BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached is the record of ENHANCED RECOVERY COMPANY alleging a non-existent debt and without any evidence. According to my records, this is the second time that said agency ( which must be investigated ) exposes not only me because of the reviews I have read, but also a number of people who are going through this same situation where it arbitrarily affects the empirical the three main agencies from which random and uncertain arrears charges are received without being evaluated without any type of evidence.

I wish to inform you that this agency from which you buy debts at a very low price, but without any type of evidence. in my case I HAVE NEVER HAD ACCOUNTS WITH XXXX XXXX XXXX  or its subsidiaries. If it is true that I had debts with this company, I have never received collection letters because I have never made a contract with it. If this agency wishes to collect {$2500.00} Open balance, if true, I request the original contract with the company XXXX XXXX XXXX XXXX, in my name from the date of the contract until the culmination of the alleged debt. Evidence of the agency XXXX XXXX XXXX delegated the collection of said debt to the collection agency ( signed contract ). Information on the telephone number of said debt as well as where said contract was made. These practices of charging without any type of evidence is considered FRAUD and has been recognized by the Consumer Financial Protection Bureau. When these agencies of scams and legal appearance, mislead, cajole, XXXX, and hardened in the form of a ruse so that the person in a stratagem so that people fall into this falsehood. I ask the Consumer Financial Protection Bureau to carry out an exhaustive investigation of these agencies that lend themselves to collect for a few cents the collection of phantom debts and at the same time alter the record or empirical of the citizens. in my case, they enacted for good and win damages my record and empiric which I request correct and certify with evidence if that debt really exists. Otherwise, if they do not do so, they are exposed to a claim for libel and slander. The Libel and Slander Law of XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) inclining to claim for libel and slander. If this is proven, legal action will be taken against ENHANCED RECOVERY COMPANY for damage to the reputation, dignity and affront that this agency carries out. 
Therefore, you are ordered to completely eliminate the records that appeared in the agencies XXXX, XXXX AND XXXX. 
We formally ask the Consumer Financial Protection Bureau to exercise and direct these agencies to be meritorious, since this same practice has been repeated with too much insistence to try to collect money illegally and deceitfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up autopay on a Barclay 's credit card in XX/XX/2023. Barclay did not process the payments because my bank could not locate their bank account. They finally sent me a letter about this problem on XX/XX/2023, after reporting my account delinquent to the credit bureaus and lowering my credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-04-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call several times a day. When I asked what account and the amount I owed they are unable to provide information and keep asking for my personal information

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX Balance : {$11000.00} ; 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 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 2021-06-05
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made a total of {$6800.00} in payments since XXXX. The more I pay, the more i seem to owe on my Sears Mastercard. I called the company twice now to complain that it is showing I am credited the payments, but I don't believe the payments are actually being deducted from my statement. When I called today, I was told they would be mailing my statements since XXXX to review if there are any unrecognizable charges, which I had already told them there aren't. The problem is that they are not actually crediting my account - I believe I am making huge payments that someone at that company is stealing. I am transferring the money from my bank account atXX/XX/XXXX. I think during the transaction, the money is not being actually credited to my account. Also, when I try to access my account online, it denies me privileges to my profile and also keeps stating that " new cards are being mailed to you '' - I did not order any new cards. I have the same card, so this sounds like they are stealing my money and payments. 
Please help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX ( home ) ( XXXX ) XXXX ( work )

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 2023-07-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a complaint on American Express for deceptive marketing, innaccurate information provided explicitly by customer service, and unfair treatment contradicting information provided by the company. 

I have an American Express Platinum card, which grants me access to their XXXX XXXX. The card comes with a hefty annual fee of {$690.00}. On XX/XX/2022, I reached out to their customer service agents via chat ( screenshots available ), and asked for clarification on their XXXX XXXX access policies. Guests are only allowed to enter within 3 hours of their departing flights, unless they have a layover. I reached out asking if this layover applies to overnight layovers as well, and whether I could access their lounge the night before the morning flight. Amex confirmed that I could, but ultimately, I was denied access because the lounge agent stated the layover needs to be on the same day. This was not explicitly stated on their website OR terms and conditions ( at the time- this has since been updated ), and to make the situation worse, I relied on information explicitly provided by customer service stating the contrary. This led to a terrible experience on my 1-year anniversary trip. 

Here is the chat history, word-for-word : Me - " I see the XXXX rule does not apply to layovers, but is this true for an overnight layover? For example, we're flying to XXXX on Monday night, then from XXXX to XXXX on Tuesday morning. Would we be able to access the XXXX XXXX on Monday night? '' Amex - " As per the terms of the XXXX XXXX - They do admit card members with layovers or connecting flights who produce proof of a connecting flight from the same airport. '' Me : " and that's even if the connecting flight takes off the following morning? '' Amex : " Yes, that's right ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi! I spoke to Mr. Cooper customer service on Thursday, XX/XX/XXXX and was then on hold to speak with escalations department but I couldn't hold on any longer so had to disconnect. On XX/XX/XXXX Mr. Cooper took out duplicate payments for {$1300.00} from my checking account causing my checking account to be overdraft. So two issues, 1. How would this happen? I have never experienced such an error in my entire adult life, 2. I understood escalations department needs to refund 1 of the 2 duplicate payments along with an explanation so my Bank will credit the overdraft fees, failing which I would request you to pay the overdraft fees of {$39.00}. Kindly reply as soon as possible to resolve this issue. 
I then emailed on XXXX  XX/XX/XXXX using their online portal and received an automated message that someone will call me. It is now 4 business days since Mr. Cooper withdrew funds from my checking account, without my permission, caused my account to overdraft and subsequently impact my credit history. How can such a company be allowed to conduct business, can you kindly take strict action and involve XXXX XXXX as well who owns my mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: OR
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 have a XXXX XXXX XXXX  with XXXX. On XX/XX/2023 I was in XXXX XXXX when my card declined for my rental car deposit. This did not make sense, as I had paid off my card earlier in the month and should have had plenty of credit to cover the charge. 

I called XXXX and was told that my credit limit had been lowered that morning due to " derogatory information on my credit report ''. ( No notice of this change was sent to me until the following day, XX/XX/XXXX, via email. ) When I insisted that no negative entries existed on my credit report, I was told that I had late payments and to contact Equifax. 

Upon returning, I contacted Equifax on XX/XX/XXXX and obtained the credit report attached. The Equifax representative ( and a supervisor I spoke to ) stated that there were no late or missed payments on my credit report, nor any other derogatory information of any sort. This was also confirmed by the copy of my Equifax report I downloaded that day ( attached ). My XXXX FICO score with Equifax was XXXX on that day ( currently XXXX ). 

I then called XXXX and spoke to a representative and then a supervisor. I explained the situation, and was told that I would have to dispute any wrong information with Equifax. However, there was no incorrect information showing on my Equifax report, so there was nothing I could dispute with the credit bureau. I also pulled up XXXX XXXX  FICO score page on my XXXX account, and it showed that the FICO score they were using was XXXX ( currently XXXX ) and that my score was reduced due to late or missed payments ( attached ). The supervisor I spoke to ( XXXX, employee ID XXXX ) stated that he would submit a review request to the XXXX XXXX department to investigate the discrepancy. 

As of today, XX/XX/XXXX, I had not gotten any response from XXXX on this review, so I again called and spoke to a supervisor ( XXXX, employee ID XXXX ). XXXX stated that a review had been done and nothing had changed. When I asked why the XXXX FICO score page states that my score is reduced due to late or missed payments that Equifax does not show, XXXX said that I would have to dispute the information with Equifax. ( However, as stated, I can not dispute information that does not exist at Equifax. ) XXXX stated that XXXX would not provide me any further information about where this derogatory information currently exists. Therefore, I am requesting that CFPB require XXXX to explain where they are obtaining erroneous information on " late or missed payments '' on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Last XXXX, XXXX, I updated my address with this XXXX  and XXXX  company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX 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 a 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