BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by Midland Credit management of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. Midland Credit Management responded with account summaries and a letter from said original creditor XXXX. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CA
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 am a consumer by law and this is not sent in error. My private information that is protected by law is being used without my written consent. I am demanding compensatory damages for this violation.

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required XXXX. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that XXXX XXXX had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score 100 points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.

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 2019-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, XXXX, and Experian need to correct this asap

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 2023-02-28
Company: Experian Information Solutions Inc.
State: OH
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:
They are saying my accounts are unpaid when they are clearly paid off

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 2022-03-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I discharged both my American Express bills, they cashed the negotiable instrument. But not for the complete amount of coupon. UCC3-603 states if they endorsed the back of the negotiable instrument which they have. Then all debt should have been discharged. I will be contacting the attorney general about this matter of extortion from American Express. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two money cards were purchased at XXXX and a person ( s ) created a pin and used the cards.

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 2021-09-02
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Around XXXX of 2019 I applied for the American Express XXXX XXXX Card. Due to my business travel it made sense to get the perks despite the card being {$450.00} annual fee. It also was advertised with XXXX bonus points which confirmed to me it would be the right choice. 
I had an existing American Express card ( no fee ), and there was never any indication that I wouldn't be eligible for this card or the XXXX points. 
The application process was easy, and I was approved right away. The terms and conditions language around the XXXX points was very vague, basically saying American Express could refuse the points if they wanted ( they keep pointing back to that language ) I was supposed to spend $ XXXX in the first 3 months to get the XXXX points, so I consciously made sure to make that ( I spent well over that amount ). 30 days after getting the card they applied the {$450.00} fee which I paid right away. 
3 months after I made sure I spent enough we inquired about where the points were. They said it takes a few weeks to get them. No follow up, and no indication that we weren't getting them. Same conversation a few weeks later. About a month plus later I called and someone finally said that we weren't getting the points. They also said we got a message during the application process that said that ( never happened ).

I called again to file a complaint. A case was created to research. I never heard back so called a week later. The rep told me that case was closed ( no reach out to me ) and that they couldn't do anything for me. This rep continued to push at that language in the T & C, but also said he could see no reason why this was denied and had never seen it before. I have since filed another complaint and I doubt I hear back. I also reached out to XXXX for support and there's nothing they can do. 
I feel like this is a complete scam. They got my {$450.00} and they forced me to spend $ XXXX in the first 3 months to get something that was never coming to me. I can't believe a company this large has to resort to these practices. I'm at a complete dead end here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: ZIONS BANCORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought tickets on XX/XX/XXXX by using XXXX from my bank XXXX XXXX  in XXXX.for XXXX XXXX XXXX   Concert the next day. I opened an account with XXXX to, electronically receive tickets but never got them from the seller XXXX XXXX or XXXX XXXX on XXXX XXXX.with the telephone number XXXX ; associated with XXXX The number he called me on was XXXX The amount was {$500.00} I am a XXXX XXXX at XXXX years old and find this is a fraudulent way to transfer money. Bank account numbers should be linked to XXXX not just mobile phones

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 2023-03-07
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have summitted disbursement requests to this company on XX/XX/2023 and they have not sent it. This happens every time I submit a request. Talking on the phone to them gets me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Radius Global Solutions LLC
State: NJ
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:
Since 2016 I have contacted XXXX XXXX XXXX to tell the the balance is inaccurate and I had health insurance with a copay of {$300.00}. Radiant Solutions is telling me that they know I had insurance and that is the physicians bill. I have been to this hospital many times for this same treatment, my XXXX, always {$300.00}. XXXX XXXX XXXX used the old insurance I had on file and I have given them my new one at time of service and called them twice to take my new once which they did and now here we are 3 yrs later. I called each creditor to explain and all said it would be handled. Now I tried to make a settlement offer of {$300.00} with Radiant and they refuse to accept it. This debt is inaccurate and I do not own it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me.I demand you delete this non-compliant listing on my credit, or I will seek damages in court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
delete these inquiries XXXX XXXX XXXX via XXXX XXXX inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX, XX/XX/XXXX equfax my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  my credit was accessed on XX/XX/XXXXXXXX by XXXX XXXX XXXX XXXX XXXX my credit  was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX  REFERENCE # XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed multiple problems with my credit report multiple times with this bureau by certified mail. They responded that the information was verified as accurate. I find this very hard to believe considering that I am sure it is inaccurate. I then requested method verification according to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also used certified male for this request. This was approximately 30 days ago. I have kept all certified mail receipts and am able to provide them. This bureau has still not provide any proof of verification to me. The information remains inaccurate on my report and is effecting my life very negatively. Due to their failure to provide the method of verification as required I am requesting the information to be deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX XXXX IL XXXX XXXX you are in direct violation of the Fair Credit Reporting Act Capital one Account ending in XXXX has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NJ
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 Section 602 A states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-07-10
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX  has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX   with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.

Company response to consumer: Closed with explanation