BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card debt through XXXX XXXX bank that was turned over to midland funding that was then sent to XXXX XXXX. I paid XXXX XXXX but I can't get them to report the debt being paid to the credit bureau. XXXX XXXX has lied, made false statements. They are playing games with the consumer. How this company is able to operate is beyond me. I have falsified documents from their office. I've read numerous complaints regarding XXXX XXXX yet they're still in operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX under the creditor XXXX XXXX has been contacting people that I am not associated with anymore and leaving messages that I will be sued. I contacted XXXX  directly in XX/XX/XXXX and let them know of my circumstances and repeatedly told them not to contact the phone numbers they had listed. I NEVER authorized them to contact my ex-husband, ex-mother in law or step mom. 

They call over 5 times in a day and my ex husband is also getting messages saying that if we do not contact them with a lawyer that they will have no choice but to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: CITIBANK, N.A.
State: NY
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:
Citi Bank made a hard inquiry on my XXXX  credit report on XX/XX/2020 without my authorization. When I called, they said they did not make such a pull but XXXX has since confirmed it was them. Its their name and address. I have researched and found others online complaining of the same behavior by Citi Bank.

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 2023-08-03
Company: Experian Information Solutions 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:
Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/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 2023-03-03
Company: Netspend Corporation
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Netspend Credit card and saving account. I am the executor of the account. Since XX/XX/22, Customer service told me to file paperwork which I did. Reply by XXXX says will respond in 6 hours - no response. Multiple calls to Customer service yielded requests for different documents each time. Sent docs as requested - same no response. Customer service refused to transfer me to responsible department, and left me on hold waiting for a supervisor only to be hung up on after 45 or more minutes. It has been months since original call and company has consistently given me no response.

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 2023-04-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX and XX/XX/2022 I wrote to XXXX XXXX in regards to a collection account that they placed on all three credit bureaus. I asked for " Validation '' of this collection and they have never responded. ( see both certified letters & return receipts cards )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: IA
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 was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: GA
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:
Fraudulent accounts are appearing on my Experian credit file. I have file identity theft report to make bureaus aware of this incident. I was told by Supervisor Mr. XXXX in the fraud department with Experian, if I file FTC identity theft report. The accounts in question would be blocked. I have taken the liberty to do just that. However, the following account contain in this complaint still remains on my credit file. I have been unable to obtain credit due to someone using my identity to cause me harm. Please assist me CFPB in resolving this matter. I became aware of this incident when applying for a mortgage. Thanks for your time and attention in regards to this matter.

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 2022-11-15
Company: Genesis FS Card Services, Inc.
State: NC
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:
XX/XX/2022 i received a credit card for activation. When I went to the app it shows a third card awaiting activation with a service fee. I called them and told them I didnt authorize another card to be sent to me. They informed me that I have to pay the fee. I told them i didnt sign up for a new card and I wont pay this fee. They cancelled the card and informed me that this will be reported to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX and transunion has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID

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 2021-08-08
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:
I have sent challenge letters to Equifax to properly and transparently investigate these false accounts on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which Equifax is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, Equifax continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to Equifax last week. I ask the CFPB to ensure that Equifax sends me all all calls, transcripts, emails and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They are trying to collect a dept that I do not owe and wish for them to take it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: AVANTE
State: DE
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:
On XX/XX/XXXX I was looking on XXXX for a house and I came across someone I thought was honest but turned out in fact to be a scammer they asked me to pay a small fee to get my credit report and send to them. I told them I sent it and a hour later or two something showed up on my credit report. They said XX/XX/XXXX I was at the doctors office and I owe XXXX. So I told them Ive reported them and they never emailed me back again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: SYNCHRONY FINANCIAL
State: OH
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:
I owe {$100.00} for my Amazon credit card. I have only missed one payment previously and all other payments have been made on time. I have received multiple calls per day ( anywhere from 2-4 a day ) since XX/XX/2021. I have three times now in that timeframe let them know that I have had financial hardships due to unemployment and my own business slowing to a stop due to inability to purchase shipping supplies for my product and recently gained employment. I have told them I should be able to pay it within the month with no specific date because financial hardships are making it difficult to do as such. Today ( XX/XX/2021 ) I was called three times before I answered and told them again they can not call me like this, it is considered harassment and I shall pay them before the month is over.

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 2023-10-24
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail for BME Services, saying I owe {$1800.00} for an emergency XXXX XXXX. Im completely blind to the amount, trying to whats going on

Company response to consumer: Untimely response
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I put in a dispute with XXXX  in XX/XX/XXXX about capital one because they still have an account on my credit report from XXXX. The account has been closed since XXXX and the issue never got resolved. I put in a dispute again for the same issue in XX/XX/XXXX and it said I was accurate with the account being to old and closed and XXXX  would update it but never did. And capital one wont remove it off my credit either after i have called them multiple times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: WI
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:
On X/X/17 I sent a certified letter to Equifax disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 )  provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Equifax received my letter on X/X/17. 
On XX/X/17 I reviewed my Equifax credit report and the Bankruptcy Remains. 
On XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of XXXX stating that the court does not report any  information to any credit agency. 
On XX/XX/17 I sent a certified letter to Equifax again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report. 
Equifax received my letter on XX/X/17 On XX/X/17 I again reviewed my credit report verifying that Equifax has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance reopened my account on my report on XXXX  and XXXX XXXX is still showing closed. All three reporting show different balances. I tried to dispute on XXXX  but is not able to. Please delete Credit Acceptance for report for inaccurate reporting.

XXXX  : Balance : {$0.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( closed XXXX XXXX ) reported 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 2021-02-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I lost my job in XX/XX/2020 due to the pandemic. 

I reached out to credit card company to inform them that I was struggling to make payments. they assured me that any late fees that were applied would be credited back into the account and no payment would be due until I was able to make payments. 

Ive tried to resolve this issue but the reps just tell me they cant due anything and I have to pay the {$150.00} in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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 recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud.

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} Account XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: MOHELA
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company I'm disputing is Mohela. They reported my student dept into two seperate accounts instead of just one and reported my payments incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
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: Personal information incorrect

Complaint:
I have tried and wrote to have the wrong addresses and aliases names removed from my 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ref : XXXX Dear American Express XXXX I, XXXX XXXX XXXX the consumer and natural person, was denied credit by American Express when I applied for a Blue Cash Preferred from American Express credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

American Express is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is about : Experian My personal information was compromised through the negligence/incompetence of XXXX in the large breach earlier this year. In XXXX, I repeatedly tried to freeze my credit files with Experian through their web site. Each attempt failed, and Experian 's web site information said I should mail them copies of my driver 's license, social security card, and a document to show my current address. 

On XXXX XXXX, XXXX, via certified mail, I mailed Experian copies of my driver 's license, social security card, and an insurance statement that showed my current address. According to records from the USPS,  Experian received my mailed documents at XXXX XXXX, XXXX XXXX, XXXX. 

I have not received any confirmation, notification or correspondence from Experian. Since XXXX, I have continued to try to freeze my credit files with them using their web site. Each attempt fails, once again directing me to mail them the documents I have already sent 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of  limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX  purchase of this debt.

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