BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-06
Company: PNC Bank N.A.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter in the mail from " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, MA XXXX stating I owed {$150.00} to a creditor " PNC Bank ''. I checked my credit bureau and do not owe money to anyone and do not do business with the creditor listed above. The letter seemed shady. Very little information given but listed a self-service website, call center number and play to mail the stub and check. Phone number listed : XXXX and Mail address : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, MA XXXX This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: STATE FARM BANK, FSB
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Two weeks ago I placed an order with a company that did not provide the address ; after paying for the products via PayPal, I found out the company was in XXXX not the US. I immediately cancelled this order online as this company, XXXX, has a 24 hour window to cancel the order. The company attempted to make me accept a " cash coupon '' and I continually refused. This account is now in dispute with PayPal but they are still asking for a payment to be made on this account even though this is in dispute. 
Dispute Case ID : XXXX Transaction Amount {$110.00} Dispute Amount {$110.00} Transaction ID : XXXX Transaction Date : XX/XX/2018 XXXX attempts to force me to keep this purchase by continuing to send the items even though I cancelled this order immediately. 
PayPal Disputes keep saying conflicting statements : we will refund you the money since you cancelled this order ; no, we will not refund you the money as we do not deal with buyer 's remorse ; FAX your emails to the company to PayPal at XXXX ; then no we do not accept fax. 
Thus, PayPal continues to request that I make payments on time when there are two ( 2 ) disputes that equals the balance. I am refusing the packages on these disputes ; however, it will take forever to get back to XXXX. 

PayPal continues to misrepresent the truth, will not give the correct fax numbers ; can not contact PayPal via the portal. This is an absolute mess. PayPal is horrible. It is far better to only purchase via XXXX not directly with PayPal.

It seems that PayPal knows many of the goods are defective and poor quality from XXXX and it is so very hard to secure a refund or return the products. 

Second Dispute XXXX XX/XX/2018 {$24.00} This item arrived on XX/XX/2018, I am refusing this item and giving it back to the post office unopened to send back to 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 2018-10-22
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: Old information reappears or never goes away

Complaint:
The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.

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 2021-04-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute on XX/XX/2021 with American Express regarding a charge on my American Express Serve prepaid card for {$62.00} made on XX/XX/2021 to ship an envelope XXXX overnight priority through a third party shipper, XXXX XXXX XXXX XXXX. The package was delivered 3 days later than promised. Although XXXX agreed I should receive a refund or partial refund for not receiving the service I paid for, they said they are unable to process the credit because I went through a third party. The third party shipper is refusing to process the refund. Initially weather was used as a reason for the delay, however, that was debunked as the bad weather occurred the prior week, then I was told it was due to the pandemic - though they did not provide or post any notice or warnings of possible delays. I assure you if I was warned of any delays I would not have paid {$62.00} to send a piece of mail that would have cost XXXX XXXX to send through regular mail and would have arrived within the same timeframe. Furthermore, I was advised by American Express that I would be given a provisional credit if my dispute was not resolved within 10 days ( as per Regulation E ), which I have yet to receive. I contacted American Express Serve on XX/XX/2021 to inquire about the status of the dispute and the provisional credit, however, I was told I would not be given a provisional credit and I would need to wait up to 45 days or XX/XX/2021 for the final decision. They were not able to explain why I was not being given a provisional credit even after advising them of the Regulation E requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX *XXXX ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX  XXXX GROUP ) - {$71.00} Account XXXX XXXX XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX XXXXI - {$1700.00} Account # : 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 2020-06-23
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent 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 2018-10-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING LAW

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 2018-10-22
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve 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 explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Submitted dispute to Equifax in regards to a XXXX credit card account which I never owned in my life to be investigated and removed in XX/XX/2018. They have never updated the status from reinvestigation in progress and have never given me any final determination of the status or results. Ive been waiting since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
Incorrect and outdated information on my credit 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 2018-10-22
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never received my bill with the minimum payment. 

Citibank is refusing arbitration regarding terms and conditions of the double cash credit card. 

Citibank is refusing arbitration due to my social security income

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 2020-09-12
Company: Experian Information Solutions 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:
This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this

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 2019-01-10
Company: Pacific Union Financial, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Pacific Union Financial , LLC RE : Loan # XXXX FHA Case # XXXX A Foreclosure Sale date is a scheduled for XX/XX/XXXX. My, XXXX XXXX, 3rd Party User, called my lender, on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, spoke to XXXX, ID # XXXX, of Loss Mitigation Department, to find out if the Authorization and 61 pages of the loan modification documents were received ( they were ) and the postponement of the Sale occurred/pending loan modification processing. XXXX told XXXX because of the insufficient time ( 30 days ) to the foreclosure sale date, Options ( loan modification nor short sale ) were no longer available that we needed to call the foreclosing attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ) made no sense in that they were the source of mitigation ( which ) XXXX requested to speak to a Manager.

XXXX asked for XXXX phone number ( XXXX ) that XXXX, Supervisor ( mind you ) with no ID # would call XXXX back within ( 48 ) hours was another attempt to deflect postponing the Sale for a loan modification or short sale purchase is why this Compliant is being filed, notwithstanding. XXXX stated to XXXX that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that their discretionary business practice of ( 30 ) days contradicts and violates the State of Maryland Law. If the foreclosure sale and/or ratification occurs, XXXX and all Parties involved will have committed a felony.

Per FHA guidelines ( Case # XXXX ), we are allowed a loan modification or a short sale our property for the ( {$3000.00} ) relocation assistance with no pursuit of a deficiency judgment.

Please pull the phone transcript to verify the conversation with the above Parties. XXXX must NOT be allowed to circumvent the Law, the last time this happened the 2007 mortgage CRASH occurred.

Are we being profiled because we are Hispanic or is this a standard business practice with Pacific Union Financial , LLC to forbid disavow our foreclosure Rights? A denial of Due Process will be deemed an act of conspiracy and conversion and will be ( if necessary ) be escalated to the TV stations channels 4, 5, 7, and 9 Investigations Teams, my State Delegates, Senator, Governor, the Office of the Commissioner of Financial Regulation, Office of the Comptroller of the Currency, State Attorneys General Office and/or pending a Class-action lawsuit.

I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Incorrect and outdated information on my credit 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 2018-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one..XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid more than 2 months ago and still showing up as a collection in my credit report Please erase it as soon as possible Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 sent CERTIFIED MAIL/RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX to Midland Credit management on XX/XX/2021. I asked to cease and desist all collection activity, including credit reporting. I have been contacted by XXXX XXXX Consumer Support Services several times after they received my cease and desist letter.

Company response to consumer: Closed with explanation