BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit sent all of my information via overnight mail to a lady in XXXX XXXX. The information that was sent contained all of my private information including my social security number. I learned of this because the person who received all of my information called me in XXXX to let me know about the incident. I just reviewed that voicemail today and learned that all my information was sent to her. I don't know who else has my information as they already sent it to one random person without my consent. They did not contact the address to find me and confirmed I lived there. They just sent my information with everything that an identity thief would need to ruin someone's financial future. I want to see if this is something that is common or not because I feel like my financial privacy has been violated without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2021-11-17
Company: Experian Information Solutions Inc.
State: IL
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 credit agencies have been bullies to me long enough. Experian dispute report id # XXXX is reporting false information concerning XXXX XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
Experian is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan XXXX in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. Experian also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXXXXXX XXXX, IL. Experian and XXXX are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.

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 2023-09-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit 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:
I am a partner of a startup based out of NC. For all startups funding is an important factor. We chose AMEX for its reputable brand. So we thought We filled out the business application online at the end of XXXX, beginning of XXXX, was approved for The business Gold card in the amount of {$20000.00}, in which I had to be a personal guarantor. Everything was good so far. We are a bootstrapped women  operated and owned firm so funding is a challenge for any business. We have a client we worked on for about a month. Secured them to send a contract. Went to check to make sure AMEX was ready to perform and the credit was reduced to {$500.00}. Our costs to that client are {$12000.00} to {$15000.00} with an immediate return of {$27000.00}. First client, first huge client. The offer of a {$200000.00} year in profit from this one client was made. AMEX threw us under the bus for this is a trial run. We are devastated. Our clients rely on our word as we do in the office. We are disappointed AMEX didn't keep theirs. 

When I reached out to AMEX, I was able to connect with a specialist who provided some insights, although he acknowledged that the situation seemed confusing. He informed me that, upon approval, there's a 48-hour window to utilize the balance ; otherwise, it would be adjusted. I expressed my concern, explaining that this presented an issue because AMEX typically takes about a week to send out the card for activation before it can be used. This was unexpected and quite misleading, especially considering the reputation of a company like AMEX. We would like to rectify this anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a correspondence from XXXX XXXX XXXX XXXX, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from the credit reporting agencies stating that First Federal Credit Control added a collection account to my credit report, which bluntly ignored the FCRA laws. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any legal documents to properly validate the debt per FCRA. On XXXX/XXXX/XXXX, I sent another complaint through CFBP, and they completely ignored it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
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, this creditor has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A section 2 also states consumer credit reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 

XX/XX/2023 and XX/XX/2023 reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I contacted Rent Recovery Solutions, LLC of XXXX, XXXX regarding the claim of an unpaid debt, stemming from my previous landlord in the amount of {$240.00}. Rent Recovery Solutions filed a collection to the credit reporting companies stating that I owed money to them to pay off the outstanding balance. However, the balance was paid in full to the leasing office and the check was cashed on XX/XX/XXXX. Rent Recovery Solutions last reported this to the credit reporting bureaus on XX/XX/XXXX, despite the account being paid in full in XX/XX/XXXX. 

I had noticed this outstanding balance on my credit report during the first week of XX/XX/XXXX and first contacted the leasing company to inquire. They reported that the balance was {$0.00} and would be contacting the debt collection service. However, they failed to do so. 

In my conversation with Rent Recovery Solutions, they claimed that I still owned the amount and said they had been sending me notices via USPS mail for several months. I confirmed my address with the company and said that I had not received any of the notices. We have lived at the same address and since moving from the leasing organization 's apartment and have not received any correspondence. I explained my frustration with the process and how because the debt collection company reported this to the bureaus, my credit score, and my wife 's credit score dropped by more than 100 points. The agent on the phone explained that she would look into and contact the leasing office. 

I again contacted the leasing office a second time, and received the ledger showing my balance of {$0.00} and the check number from when I paid off the account. I confirmed this information with the leasing office. 

I yet again contacted Rent Recovery Solutions, who said that they still needed to look into it, despite me being able to mail and email them this information. I told them I would give them one week and would be checking on this to ensure it was fixed and corrected with the credit reporting companies. The company claims that an address of " XXXX '' and not " XXXX '' was the reason the USPS was unable to deliver any of the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom this May concern, I am contacting you regarding some discrepancies with my credit report concerning my address and telephone numbers. I would like the following addresses to be removed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX XX/XX/XXXX I am also need the following numbers removed from 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 explanation
Consumer complaint received 2022-05-21
Company: Credit Karma, LLC
State: MA
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 contacted credit karma money on XX/XX/XXXX when I noticed over XXXX fraudulent transactions on my account and began the dispute process, I filed a police report proving I did not make these transactions and I was awaiting a police report number and copy to attach to my dispute as it takes a few days for the police report to be ready as soon as I got the police report I emailed back into credit karma to have them attach it to my dispute and noone replied to me. I sent over numerous emails and still received no reply, my police report was never added to my disputes and then about 2 weeks later on XX/XX/XXXX I received and email that my disputes were denied and all of them have been closed. I again tried emailing credit karma numerous times telling them the XXXX transactions need to be re-disputed as my police report was never attached to it and to my avail I received no reply, finally 2 days later I received an email on XX/XX/XXXX supposedly from someone with the disputes escalation team stating " Hi XXXX, Thank you for reaching back out to Credit Karma Member Support. I've escalated your case to our disputes team for further review. 


Please allow an XXXX time to research these transactions. In the meantime, if your issue gets resolved on its own or if you have anything to add, please let us know by responding to this email. 


Thank you again for your patience and understanding as we work together to find you the answers you need. 


Regards, Credit Karma Member Support And again another 2 weeks has gone by and none of my disputes have been re opened nor have I even received a single reply after this last email and I have messaged them over 10 times. Credit Karma money needs to be shut down they are extremely unethical and untrustworthy and is literally ignoring my right to re-dispute my transactions now that I have a police report. I need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of XXXX, my checking account was frozen due to my banks inability to verify unemployment checks. Then after speaking with the bank I was told that the only way I could have my account reopened would be to have the issuer Employment Development Department come with me to my nearest bank with two forms of identification to verify my checks or it would be closesd. A bank manager at the XXXX XXXX XXXX, California branch then attempted to help me by speaking with corporate to no avail. Two weeks after my account was frozen I was then informed that my account would be closed. I then was informed by the bank that my account was closed as of the XXXX of XXXX, XXXX  and i would receive my funds with 10 business days. It is now the XXXX of XXXX, XXXX and I have still not received my funds. I have incurred late payment fees, I have had credit card accounts closed, and I have not been able pay my bills because all of my funds within my account are missing and unaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Since 2020, my small business had a credit card with Bank of America with a XXXX limit. This card was used strictly for business purposes. The account was paid on time each month ( never late ) and then completely paid off in a lump sum payment of {$15000.00} and currently has no balance. My business never had one late payment on any debt owed. Shortly after the entire balance was paid, Bank of America sent me a letter stating that they had reduced my limit down to {$1000.00} due to a derogatory public record or collection and too few accounts paid on time. This was a complete fabrication. There have been no accounts, business or personal that have not been paid on time. There has not been one late payment on my credit either business or personal in over 10 years. The Derogatory public record they are referring to, was on my credit report from several years prior to applying for the business credit card and that record would have been a part of their decision when approving the credit line. In other words, they approved the credit card and gave me a {$20000.00} limit with the derogatory record on file. When speaking to the representative, they based a decision to negatively affect my business credit score because we only paid the minimal balance each month even though it was paid on time and we had just sent them a {$15000.00} payment to pay the balance in full. My business credit is being negatively impacted

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last six months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from experian and I have been complaining about this for 3 months now.

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 2023-01-24
Company: USCB, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2023, I received a notice from a company called USCB America a debt collector. [ XXXX XXXX XXXX XXXX XXXX XXXX Bx XXXX ; LA, CA XXXX XXXX They are saying that I owe XXXX XXXX XXXX {$150.00}. This is NOT the first time they have claimed I owe XXXX money -which I do/did NOT! I DO NOT OWE XXXX ANY MONEY!!! After this debt collection last attempt to collect a debt from me that I DID NOT OWE, I communicated with XXXX. Please see the result of that inquiry I made to XXXX about whether or not I owed XXXX any money. The communication I had with XXXX was on XX/XX/XXXX, XXXX XXXX DAYS BEFORE I was notified [ again ] by USCB America XXXX Re : Submit a complaint/grievance ( XXXX ) Contact Member Services Request XXXX XXXX XX/XX/2023 XXXX ID : XXXX Dear XXXX, Thank you for your inquiry. I have shared your concerns with the Patient Financial Services Team for review and action, as appropriate. They have confirmed that any payments made to your account has been applied and a {$0.00} balance is reflecting for your dates of services. 
Thank you for using XXXX XXXX 's website. 
Be healthy. Live well. Thrive. 
XXXX XXXX Customer Service Representative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I re-financed my home through a new lender. I made a payment on XX/XX/2022. a few days later my mortgage was paid off by the lender, This created an overpayment of {$800.00}. Now over a month later I received my overage back but Mr. Cooper/Nationstar Mortgage LLC . shorted me by {$130.00}. I want all of my money back from the overage, interest and penalties assessed to Mr. Cooper like they would have done to me. Further, they should be investigated for fraud and predatory practices. I have documentation.

Company response to consumer: Closed with explanation