.
State: MA
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:
Validation letters were sent out to XXXX XXXX on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I mailed a verifications f debt letter to National Recovery. On XX/XX/2022 they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX/beginning of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I received an Overdraft fee on my account. I was told even though two checkcard transactions were not posted to the account and were still pending, I got an OD for a XXXX transaction that occurred on the XX/XX/XXXX which left my account negative - {$1.00}. The fee was {$35.00} I called to see about getting the fee reversed Spoke to XXXX at approximately XXXX XX/XX/XXXX. Bank of America. representative refused to assist stating that BOFA does not do courtesy refunds, and this is not a bank error. However I believe it is a bank error. A deposit was scheduled to go into the account on XX/XX/XXXX however it did not show up until the morning of XX/XX/XXXX ( Convenient for the bank ). There was also two other deposits done through the mobile app, that were showing a posting date of XX/XX/XXXX. Because of the delay of the deposits, and also the bank allowing checkcard transactions to go through ( when I specifically did not ask for Overdraft Coverage ) I was charged an Overdraft. I told the representative this was a violation of the Dodd-Frank act which is supposed to protect consumers in situations like these and not allow checkcard transactions to go through, so that banks could charge fees. She disagreed, stating that it was the paypal transaction that was done on the XX/XX/XXXXthat I was charged a fee for, even though the amount was only {$1.00} in the negative and there was 3 deposits pending. If this is not abusive and predatory, I don't know what is! She told me if it was XXXX XXXX, then I would have still gotten a fee. After waiting a very long hold time, I finally spoke to a supervisor, named XXXX. He expressed he did not think the fee was predatory but just an oversight on my part and recommended that I keep a ledger to keep track of my transactions better. 

It may not seem like a lot of money, but the reason for my complaint is, if this could happen to me for one small fee and overdrafting my account for only {$1.00}, I can only imagine how many other people are being treated unfairly. This is the first time I have ever asked for a courtesy reversal, and also the first time I can recall ever having an overdraft. 

The representative was rude and cut me off several times mid sentence not allowing me to finish my sentence, and i was put on hold so I could register a complaint, and then put on hold again after asking to speak to a supervisor. The call in total lasted 1 hour and 18 mins, most of that time on hold waiting to speak to someone. Besides the poor customer service, this is completely unacceptable and in my perspective a violation of the Dodd-Frank Act.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 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 2021-01-17
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency is Hunter Warfield collecting for XXXX XXXX XXXX XXXX, open XX/XX/XXXX. 
We moved from this complex on XX/XX/XXXX. We got our keys to our new apartment & moved out that day. I had paid my rent in full in XX/XX/XXXX, & shouldn't pay them for XXXX. They claim we owe them partial rent. I believe, the management agency is angry because they wanted us to move out of our apartment to another building in their complex. There was an entire family group living in the five apartments in the building and they wanted our apartment also. Even though we had been living in the building before anyone else moved ... over 8 years. My husband & I decided to leave the complex and not take another apartment because of the racial harassment from tenants & management. We left the keys in the management 's night box. If anyone was staying in the apartment it was not us. 
I asked Hunter Warwick to send us information regarding this matter. I have not received anything from them. However, our credit report collection data is being increased annually.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2020, I sent a letter to Equifax asking them to verify their method how the account from XXXX was verified, I would like you to Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX XXXX. I was making payments through the XXXX XXXX ( XXXX ) XXXX run by XXXX. Their customer service center number is XXXX. I called them on 6XX/XX/XXXX to close my account. They had already collected my XX/XX/XXXX mortgage payment in the amount of {$1500.00}. They told me upon closing my account, they would forward my last mortgage payment to XXXX. For the next week, I checked my XXXX account daily and the payment never posted. I paid the mortgage from my savings account as to not miss the XX/XX/XXXX deadline for the XXXX payment. Since XX/XX/XXXX, I have constantly called the XXXX XXXX XXXX and asked them to refund my money. They continually tell me one of three things : 1 ) the money is being sent to my mortgage company, 2 ) the money is going to be send back to my checking account and should post in two days, 3 ) the money is being overnighted to me in a check to my home. I still do not have my money and now over 4 weeks have passed since I closed my account. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'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 bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Midland credit tried to sue me in XXXX. I hired a lawyer and the case was dismissed with prejudice. The lawyer and emails state that they can no longer harass me or contact me and they are still constantly calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It has been over a year of constant calls from ally financial about the amount they incurred by repossession of my truck. They ordered the repossession. I paid all of my payments and late fees in 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 2023-03-06
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I rarely use my XXXX XXXX card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XX/XX/2022

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