BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Webcollex, LLC
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 status incorrect

Complaint:
I had an account with a company called XXXX XXXX XXXX that was ultimately charged off and sold to CKS Financial/ XXXX XXXX. I have paid the amount off in full to the CKS Financial/XXXX  XXXX  in XX/XX/2018 and they have yet to report it to any of the credit bureaus as I was told by them that they would. To date neither XXXX XXXX XXXX nor CKS Financial/XXXX  XXXX have changed the status of my account in none of the three credit bureaus and again the account has been paid in full for over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2023-08-19
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did mobile deposit on the XX/XX/XXXX in the amount of {$280.00} to synovus bank... I thought maybe will be available no more than 3 business day... but not clear till the XXXX between this two weeks I have some overdraft..they changed me XXXX each transaction ... I don't feel fairly.. because they held my check so long...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management continues to harass me even after I have asked them to cease communication with me until they can provide me proof that I have a binding contract with their company. They are accusing me of owing them an alleged debt, and is tarnishing my reputation reporting this alleged debt to the consumer reporting agencies without my consent. I have proof that they received my last letter that I sent to them on XX/XX/2021. I also have a green receipt showing that XXXX XXXX received the letter and have yet to respond but the company is still reporting on my consumer report when by law they are to remove the account that is question until proof is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After many years of making payments on time, American Express failed to credit my XXXX electronic payment on time. I always pay off my balance in full to avoid interest charges, but the one payment issue resulted in a late fee and XXXX additional interest charges totaling {$130.00} and forefitted reward points. 
American Express scheduled my due date on XX/XX/XXXX even though it is a national and banking holiday. I used my bank 's bill pay service to send the payment on XX/XX/XXXX so it would arrive a day before the due date on XX/XX/XXXX. Attached is a copy of my bill pay statement showing the payment would be sent on XXXX and received on XXXX. Also attached is my bank statement showing the XXXX payment cleared my bank on XXXX. A month later I noticed American Express didn't credit my account until XX/XX/XXXX, XXXX day after their due date. 
I spent at least an hour on the phone with American Express to try and resolve the issue. They said their system shows the payment was credited at XXXX AM on XX/XX/XXXX. They opened a case but then closed it without notifying me or asking for any supporting documentation. I find it hard to believe they didn't have access to my payment before XXXX PM on XX/XX/XXXX. I think they had their systems turned off for the holiday even though they are the ones who set the due date on a holiday. I am requesting the charges and reward points be refunded since I have evidence they had access to the payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
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:
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. 

Account name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, #... XXXX XXXX XXXX XXXX, # 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 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 explanation
Consumer complaint received 2022-08-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Convergent Outsourcing called my personal cell phone number in an attempt to collect a debt. Last I checked it's a violation of federal law for debt collectors to call the personal cell phones of customers to attempt to collect the debt. The debt collection agency called me from telephone number XXXX. I looked them up and their website is : https : //www.convergentusa.com/. 
My telephone number is also registered on the Federal Do Not Call list and has been for several years.

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 2020-12-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When the account was first opened in XXXX of 2018 ( actual date unknown ) I was informed by the Sears credit representative, as long as I kept the amount at a certain level and paid off all charges in a timely manner, there would be no accrued, absorbent or incremental interest fees. With that in mind, I was very cautious about frivolous spending and making unnecessary purchases with this particular card. However, due to some Covid-19 related issues, I was compelled to utilize the card for many of the daily necessities in order to sustain my immediate and extended family. As a result of some unforeseen demands, I find myself in a distressing predicament due to over-extended use of the card. Nevertheless, there was no justification for the unreasonable increase in interest, even though I was forced to make a cash withdrawal to accommodate an overdue personal expense. Currently, I am in the process of attempting to pay off the entire balance due, bringing an end to this unfortunate nightmare.

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

CAP1/SAKS FIFTH AVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE 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 CAPITAL ONE AUTO FINANCE 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 CAPITAL ONE 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 CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are two unauthorized hard inquiries on my Transunion credit report. Transunion has not allowed me to dispute them online. I have had difficulty disputing over the phone. The hard inquiries that must be removed are the following : XXXX XXXX -XX/XX/2019 XXXX XXXX - XX/XX/2019

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE AUTO FIN XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: HF Holdings
State: GA
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:
HF HOLDINGS , INC. is reporting a collection account in the amount of {$6500.00} on my credit report. Not only have I not signed a contract to do business with this company, but they have failed to send me a validation of debt notice showing that I am legally required to pay them, which is a direct violation of the FDCPA. This means that they owe me {$1000.00}. I will be sending an invoice to collect payment, as well as a certified letter containing the above stated information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: SC
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
back on 2017 I came from third world country ( XXXX ) with a limited XXXX, I was buying a refrigerator. that a target employee approached to me and ask me if i want that TARGET RED Card which is giving us 5 % discount in every purchases. because I never used credit card before I thought it is some sort of coupon, but any way my wife without telling me she has used Target red card several times, later on with i find out to solve this issue with target i have visited TargeXXXX customer service a few times but no body help me. they provided me a number that i was calling and with on the line for over an hour and nobody respond. 

please kindly consideration about this mistake, people with no experience it is really hard to understand how debit and credit work, Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
No changes from Transunion on the illegal credit reports from them.

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 2023-05-24
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My financial accounts and technology were all compromised as a result of the following XXXX  compromise : Someone found a way to bypass the two-factor authentication ( 2FA ) security measure at XXXX XXXX and compromise countless accounts. 

Following the bypass, the attackers are able to use the compromised accounts to try and take over cryptocurrency exchange accounts and cloud storage services. 

On XX/XX/XXXX XXXX email users started getting notified of changes to their account information, but their passwords were already changed so they couldnt enter. Those that managed to get back into the account found that a secondary email address was added to the account, from a disposable domain XXXX 

Sponsored Links This Year 's XXXX Lineup Is Turning Heads -- And Finally On Sale! 
Best XXXX Deals | Search Ads Bypassing 2FA The secondary email address is a security measure used by some email providers that help with password resets, account notifications, and similar. 

RECOMMENDED VIDEOS FOR YOU... 
CLOSE Many of the victims took to XXXX, XXXX, and XXXX  forums to discuss what had happened, and said that they had 2FA enabled. So, whoever was behind the attack, managed to guess the password with credential stuffing, and then managed to bypass the two-factor authentication security measure. XXXX report states the attackers used a privately circulated OTP ( one-time password ) bypass which allowed them to generate working 2FA verification codes. 

READ MORE XXXX XXXX publishes XXXX 'unlisted ' phone numbers online > What is 2FA and MFA? 

> These are the best firewalls right now That gave them access to the account, and adding the secondary, disposable email account, allowed them to perform the password reset process. 

After gaining complete control over the compromised email accounts, the threat actors then proceeded to breach further online services, assuming people 's identities to request email resets. XXXX, XXXX, XXXX, and XXXX, are just some of the services that the threat actors tried to breach. 

XXXX is keeping silent on the matter for the time being, but a customer said on XXXX that the firm is aware of the incident and is currently investigating. The same source also said that according to a customer support employee they spoke to, the issue seems to be quite widespread. 

As a result, my financial accounts were all compromised, my technology was all hacked, I lost by business, and my health, requiring hospitalization, among other losses. I attempted to resolve this with XXXX directly several times, even requesting that they come out to fix the problem, but all they did was bring me a new box.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: CT
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:
My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, XXXX, OR Experian. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on XXXX XXXX Experian I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX am ) Experian : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.

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 2023-09-20
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This credit was reportin inaccuries on my credit report I call company about my credit worthiness and could not get this resolve. I made several attempts into resolving this matter. I made an agreement to pay it off and to have negative remarks taken from my credit report as the company Truist agreed if I settle the account. It is still reporting negative 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