BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2020-06-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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 information incorrect

Complaint:
The info being reported is incorrect According to FCRA the statue limitation has past. Original date being reported is incorrect. Aside from the fact it is not valid No documentation has been received proving the accuracy. No response regarding the proof of accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Good afternoon, I am a XXXX American Express customer and generally plan to pay my monthly balance in full each month. Recently, American Express advertised and promoted a service called Plan It, which allows for customers to pay purchases over time for a fee. In this instance, American Express was promoting this service for no fees to attract customers. 

On XX/XX/XXXX, I created a Multi Transaction Plan for {$5500.00} to be paid over 12 months with a monthly payment of {$460.00} and no monthly fee. This information can be verified in my credit card statement with a closing date of XX/XX/XXXX. 

Over time, I have noticed that it is easy to make payments to American Express using the app or website, but very confusing to see how payments are applied. 

The credit card statement with closing date of XX/XX/XXXX, shows that American Express applied payments to my Plan balance, something that I did not intend to do. Payments that were submitted that were in excess of my non-plan balance were applied to plan ( {$2700.00} ). The result now is that I have a balance of {$6600.00} due this month, rather than {$3900.00}. 

From my understanding, if I do not pay this amount, I will start accruing interest on my non-plan balance pursuant to my cardmember agreement. 

On XX/XX/XXXX, I called the American Express customer service telephone line indicated on my credit card to see if they could help. The first customer service agent asked a series of questions and indicated she could not help and transferred me to the plan department to see if they could assist. The plan department asked me the same series of questions and indicated they could not assist. The plan department also indicated they could not escalate the issue. On the same date, I signed on to my American Express account and initiated a chat with an agent seeking the same help. Two agents and one supervisor could also not assist. 

I am forwarding this complaint as I feel that it is confusing for customers to see how their payments are applied when they are making payments on their accounts with American Express using their online tools ( website and app ). Credit card companies should not penalize customers for paying early so that they can collect interest based on a confusing payment hierarchy that is not easily seen or understood. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi, my name is XXXX XXXX and i had just recently opened a Venmo Account because a close friend of mine was offering to help me pay my past dues for my vehicle and rent. Especially my vehicle since it was repossessed by the bank. XXXX. We're on a time limit by the XXXX of XXXX before the vehicle goes to auction.. it's all been a struggle.. 

My husband recently passed away last year on my birthday ; XXXX XXXX and after all that hardship struck my son and I. We were falling behind only a bit before he passed away but after, things started piling up on top of us XXXX after the other. 

So my friend had heard what had happened and offered to help me financially. As stated before, i never had a Venmo account so i created XXXX with the help of my son and had everything set up to the best of my abilities. 

Once that was done, the next day my XXXX XXXX sent me an amount of {$3300.00} dollars to my Venmo account and from there, started the transfer progress. The total amount includes what i owe to get my vehicle back and my rent for the month. 

Today, i received an email stating that my account will be restricted and my transfer was " completed '' and that i will no longer be able to use Venmo 's services because i was in violation of their user agreement. But the money is nowhere to be seen in my account. It said that it was supposed to be transferred by today the XXXX of XXXX but it hasn't. 

And as for why I'm being restricted and and suspended, The Venmo payment only listed it as " XXXX XXXX ''. So i don't know what happened. Please help, we need this money, i need my car back and i need to pay my rent.. I don't know what to do. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is about Bank of America disclosing sensitive beneficiary information by adding it to the addressee line of mailed correspondence. 

I recently updated my bank of America checking and savings account with a designated beneficiary. Subsequently, to my shock and dismay bank account statements arrived in the mail conspicuously displaying the name of my designated beneficiary right along with mine as addressees. From my perspective this unnecessary and unwarranted disclosure of my beneficiary is an outrageous breach of confidentiality. Accordingly, I immediately lodged my objection by email addressed directly to Bank of Americas XXXX, XXXX XXXX. As a result, I was contacted by representatives from the Executive Response Team. Unfortunately, the representatives didnt seem to have a rationale or remedy for the breach. Apparently, their sole purpose for contacting me was to affirm that the beneficiary addition to the addressee line of correspondence is Bank of America policy. 

At this point, I am left with the impression that Bank of America chooses not to acknowledge the potential for harm that could ensue from their unauthorized and unwarranted disclosure of sensitive beneficiary information. For me personally, this willful disregard for beneficiary confidentiality is entirely unacceptable. However, I want to afford Bank of America ample opportunity to reassess the impact of this intrusive policy before I take further action. 

My expectation is that Bank of America will expeditiously review and adjust its operation to actively safeguard my beneficiary information. In particular, taking the necessary steps to ensure that my beneficiary information is not viewable from outside the envelope of any correspondence, and confidentiality is preserved going forward.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information 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 explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major 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 2022-12-22
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of a scam using XXXX. The financial institution said they will not refund the amount because I authorized/ initiated the transaction

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 2017-05-07
Company: CITIBANK, N.A.
State: NJ
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:
In    2016 I  received several invitations via   XXXX   XXXX    and email to apply for a  Citibank AAdvantage  Platinum credit card. The invitations were address ed specifically to me and listed my current AA miles and what my mileage would be if I fulfilled the spending requirement. I was urged to apply before  XXXX  o f 2016. I called  the number on the invitation, informed the agent that I had previously held a  Citibank AAdvantage  card, and asked if I would qualify for the promotion - and I WAS TOLD YES. I applied in  XXXX , fulfilled the spending requirement and paid my bills in full and on time. When the miles did not appear in my account I began making inquiries via fax and phone.   Many phone calls and many hours later I have been informed that ( unfortunately, sorry for any inconvenience ) because I had closed an account within the past 2 years I would not get the bonus miles AS PROMISED. I am not debating the " fine print ''. I was not sure when I had last possessed a  CITIbank  AAdvantage card. Thats why I called and asked. I relied on their response when I decided to apply for this card.     I feel I was both targeted and lied to.       1. I was baited into applying for this card and making charges to fulfill a fraudulent offer.
2  . Instead of awarding bonus miles, the timing of this offer actually PREVENTS me from earning bonus miles .... If I had waited 6 months more to apply I would have been past the 2 year window allowing me to re-apply for card and earn bonus miles 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 2022-12-29
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I have had issues with XXXX XXXX XXXX and brought issues to the CFPB, NCUA on XX/XX/22. I don't know if these duplicate damaging accounts is intentional or not but I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dovenmuehle Mortgage is the servicer for my current mortgage loan. On XXXX/XXXX/XXXX, I submitted an application to XXXX XXXX to refinance my loan with Dovenmuehle. XXXX  XXXX was authorized to receive information on my behalf from Dovenmuehle. XXXX XXXX, my escrow officer, with XXXX XXXX XXXX contacted Dovenmuehle multiple times asking for a payoff demand. Dovenmuehle refused to forward the demand to her. My wife, XXXX XXXX, called Dovenmuehle and was told that the demand was emailed to XXXX XXXX. Since XXXX XXXX said that this was not true, she called me and held a conference call with me, my mortgage broker, and the Dovenmuehle customer service representative, XXXX. This conference call was made on XXXX/XXXX/XXXX. I instructed XXXX to forward my payoff demand to XXXX XXXX. At approximately XXXX XXXX, XXXX said that she would forward the demand to XXXX XXXX within 2-4 hours. At XXXX XXXX, no payoff demand was received from Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}

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 2023-07-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending this complaint regarding inaccurate and unknown things on my credit report. This debt collector is in violation under 15 U.S. Code 1681e ( B ). This account doesn't belong to me. The Account IC System ( Original Creditor ) XXXX XXXX XXXX. The date last active on this account is different on XXXX and XXXX. This also violates the maximum possible accuracy law. I demand that this account be deleted immediately, or I will file for litigation due to the stress you caused me.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: TN
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 delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
hello my name is XXXX XXXX and i received a letter that says i opened an account but i don't know please delete that account it was fraud of my identity reference number is XXXX Total amount is {$790.00} I not get that card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
My name 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 explanation
Consumer complaint received 2021-03-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
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 disputed a charge XX/XX/XXXX and was told it would take 30 days. It was for XXXX dollars. Made in XX/XX/XXXX. 
I took a pair of frames to an eye care place. They didnt put the right lenses in the frames, refused to fix it when I told them when I picked up the glasses,, then lied to me and told me they put in a product that they didnt even put in the lenses. I need to have glasses for driving and have an extreme sun sensitivity which is why I wanted the dark dark transitions made for driving to start. This is not what I got and the prescription wasnt even done right. One lense was blurry the other side was magnified more than the prescription The merchant refuse to email me back or fix it when I told them when I picks the lenses up. The frames I owned prior. 
I emailed the merchant and called several times and kept getting the run around and they refused to refund my money I filed a dispute with sun trust XX/XX/XXXX and was told it would take 30 days. They did not even give me a credit as is usual policy. Its been past 30 days and I am asking for the bank to release the funds so I can go somewhere else and get new lenses. The right ones

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