BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from an unknown number ( XXXX ) XXXX on XX/XX/2020 at XXXX XXXX  and immediately stated that I was not interested in any solicitations, ask them to remove my number from their list, and that my number was on the " Do Not Call Registry ''. The guy ( XXXX accent ) started talking and I ask him if this was a solicitation. He stated he was from American Express. I told the gentleman that they had the wrong guy that I didn't have an American Express card. He insisted that I did and was getting pushy. I used expletives to say again that he had the wrong guy and again that I didn't have an American Express card. He told me not to talk to him like that ( expletives ). I told him that if I just told him that he had the wrong guy and if he didn't want me talking to him like that, " he called me and he could hang up. '' I then hung up the phone. I then received a call on XX/XX/2020 from ( XXXX ) XXXX, which I waited about an hour, after they left no message and got a greeting from American Express XXXX XXXX, and hung up since I did have an American Express card. Again, on XX/XX/2020 at XXXX XXXX, I received another call from ( XXXX ) XXXX, which I ignored. There should be a way for the company to admit that they likely have access to carrier lists, which I don't think they should be able to sell your information. They find somebody with a similar name ( they never worry about middle initials or names ), and they call that number and harass the wrong person. Additionally, the " Do Not Call Registry '' is about worthless since they don't enforce the law that states they can't enforce it, and therefore is useless in itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has persisted in identifying me as " XXXX XXXX XXXX XXXX '' on my Equifax credit reports, despite the fact that I have notified them on 3 occasions over the past 2 years that this is incorrect. My birth name and my legal name is " XXXX XXXX XXXX '' ; never have I represented myself as " XXXX XXXX XXXX. '' I have filed disputes with Equifax over these and spoken with their customer service, and despite these efforts, they refuse to correct my personal information. I was under the belief that the credit reporting companies were not allowed to knowingly publish false information. I'm including an attachment from my Equifax online account which clearly demonstrates that, of this date, Equifax continues to erroneously identify me as " XXXX XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Select Financial Services, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are having a financial hardship and was behind on our Mortgage due to COVID-19. We reach out to our Mortgage Co XXXX XXXX several times asking if there were any programs that could help us and was told by our point of contact XXXX XXXX all they had to offer us was a forbearance. Which we denied because that would cause us a greater hardship. We managed to get together a couple of payments to try to avoid foreclosure. One in XXXX and two in XXXX. On XX/XX/2020 we received a trial modification from XXXX XXXX. We called XXXX several and emailed them because we had questions about the modification and asked that a supervisor give us a call. It wasnt until XX/XX/2020 we was able to speak to XXXX XXXX In lost mitigation she told my husband and I to sign the the contract for the trial modification and email it back to XXXX which we did on the same day. Also she said that XXXX was going to apply one of the payments we make in XXXX to the first trail modification that was due XXXX and that we wouldnt have to make a payment until XX/XX/XXXX. Today on XX/XX/XXXX I received a letter from XXXX stating that the borrower withdrew Modification Application which is breach of contract. The signed and a verbal agreement was made. XXXX and the borrower should have to honor it. This is causing me emotional distress. I would like to file a complaint against this Mortgage Co.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-21
Company: CITIBANK, N.A.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We have been having problems with the XXXX XXXX XXXX online payment system and now with their credit reporting department. 

XXXX 's online system was broken/unavailable/ had issues, that resulted in a possible late payment of our card in XX/XX/XXXX. 

We called in XX/XX/XXXX ( applying for a mortgage and checked the report ) have requested that they correct our report reflecting timely payment, since it was their fault since their online system is broken even as of today. 

The CS rep for the credit card was rude to me and very aggressive. She was impolite and spoke very harshly with me as if she was doing favour to me just by speaking to me.

We feel that it is improper and irresponsible that they deal with us in this way despite us being good customers with an impeccable credit record ( we don't have any other late payments ever in our reports ). 

This has happened solely because of the unavailability of their online systems for payment. 

We request that customers using their credit card be aware that their systems have not been fixed in the last one year, and be aware that their response is rude, very unhelpful and callous. Hope that our experience with them serves as a rude awakening to customers using XXXX XXXX XXXX card. 

We request that the CFPB look into this matter for an amicable resolution and prevent such occurrences to help consumers.

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 2019-06-12
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Synovus Bank
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Progress is attempting to collect a debt on my credit file XXXX no longer owed. I never received any notices or collection notices about this debt, any phone calls. Until I checked my credit and noticed debt I called immediately and paid the debt off. I feel like they are in violation of my 30 day right to dispute. Per the FCRA I should have been given a letter to prove my debt and dispute it and I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX  XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX are violating the 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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2020-06-23
Company: Receivables Performance Management, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a bankruptcy discharge in XX/XX/XXXX. In XX/XX/XXXX, Receivables Performance Management opened a collection account, reported to the 3 credit bureaus, to collect a debt discharged in my bankruptcy in XX/XX/XXXX. I have contacted the company 3 times, each time having no record of be submitting the bankruptcy information the previous time. The collections account appears as delinquent on my credit report, affecting my credit score negatively.

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 2021-09-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent account openend at a address i never resided. 

Wells Fargo allow someone to open account and utilize account without my authorization. 

I did not live at the address nor have i ever resided at this address in which this account was openend.

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 2019-06-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I've contacted Equifax on multitalented occations and they refuse to assist me handling my dispute process with involves identity fraud with accounts trying to be opened. XXXX and XXXX have successfully removed my fraudulent inquires and Equifax still remains to not care on assisting me after I have provided the with police reports and filed disputes. Police report no. XXXX XXXX XXXX XXXX Sheriff Dept. Equifax dispute confirmation no. XXXX 1.XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY 2.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 3.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 4.XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 6.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
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 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2021 I noticed a new inquiry from capital one 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consistently called my fiance and I at the same time, hung up when answered, had bill collectors or customer.service reps or whatever they are be extremely rude, asserting themselves into my life by asking me about money I might be getting and what I might be spending it on. Whether I owe them money or not, it is none of their business about my financial situation other than my job, my housing, my monthly bill expenses, and my phone number. I was even told I can ask them to stop calling but if a program comes up that might help me I will be ineligible for it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband, XXXX XXXX, has an account with XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. He had discontinued wifi service with them on XXXX. They've continued harrassing him with bills for continued wifi service which he did not have and for equipment ( router ) they wanted returned to them that he purchased from XXXX XXXX XXXX about 2 years ago ( they were claiming the router was leased which it was not, my husband purchased it ). He filed a complaint on XXXX with the XXXX  XXXX  XXXX of XXXX XXXX, GA against XXXX XXXX XXXX. The XXXX  contacted XXXX  on XXXX with his complaint. XXXX XXXX XXXX sent to my cell phone ( XXXX XXXX - XXXX ) a collection text message with the following message " please contact MRS Associates regarding an XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The text message was sent from a number as follows : ( XXXX ) XXXX. I do not have an account with XXXX, so this collection text message sent to my cell phone was very possibly for an account belonging to my husband, XXXX XXXX, and not me. I am nowhere listed on his account with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 2021-04-13
Company: EQUIFAX, 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:
XXXX  is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, Equifax is also reporting data that is false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: DISCOVER BANK
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:
Discovery by Discover company. Without my consent and Hyppa law somehow they ran my credit report for a personal loan by discovery. Therefore I want that to be immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX  " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2019-05-18
Company: Professional Finance Company, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed on my Credit Report that I had 2 collections. I had not been contacted by anyone, I filed a dispute with XXXX XXXX. They claim that the info was correct. I contacted the first Creditor, XXXX XXXX XXXX ( collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ) They said that it was an open account and that I owed it. I could not find any record of my paying them, so I contacted XXXX XXXX XXXX and they said I owed {$180.00} I paid them that amount in full on XX/XX/19 Have a Conformation No. As of today XX/XX/19 still showing open account not paid. I contacted the 2nd Collection reporting creditor XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX Phone XXXX ( collection agency Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ) XXXX XXXX told me that this was for an Emergency Room visit, and this was my portion that the Insurance did not pay. I told them that I got the billing statement from them and made payments. They said that since I did not set up a payment plan with them they sent it to collections. They said that was for something else. I asked them to send me a Detail Billing of all  accounts, which they did. When I compared the Billing account with my Bank payments it shows that I paid the amount that XXXX  claims I owed. I also have monthly billing statements that XXXX  sent me showing that I was paying down the account. I sent copies of all of these things to XXXX in a 2nd dispute on XX/XX/19. They responded saying they talked with ( I'm assuming that they talked with both XXXX & Professional Finance ) and said that the account was still owed. I don't understand how they can come to that conclusion when I sent them proof showing otherwise. This should never have gone to collections to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: BARCLAYS BANK DELAWARE
State: MO
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 customer service

Complaint:
I first received notice of the charge on my credit card in XX/XX/2020 and the card had expired in XX/XX/2020. I attempted to contact the company making the charge, and for which I had not been informed of the charge, to get resolution from them with no success. I then made several attempts to contact Barclay, the issuer of the credit card, beginning in XXXX or XXXX of 2020 and was told through their customer service phone number to submit my complaint online through their dispute resolution process. I did this and each time it was submitted and followed up on that this was the only way to address the issue, they could not resolve it by phone, and that follow up could be expected to take 4-6 weeks each time I made inquiry. After I attempted to resolve this with them over months, I was told it was " outside the date '' at which it could be addressed. After the last communication I had with Barclay, I asked to discuss this issue with a supervisor and I was told one was not available at the time ( even though it was during their posted business hours ) and one would have to call me back at my number. After a couple of days, I received a call that I was unable to take at that time. I returned the call but did not reach anyone, but received a message saying " they received notice I was calling and they would return my call ''. This was attempted twice, with the same message given, and the call was never returned.

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