BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
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:
This is the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : XXXX XXXX XXXX XXXX XXXXXXXX. I have no record of this account and I never received any documentation of notice before this account was added to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XXXX REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by Lexis Nexis that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from Lexis Nexis, see attached! XXXX had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from Lexis Nexis on behalf of CFPB. So i am confused, how did XXXX " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is Lexis Nexis lying about removing it from my file? Or is XXXX lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing because I received a piece of mail from American Express after I asked them many times to be put on their do not contact list. The last time I contacted them, sometime last month via telephone, I made it clear that I wanted to be put back on their do not contact list, as our negotiations had failed, and I would be communicating with them through an attorney in the future. This was the last order I had before ceasing contact with Amex completely and handing this matter off to document handlers and others more qualified than myself : Do not call, do not send me mail, do not send me emails, and do not communicate with me in any other way, shape, and/or form ; and, if you initiate contact for any reason, including legal obligation ( for which I waived my right to receive written disclosures and requested they be withheld and directly given to my attorney, who would be in touch with them in the imminent future ). I not only received a letter from them a couple weeks ago with their response to this complaint, which was mailing information for their legal division, now I received this letter today ... I am beside myself. When I say that I dont want you to contact me, I mean it. I am only going to upload the letter I received yesterday ; however, it should be know that I have received many other letters that fall within various timeframe ( s ) that I requested no contact from Amex. I wasnt going to do anything about these ; however, now that you are once again sending me threatening letters, with messages letting me know you credited some lousy rewards points towards my outstanding balance. This letter is a petty and veiled way to remind me that youre still there. Youre trying to mess with me ; and, I am going to mess back. Now that you reminded me how much distress these letters cause, I am going to take the time to collect every single physical letter that I have gotten from Amex in the past 6 months and send them to my prospective attorney for this case. Im sure he will find it quite useful ; and, not only this letter ( see attached ), but all the 50+ letters that I have from Amex Assurance Dept of your company ( sending me harassing letters about account credits and claims ). This was happening throughout XXXX and throughout XXXX. I have gotten two letters thus far in XXXX. And I have all my mail since this ordeal started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. AMSHER COLLECTION SERV # XXXX is violating my consumer rights by reporting negatively on my credit report. 

XXXX. XXXX XXXX XXXX # XXXX This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both XXXX and XXXX XXXX XXXX both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. I'll also be reporting them to the FDCPA as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: SinglePoint GI
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received an alert XX/XX/2021 from my mortgage lender that a 3rd party collection agency General Revenue on behalf of XXXX University had placed a debt for a federal loan amount due for {$720.00} on all three of my credit bureaus. My concern is in light of the America Rescue Plan this debt should not be enforced until after XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, I made a purchase of over {$25000.00} at XXXX XXXX in XXXX, CA. I applied and was accepted for My Best Buy credit card which offered 10 % back in rewards on first day purchases for new My Best Buy Credit Cardmembers. I kept expecting a ~ {$2500.00} credit on my monthly statement, but have never received any credit. I have never received any information about this credit or rewards. I figured that it was probably due to the Covid-19 shutdowns and would visit the store after the shut down order was lifted in California. 

After the Best Buy store near me was opened, I went to make a purchase with my rewards and was notified that I had no rewards. I called the Best Buy Credit Card rewards department ( XXXX ) on XX/XX/2020 and was told that my rewards were used to purchase XXXX. I am XXXX years old and I don't do XXXX. Obviously, their system had been hacked and my account was wiped out of all rewards. The individual filed a report ( Case no. XXXX ) regarding fraudulently charged rewards. I never heard back. 

I called the rewards department again on XX/XX/2020. XXXX told me that {$2400.00} of rewards was used to purchase XXXX stuff and mailed to my home address in XXXX, California. Again, not only do I not do XXXX stuff, I never received anything at my address. If the hackers were smart enough to know how to hack into the Best Buy rewards department and use my account, they would be smart enough to know how to get the merchandise rerouted. 

Today, XX/XX/2020, I called the rewards department again and spoke with XXXX. He informed me that the case was closed and no further action was to be taken. I have never had any communication from Best Buy about this or anything. After some discussion, he reopened the case ( Case no. XXXX ). I am not hopeful.

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 2022-12-16
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2022 I went into my Discover Bank account to add my XXXX savings account ( operated by XXXXXXXX XXXX  ) as an external account to transfer money. Both of these banks are legitimate FDIC registered banks. 

Upon adding this external account, my Discover bank account was immediately locked. I called Discover but they explicitly told me ( XXXX different representatives ) that XXXXXXXX XXXX  is " not supported '' for ACH transfers from Discover, and that I should initiate the transfer on the XXXXXXXX XXXX  side instead. The did not and would not provide additional details as to why it is " not supported '', stating that " some banks are just not compatible with each other '' which is simply not true for a standard ACH transfer within the US, for two FDIC registered and insured banks. 

No transfer to this account was even initiated ( not that it should matter ) for Discover to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN 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 2022-12-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My property has deliberately put on foreclosure by Mr Cooper and completely ignoring my request to fix the issue. They send people to my home to deliver notice and same person asking to buy my property cash. I applied for modification with my mortgage servicer nations star and met all requirements and received letter stating it was completed ( see attached ). Then my mortgage service changed to Mr Cooper and they claim they didn't receive documents. Upon review, they found documents and to-date im waiting for phone call back from 5 customer service representatives. My payments held in suspension not applied and property put on foreclosure. I have called this company 3 times a week no resolution. Letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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: Investigation took more than 30 days

Complaint:
I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a job on XXXX to be a XXXX XXXX. The person asked me to drop my number so we could further talk about the position. They started off by giving me tasks. Creating vendor lists on XXXX. They then sent me a check for a deposit. These would be used to buy supplies. The check didnt go through so they asked me if I had other ways to pay. They said they would pay me back the following week and it would go on top of my salary. I didnt trust it, but I still sent the money anyways on XX/XX/2021 because I thought Id be able to just file a report and get it back. I had sent a total of {$2000.00} to them and I never got it paid back to me. They didnt respond to my texts after that or my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them 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 explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN 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 2020-07-22
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-12-16
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for Amazon credit card, at their offering, and received said card in due course. 
Upon receipt of the monthly statement, I had a charge of {$12.00} on the statement. Upon contacting the bank to determine the source of the charge, I was advised that it was from Amazon for the issuance of the card. They went on to say that there was annual charge of approximately {$140.00} for the card. I immediately cancelled the card and contacted the Amazon company to advise of same. They charged me {$12.00} for the initial month despite the fact that it was never used. They then reported the delinquent monthly nonpayment to the credit bureau, which I was forced to pay. However, despite making that payment and cancelling the card, they continue to use the information on my credit report, which was excellent for several years, before being lowered to good where it now sits. How many months should they be allowed to punish me for this matter? I never used the card for a purchase and did not need to pay for the honor of their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: PNC Bank N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Received letter and card from PNC Bank which not authorized by me. Tried to called the bank to cancel it. They will not cancel the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
THIS IS THE THIRD TIME I have filed a complaint about an account from XXXX XXXX XXXX # XXXX. I request the date of last activity or payment any type of verification never received it. I was told that this account would be delete back in XXXX 2022 by the same company and nothing was updated properly. I request that the account be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times in regards to this issue. They have not provided me what I needed. I asked portfolio recovery to send me a copy of my itemized bill showing all the charges to this account as well as the contract that states this was mine. This company provided me a bill 6 months after this account was supposedly delinquent. By not providing me an itemized list of charges and the contract you are preventing me from disputing all or part of this bill. I really wish this company would stop giving me the run around. I would like the last bill with all of the charges and the contract that proves this bill is mine. If you can not furnish this information please remove it. How do I know this is not a bill from another XXXX? This could easily be someone else bill as my name is very common.

Company response to consumer: Closed with explanation