BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
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 am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX, testify that I have been a victim of identity theft, accounts have been opened in my name that do not belong to me for a long time, even my personal information was exposed with the Equifax Data Breach and since then I have been affected with my credit record in what Personally, emotionally and financially, I accuse the Equifax credit agency because I have sent them the documents required for the immediate removal of these fraudulent accounts and they have not done anything, they refuse with excuses and excuses and it is their fault that I continue to be affected with my credit report. they are the only ones who do not do their job and make everything difficult with XXXX and XXXX I have no problems they have eliminated without any problem that erroneous information that does not belong to me I am already tired Equifax are the worst agency I have seen in my life and have terrible customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I have an American Express Serve prepaid credit card, the card can not be used as a debit or with a PIN number for purchases or cash back. On XX/XX/2018, a few days after my payroll deposit, I attempted to use the card to pay for a bill and my transaction was declined. I logged into my Serve account and noticed I had a negative balance as a result of transactions duplicated from the day before. I clicked the " contact us '' link at the bottom and was redirected to a page that gave 3 contact options ; call, email and twitter. I chose twitter. I sent my message and was told I could not be helped using twitter and I was provided an XXXX # to call. I called the # and was forced to hold for 30 minutes before finally reaching someone on the phone. At that time I was told that  American Express Serve was experiencing system issues which caused a glitch resulting in them overdrawing my card. I was then told I had to wait two days to get back my money. This delay in them correcting their mistake cost me {$50.00} in late fees and other fees as I had to get money from other sources to make up the difference caused by American Express Serve taking my money and not immediately returning the funds. I tried to get them to reimburse me the {$50.00} and they denied me. 

Since having this card, I get my money before my pay date, they advertised that you can get your money sooner. I was scheduled to receive, as I have been, my payroll deposit on XX/XX/18. I did not get my deposit. I called American Express Serve and was told they were having system issues and upgrading their system and to wait another 3 hours and my funds should be there. After waiting another 5 hours, the funds were still not there. I called customer service and was not given any information what so ever and as of right now, XX/XX/18 XXXX I still do not have my money. If American Express Serve has changed how they will be servicing me, I would appreciate advance knowledge of these changes. Had I known I would not get my money as scheduled, as experienced, I would have redirected my money and closed this card out. 

I need my direct deposit as I have a bill to pay and I can not because they are holding my funds. I need to be reimbursed for the fees from them overdrawing my card. I need to know if they are changing the way they service customers ; will money no longer be available early?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to the actual party involved XXXX which could not help me because they no longer have my information actively i. their system. There has been an third party part taker whom, has bought this aledged account. Their contact information that they provided to Experian are false! Not accurate. How can you dispute or rebuttal any false information or charges on a fluke phone number. The number provided is an PROMOTIONAL NUMBER. I have written Experian in writing with this concern and I have been basically ignored. And they're keeping this account that does not have any chance of resolution do to false contact information on the third party whom has bought the XXXX account. XXXX themselves can not resolve this. ONLy by the information that Experian has put forth and it's not a contact. I'm sure they have not even TRIED the number themselves to actually see that it is in fact an promotional number. How? Can you leave an UNRESOLVED DEBT ON SOMENES CREDIT. It's not right. Thank you- so much to whoever, sees this please help me I'm trying to do better!! And there is an XXXX XXXX  account that I paid more than half and they refuse after being paid to take it OFF my account. Them saying they did not agree to is not true unless, in writing. I will be writing you all for that, too God bless and Thank you, again. Please help me.

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 2021-07-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up with XXXX, a debt solution company, to help settle multiple open end credit accounts in XXXX up thru this year, XXXX. I originally had an account with XXXX that was added to my program and somehow XXXX removed this from my list of accounts which they claimed was removed due to confusion from midland credit debt collection company having multiple accounts. I was made aware of the account not being in my XXXX  XXXX program because I received a court summons in the spring of XXXX. 

Once I received, I contacted clear one who was able to add the account to my program, in which I also added hundreds to thousands of dollars in order for the negotiations to be reached and a settlement agreed upon with midland credit agency. I was advised by clear one that I did not need to go to court and all items have been taken care off. 

XX/XX/XXXX, I received noticed that my program was complete and all debts settled. 

Fast forward to the end of XX/XX/XXXX, I received a copy of a request for garnishment of wages that was filed by midland credit attorneys on an account that was already had an agreed settlement. I promptly called clearone advantage who advised my to contact midland credit as I no longer had accounts open with them and advised midland credit agency should speak with me. I called midland credit who would not discuss my account due to my representation. Therefore, I contacted XXXX XXXX back, filed the complaint and asked them to reach out to them to have this stopped due to the previous PAID and SETTLED account. XXXX XXXX advised this could take up to 2 weeks and someone would contact me back.

I had to call clear one multiple times to get an update, the negotiations department does not take calls from customers, the management would not call me back and on XX/XX/XXXX, I received a notice from my employer that my wages would be garnished for 25 % of my paycheck which is more than what I owe. To this date, no one seems to care besides 1 agent, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX who continues to call me even though there has not been updates. Her management has not called per her and my request. Even though she is does not have the authority to help, she at least talks with me to ensure she continues to escalate and try to get someone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: MD
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:
Improper use of credit report 15 usc 1681a - Definitions : Rules of construction : 15 usc 1681- Section 602A : I have the right to privacy 15 usc 6802b : Opt out never told me to opt out or give me the opportunity to opt out.

Company response to consumer: In progress
Consumer complaint received 2022-11-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I requested information from Discover regarding how much of a line of credit I would qualify for with 0 % APR for 15 months, but was unsatisfied with their answer and so never completed an application for a card nor accepted any terms and conditions. 
I was then mailed a card anyway, with a term sheet that said " You accept this Agreement if you do not cancel your Account within 30 days after you received a Card. '' This is predatory and takes advantage of those who may not read their tiny-print terms or have time to cancel a credit card they didn't even want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a transfer request on XX/XX/2021. It was made to an attorneys XXXX account. The transfer was made as an ACH instead of a wire transfer and the XXXX account blocks it automatically because it doesnt receive ACH transfers. The recipient bank Rejected the funds and the funds were returned XX/XX/2021. Since XX/XX/XXXX until today XX/XX/XXXX, I havent not received my funds yet. Bank of America claims the funds were not returned but the recipient bank sent me confirmation of the communication between both banks in regards to my funds being returned. I havent been able to solve this with anyone at Bank of America. I was placed on hold multiple times multiple days with over hour waiting times. I have been a customer of Bank of America for 15 years and I am perplexed by the level of disregard for my experience as a loyal customer.

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 2018-11-14
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This company is a SCAM. they took advantage of me and i didnt explain the DAILY interest rate. Ive tried to figure out a bette repayment plan but they are refusing to help in any way. They are very rude and disgusting people who constantly hang up on you and dont offer any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Leading Edge Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collector : Leading Edge Re Collector 's phone # : XXXX This company is calling for another person 's debt. This person does not " own '' our number ( XXXX ). They have been so informed. 
Calls ' Frequency : At least twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 explanation
Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2023 I received an email that I signed up for Bank of America online banking. I dont bank with them and havent applied for anything through them. I called to try to get info but they wouldnt give me any information with account or card number that I dont have because I didnt open the account

Company response to consumer: In progress
Consumer complaint received 2022-12-19
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 I previously requested the items listed below to be investigated. According to Experian the accounts listed below were " verified. I then submitted a request for method of verification proof, which I never received. According to the FCRA a credit bureau has 15 days to provide that proof to me and it's been well over 15 days from my request. 

XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX Number 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 2023-10-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: OH
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$15000.00}.

Company response to consumer: In progress
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 explanation