BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled XXXX accounts with XXXX on the same day and call. The representative must have not closed out one correctly. They reflected the XXXX XXXX XXXX  correct. I had to fight to have them fix XXXX XXXX that agent said its recorded I settled all XXXX accounts but the representative didn't close the XXXX XXXX correct nor XXXX. So then they fixed only XXXX XXXX. Over a yr later from XX/XX/XXXX I did all I could to resolve all my debt. Now ever since XX/XX/XXXX community continued to report late & derogatory and not reflect the settlement. It has ruined my hopes of growth again. I can't help my daughter with college due to my continuing late from XXXX. I have spent over XXXX hrs on the phone. Countless calls and now they sold the debt. I filed with credit carma they said it was settled. Still dealing with it all. Please this has just bothered me daily I can't believe they haven't taken the time to look at it logically. Fix this reflect it the way the other XXXX accounts finally show. I am begging for any help. Over XXXX yr later all the late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: MO
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 identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a XXXX XXXX XXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job

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 2022-05-13
Company: National Business Factors
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have requested verification or validation of this medical debt in question that's on my report. I have not received verification from the collection agency. It also appears that the collection agency did not report the validation or verification request to the bureaus as required under the FCRA and FDCPA. 

On XX/XX/XXXX I requested for the fourth time documentation including HIPPA release information about this debt.

I do not recall giving the original creditor permission to release my medical information. National Business Fact has failed to do that currently. I also still see on my credit report attached that has not been reported to the bureaus still as disputed I see multiple violations here and this needs to be public information. Please see evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, 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:
I have an Experian Boost Account and have been trying to get them to resolve a loan market feature on their application. It will not allow the application to complete, it requests the last 4 of an SSN. But will not open a field to accept this. I noted today that my score had dropped by XXXX points without explanation and I wonder if hard inquiries were submitted against my credit report without my knowledge or authorization. 
Experian has failed to address or respond to my requests for information and to resolve this issue. 
I want these issues corrected immediately and my score updated prior to the change without my consent for any inquiries at all. Also, they even advertise if the application could be completed it would not affect a score. It should be a redundant statement as again the feature can not be completed.

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 2021-05-24
Company: Messerli & Kramer P.A.
State: MN
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Im putting you both on a XXXX hour legal noticed before a lawsuit with be filed on both of your companies for violation the FCRA and the FDCPA. XXXX XXXX XXXXXXXX I have sent in Numerous complaint warning you about the violation and you refused to investigate or to remove the account from all credit files my EM would be failure to conduct a proper investigation and punitive damages indicating that you cause me to file Chapter XXXX bankruptcy. You need to remove the tradeline immediately. Dispute remarks should have been placed on the credit report you failed. 

XXXX XXXX you also should have notified XXXX XXXX XXXXXXXX letting them know that I disagree with your lawsuit that you filed in the XXXX or XXXX Minnesota. I responded to your affidavit and sent it back to you in certified mail disputing the claim. Which put you in violation of the FDCPA or we could go the route of Section 1681 SI-2b Im warning you both if the item is not remove in XXXX hrs legal action will take place try me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
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 3 months to no available. I have been disputing 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/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you three months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.

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 2022-03-08
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased 4 Vanilla Visa gift cards. I tried to use them the next day and they didn't work. When I called, they said that there was an activation issue at the store and I would need to send the receipt info. However, they could not determine which store location I bought them from, and since I buy many multiple transactions per day, I could not figure out which store receipt I should send. I sent them a credit card statement for that day, showing the multiple transactions I made. It's been weeks and I still do not have access to my vanilla visa gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I booked a vacation to XXXX on different travel platforms in XXXX On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and tried to cancel my trip. 
All inbound flights was given vouchers but outbound trip bought on XXXX said they would return {$13.00} out of {$150.00} and company policy does not accept illness excuses (! ) I have all documentation from doctors, hospital and XXXX XXXX to prove that my trip cancellation was medical and not a whim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Secured Credit Card bank name : XXXX XXXXXXXX XXXX XXXX  ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX  BY XXXX XXXX AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO EQUIFAX AND XXXX HERE IS A MESSAGE I SENT XXXXXXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX  has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very XXXX off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX  app reviews, going to make a complaint to XXXX  and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. 


WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the representative assigned for the XXXX XXXX  XXXX XXXX. She purchased a condo on XX/XX/XXXX. She died XX/XX/XXXX without funds in the estate. 

Her mortgage was originally with XXXX XXXX. It was foreclosed on and sold at a XXXXXXXX XXXX  sale XX/XX/XXXX to XXXX XXXX XXXX. 

Some months after the foreclosure and sheriff sale, I started receiving calls and emails from Selene Finance concerning the property that had already been foreclosed on by XXXX XXXX. 

I informed them on several occasions that XXXX XXXX had already foreclosed and the property had been sold at the sheriff sale. I told this to more than XXXX person in more than XXXX department. 

I continued to receive notice of monies charged to the account ; taxes, insurance, attorney fees, inspection fees, etc. They could not possibly have inspected as the property had been sold months prior. 

I referred them to XXXX XXXX and their attorneys who had done the foreclosure and to the public records where the deeds were recorded. 

On XX/XX/XXXX, Selene Finance sold the property they didn't have a right to at a trustee 's sale to XXXX XXXX XXXX and XXXX XXXX XXXX. This was done on their behalf by attorneys XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I was driving for XXXX and picked up a passenger. The passenger asked to use my phone to contact a friend to correct the address destination. The passenger refused to return my phone. Within a period of less than 10 minutes the passenger had broken into my phones Bank of America app. Between XXXX transfer and XXXX they transferred {$2100.00} into their bank accounts. After realizing what had happened I immediately called Bank Of America and filed a fraud report on these two transactions. They had advised me that the XXXX charge would be back in my account in a few days and It was returned. However, the XXXX transfer ( boa 's main way to transfer funds ) could take up to 45 days to return into my account. I waited for the 45 days only to receive a rejected claim. So I called back and they said my claim was processed wrong and they would process it again and the funds should return to my account in 10 days. Then 10 days later my claim once again was rejected. I had filed a police report on XX/XX/2020 for two felony charges. I was advised by the bank to file a police report to speed up the process with no luck. My own bank could not protect my money even with thumb print security protection on my iphone and a password system.

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 2022-05-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: OH
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 having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX, EXPERIAN inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.

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 2022-08-08
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:
I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
There were two disputes that Square resolved in my favor. The first was on XX/XX/XXXXXXXX for the amount of XXXX The second was on XXXX XXXX XXXX in the amount of XXXX That was also resolved in my favor. Square then deactivated my account and continues to hold these funds to this day. The emailed me and said it would be 180 days before the funds would transfer back to me. As of XX/XX/XXXX, these funds still haven't been transferred. I have attempted to reach out to Square multiple times and platforms and have been ignored or told to go away.

Company response to consumer: Closed with explanation