BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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

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 2021-07-10
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX phone ( XXXX ) XXXX What happened? I took a look my XXXX  credit report and found out this company had flagged a account it says I owe which I don't for collection on XXXX for balance {$14000.00} I also look on my XXXX  report that has the same collection on it but in a different account number both are for the IL Department of Human Service which I do not owe any thing nor have I ever herd any thing from them on this. The same thing has happen to me with this company about three years a go and when I called them about it they did not ask for the account number all they wanted to know was my social security number and when I would give it to them they hung up I had to report them to the XXXX XXXX XXXX XXXX. to get this taken off my credit report and if any of this was true that I owe any government agency money they would have confiscate it from my income tax. when looking at the reviews and complaints the XXXX. received on this company ware they used the name of the IL Department of Human Service to put collections on numerous credit reports that had to be taken off. this company have never tried to make any contact with me by phone or mail or any other means to try to collect any thing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Epn, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received medical care at XXXX XXXX XXXX in XXXX, UT, in XX/XX/XXXX. In XX/XX/XXXX, I received a call from The XXXX XXXX, a debt collection agency to pay for this service. XXXX never attempted to contact me and I assumed my insurance paid for the visit. I paid The XXXX XXXX and assumed that was the end of it ( I have the receipt ). 

On XX/XX/XXXX, my wife received a call from XXXX financial services saying that I had to pay a medical bill from XXXX XXXX XXXX. I called them back and their collections agent said they had been trying to contact me since XXXX of 2022. She said she had called my wife multiple times since XXXX and sent many letters that got sent back. They were sending letters to an address that I've never been associated with in a city where I've never lived. I checked my wife 's phone records and she did not receive a call from them until XX/XX/XXXX. Additionally, they are charging me over {$100.00} in interest for 6 months. 

To summarize, they : 1 ) Tried to collect on a bill I already paid 2 ) Lied about trying to contact me ( no calls on phone record and sent letters to phony address in attempt to drive up interest ) 3 ) Illegally charged an excessive amount of interest ( over {$100.00} in 6 months on a {$300.00} medical bill )

Company response to consumer: Untimely response
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MS
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 XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXXXXXX XXXX  opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
Hi my name is XXXX XXXX. I love American Express. I filed the complaint to CFPB on XX/XX/21, and the response letter is attached. 

Here is the story : I applied for the AMEX platinum card on XX/XX/21 with signup bonus as XXXX for {$5000.00} spending plus XXXX for grocery and gas stations in the first 6 months for up to XXXX XXXX dollars ( screenshot evidence attached ). Over the past 6 months, I only received 1 point per dollar for the {$14000.00} grocery and gas spendings I made but not the extra 9 points per dollar. In total, AMEX owes me XXXX points by promise. 

The previous CFPB complaint ended up with a response letter which I completely disagree with. First, the sign-up bonus was confirmed with an AMEX online chat agent on XX/XX/21 ( screenshot evidence attached ). Second, the letter stated that there was a pop up window denied my eligibility of welcomes bonus, which I swear to XXXX there was none. I would NEVER proceed the application if I saw any, just because I am a normal person and I am not XXXX  or XXXX. Third, part of the welcome bonus ( XXXX bonus ) was actually issued after {$5000.00} spending requirement was met, making words in the letter against its own. 

I deeply believe I was tricked by a failure in the IT system which the IT department in AMEX was not aware of. I feel so bad to be penalized so hardly when I did nothing wrong. If AMEX can not honor the offer it was promised, I may need to further report to the Office of the Commissioner of Financial Regulation in the State of Maryland in order to get a full investigation to probe into the misleading marketing and false promotion issues. 

Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Netspend Corporation
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had {$34000.00} in XXXX  bank account and in less than a month its all gone. I have tried to dispute it with XXXX I have filed on identity theft.gov put a place to credit freeze but I still dont know what happened to my account. 
I know that I would go to the ATM for the first time, and it would say Ive already exceeded my daily limit. None of it makes sense to me. also, I found a Western Union email and when I called Western Union and told her I think I might have identity theft and that the accounts were not mine she deactivated my account and then told me that I should go to the police department because of my finances, she said that there was something wrong

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 2022-11-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I as the consumer have had my rights violated with incorrect late payments that have damaged my reputation and well being. The accounts are not accurate across all three being as one bureau ( XXXX ) reports zero late payments while ( Experian and XXXX ) report XXXX which are false. I never gave consent to report such a thing in the first place and this incorrect information is very damaging. I WANT THESE DAMAGING LATE PAYMENTS UPDATED TO POSITIVE TO BE ACCURATE AND I NEVER GAVE ANY CONSENT TO INCLUE THIS INFORMATION ON MY 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 2022-11-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All the payments were made to the hospital and thru my insurance. Husband says he had a payment plan with the hospital and all payments were done on time. Full debt had been paid and I have no understanding of what Capio Partners were claiming was owed. No payments were made to Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I am Ann Taylor costumer for the past 4 years. 
I went to my costumer login to make my monthly payment and I was navigating to the system and found that my account is closed since XX/XX/2019 by the phone. I was surprise because I didn't request to close my account on he phone or so. 

I called Ann Taylor costumer services and them they said that to me, I asked how can I fixe that because is impacting on my credited. so they said that is nothing they can do. 

I would like to know how and what I can do to fixe that and also I want to Ann Taylor prove that I solicit this action on my account. 

Please I need Bureau help Thank you my phone and email. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX I received a text and email stating I must provide my IRS information for verification purposes to Discover Card Services. My Discover account is an individual account non joint with no other account holders. I was told that my account would be closed if I did not provide my IRS file information which includes my spouse 's information. He is not on the Discover account which would make it illegal to request an individuals information that has no relationship to Discover. We file joint tax returns. My Discover account is not and has not ever been delinquent or a joint account. At the time of application before approval I assumed that they would verify information before extending credit. This illegal demand would be harmful to my credit profile if they closed my account as they state they will be doing if I do not provide my IRS information, I have no joint credit accounts with my spouse and depend on my credit profile. Discover not be able to report any negative data to any credit reporting agency if the account holder is not delinquent. When I contacted Discover over the phone they insisted it was to confirm my identity not to have access to my and my husbands financial data. They have a right to verify mine but do not have a legal ight to verify any persons that did not request credit from Discover. In addition they are utilizing a 3rd party, XXXX XXXX to submit the 4506-T form to the IRS. XXXX has had several Data breaches in the last three years that have affected me personally. A third party that can not provide an assurance of privacy is not a way to verify my information or millions of other Discover card holders. Something needs to be done to stop this illegal practice. I have not received a response to my written or verbal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need to have an assumption processed on loan # XXXX. 

NewRez has denied my request for assumption stating that the closing disclosure bars me from such a request but this is incorrect. 

The note does not restrict assumability of the mortgage and the disclosure is only a restriction to the original lender and does not apply to the new holder of the note XXXX XXXX which does not restrict assuming mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm filing a complaint against Bank of America due to the fact that they profile me and decided to false accuse me of depositing a counter fake check. 
Around XX/XX/2023 I deposited at a Bank of America ATM 2 checks that I received by mail from my XXXX XXXX ( XXXX XXXX  XXXX ) ; one for the amount of {$2600.00} and another for the amount of {$2700.00} for a total deposit of {$5400.00}. On XX/XX/XXXX, I received a notification that the checks were not going to be clear until XX/XX/XXXX. I called the institution for answers and for my surprise they told me : " I was under investigation due to counter fake check and that my account was getting close ''. On XX/XX/XXXX they locked my account and left me with no money away from home, without a valid reason. 
I went personally to XXXX XXXX, FL XXXX to show the documentation that my XXXX provided me as an evidence ( See the attached documents ). Routing numbers of the checks are valid and belongs to XXXX XXXX XXXXXXXX. 
I've been calling multiple times and every time is a different person, a different supervisor, a different story. I was supposed to receive my checks back by mail but no checks have been sent and I need my money to be able to return to XXXX and buy my XXXX supplies and clothes. This situation already cost me 2 XXXX XXXX visits.

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 2022-11-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 

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

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

XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX ( XXXX ) XXXX On behalf of XXXX XXXX for 30 In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have several accounts abused by identity XXXX of which are XXXX  XXXX, which I have paid one off almost {$1000.00}. The second I've paid {$600.00} into it and {$360.00} till its paid. I have tried disputing these several times and they keep sending me back letters saying they are legit. Accounts they are in collections they are most definitely not mine. I called a few years ago aswell and told them I had NO accounts at that time, yet they still did nothing.. I have been dealing with this for years and it has hurt my credit, my family and financial life so much. How someone can just take so much and they do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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 applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found XXXX collection accounts that do not belong to me, XXXX XXXX ( XXXX XXXX ) account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account XXXX ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last XXXX of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov

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: 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: Their investigation did not fix an error on your report

Complaint:
I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.

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