BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found numerous errors in the XXXX report issued on XXXX XXXX, XXXX : wrong names associated with my personal information ( SSN, DOB, address, etc ). I also found that my unlisted phone number is actually listed in several marketing databases even though registered my phone number with no-call list maintained by Federal Trade Commission. 

I attempted to contact an American representative of XXXX company but after about 20 calls all I was getting was XXXX customer service, and did n't feel comfortable revealing any personal information to them, especially after my identify was stolen 2 years ago, possibly by some overseas customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: NV
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 recently reviewed my Credit files and found unauthorized inquires and accounts I've never gave permissable purpose thru verbal or written authorization to view my credit profile. 15 U.S.Code 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer.

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 2017-11-06
Company: AmeriCollect
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:
Americollect received my dispute that was sent certified with a return receipt on XXXX/XXXX/XXXX ( see attached ). I specifically requested that this company provide me documentation that reflected I indeed owed the debt they were alleging, provide documentation that bore my original signature, copies of all invoices, receipts, and summaries for this inaccurate, unverifiable entry they are reflecting on my credit reports ( see attached ). Additionally, since Americollect is a 3rd party collection agency and is attempting to collect on behalf of a healthcare organization ( see attached response from Americollect ), they are required to ( based on HIPPA ) to have documentation on file and provide that upon request whereby I gave the healthcare organization the authorization to share my information with this company. To date, Americollect has not provided any documentation to substantiate the alleged charges other than a mere letter that they typed on their letterhead ( see attached ). This entry 's reporting is in violation of my consumer rights and therefore should not be reflected on any of my bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
I was asked to obtain a money order as a deposit to rent property. I obtained the money order in the requested amount from XXXX and submitted to the real estate agent for XXXXXXXX XXXX XXXX. I wrote " XXXX XXXX XXXX '' on the money order. Thereafter, the lease fell through. The agent returned the money order. I have since taken it to my local bank, spoken to my on-line bank and the XXXX at the same location of purchase. I have the money order and the receipt in my possession, and the payee is in my handwriting. 

XXXX advised that vendors are not permitted to accept returned money orders. They referred me to the Western Union website and the XXXX telephone number. The number is a recorded line and there is no option for an agent. 

Basically, I have {$500.00} tied up in a worthless piece of paper, and I want my money back now. Western Union voice recording requests {$15.00} to be paid in advance to them to " refund '' a money order. That is akin to a stop payment on a check, but I have possession of the money order. The {$15.00} fee was never discussed prior to obtaining the money order, nor was the length of time to obtain a return of my funds. 

How can I get my money back without further expense or additional time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to make my payment since XXXX. Rushmore will not allow me to pay. Servicing transferred and they were unprepared. Poor treatment by staff as well. IVR in convoluted and will not allow you to speak to an agent without listening to LOTS of messages. Confusing why no option to speak to an agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
1 / I made a first transfer of XXXX the XX/XX/XXXX from my account XXXX to my account coinbase without putting a refernce transfer. 
You sent me an email telling me that you can not process my deposit sent on XX/XX/XXXX and that I will be refunded ( see attached screenshot ). 
TheXX/XX/XXXX you have refunded my deposit of XXXX. 

2 / I made a second transfer of XXXX the XX/XX/XXXX by adding this time the reference of the transfer that I had not put the first time : XXXX. 
Despite the addition of the reference, you sent me a second email telling me that you can not process my deposit sent on XX/XX/XXXX and that I would be refunded ( see attached screenshot ). 
Except that I still have not received this second reimbursement ( see account statements XXXX and coinbase ). On these statements, you will see : a charge of XXXX the XX/XX/XXXX a credit of XXXX the XX/XX/XXXX a debit of XXXX the XX/XX/XXXX and nothing! no refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. XXXX has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. XXXX has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
* My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at XXXX said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX and XXXX  have corrected their reports, although Experian acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from 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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

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 2019-08-06
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My name is XXXX and last XXXX I got a new phone number. The person ( XXXX ) who had this number before me has had numerous debt collectors looking for her, cash loan companies who text and call all day long. I called Cash Net USA and asked to be removed from their list since I am not the one who has/had a loan, and they refused to remove me. 
I get calls all day long and voicemails everyday from them. I want it to stop immediately. Every day I get an 11-20 second voicemail asking me if I want to claim the money I have been approved for. I have blocked the number on my phone and still get 5 calls minimum a day from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Bread Financial Holdings, Inc.
State: CA
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 was told by a store manager that if I wanted a Victoria Secret credit card that there would be no hard pull. I was told that there would only be a soft pull. The customer standing next to me at the next register was told the exact same thing - and it was a lie. 
This has hurt me a may be causal to a subsequent denial of credit a few days later. 
Had I not relied on what the store manager told me I would not have applied for the card. 
I was given no contract nor asked to sign any agreement. All I needed to do was prove my identity. 
Relying on the lie that the store 's agent told me resulted in a monetary injury to me. And I feel victimized and wonder who, in the future, I can trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: J&L Collection Services
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/XXXX I had an XXXX with XXXX XXXX XXXX. I had met my deductible and I had preaproval. XXXX did n't bill my insurance properly. I contacted my insurance they advised me how to call XXXX and ask them to rebill. I did repeatedly. They refused at first. My doctors office called and asked XXXX to rebill. XXXX sent me to collections. Finally XXXX wrote off the amount from my account but they did not take it out of collections like they told my insurance, myself and the doctors office they did. I have asked the collection company to audit the account. I just did again. They are collecting interest and are still asking me to pay a bill that XXXX no longer is requiring me too pay.

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 2017-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a demand letter for {$9100.00} due XX/XX/XXXX. However I have not received anything regarding the request for modification. I did however receive a letter with my contact phone number of XXXX which was my XXXX 's phone number who XXXX XXXX XX/XX/XXXX so the number is no longer active and I have no idea where they got the number? I have emailed the 62 page documents along with the RMA. I was told page five of the RMA was not dated but I am looking at it and it was dated XX/XX/XXXX. Please modify my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX XXXX XXXX phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX XXXX Florida XXXX Inquiry date XXXX These two inquiry showing on my TransUnion consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge

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 2017-12-28
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sorry, your drop downs are not exactly on point. I have a Visa card through Best Buy that is services by XXXX. I  elected electronic statements. These statements do not work with XXXX. Ive notified customer service. They just repeat instructions to me. I am trying to verify that I received a deferred interest charge and I am unable to get this question answered as well. 

They are in conflict with requirements to make the terms of my purchase clear and conspicuous.

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 2022-03-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak English well, and will start using my old incorrect name when they learn I've had a legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an American Express Delta Platinum card. According to the promotion I " can earn XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. Also, a {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' I fulfilled all the spending requirements in early XXXX. Neither the miles nor the statement credit advertised under the promotion have been posted to my account. I have contacted AmEx several times by chat (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At each contact the representative has verified that I have met the requirements. Yet the bonuses have n't been posted, even though the time limits they themselves have specified have passed. 

I believe that American Express ' advertisement is deceptive, misleading and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
HomeBridge Financial Services , Inc . 

Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was reviewing my end of year for a cahecking account I rarely use. I noticed some charges for XXXX for Experian. I went back and did deeper review and found out Experian has been charging me for some credit monitoring service I never used. I called Experian and was told that the signup had occured in XX/XX/2021. Basically it was a unchecked box in some other service that allowed them to bill me for something I never intentionally signed up for. I contacted Experian and the offered a 1 month refund of XXXX. I then spoke with a supervisor and they offered 2 months of refunds. I said that was unacceptable, they said that all the can do and disconnected the call. I then contacted my Bank to file a dispute, the bank has said they can only offer 3 months of refunds. Anything else they are not legally allowed to do as this is linked to a debit card. They suggested I file a complaint and pursue small claims court action. I had 11 total charges for {$14.00} each for a total of {$160.00}. Experian has refunded 2 payments at a total of {$29.00}. I am still owed {$130.00} for a service I never intended to sign up for and never utilized. I have attached a list of the charges, the two highlighted in yellow have been refunded.

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