BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXE : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : XXXX : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX   XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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 2019-04-25
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management is a scam company that tries to collect debt that is way past the statute of limitations. I owe them nothing, I owe the company they bought the debt from nothing, and they state as much in their postal correspondence to me. They actually write on there " This debt is past the statute, we will not sue you, paying this debt won't go on your credit report '' NONE of this is on my credit report anyway, but even if it were, I'm not paying these guys on a ten year old debt. 

They somehow got my phone number, I'd really like to know how, and call me every morning. I answer and they hang up. If I don't answer they don't leave a message. I called them back on a different number and told them not to call me number. They agreed, on XX/XX/XXXX that they would add my number to the " don't call '' list. Today, XX/XX/XXXX, they called again, and hung up when I answered. So I called them back and AGAIN told them not to call me. They wanted the last four of my social for " verification '' AFTER they already told me what my name was. I said " no, I'm not giving you anything, stop calling me, stop calling my number. '' These guys are criminals, they are everything that's wrong with collection practices, and this constitutes harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AZ
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:
I am mainly filing this complaint on XXXX, XXXX. XXXX, XXXX  has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can XXXX, XXXX  say these accounts are verified and meet FCRA requirements. XXXX  has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or about XXXX XX/XX/XXXX I called jefferson capital at XXXX XXXX XXXX. I was asked for the reference # XXXX. I asked why they had sent me a collection letter plus increased the number of years owed to 14 years. The original debt owed allegedly ended in XXXX but I was told I was sent a reduced amount settlement. There employee stated that I agreed to pay the lesser amount and that I paid {$20.00} towards The debt. They said because of that they increased my payment end date to XXXX. I told them that I never agreed to anything with them and they have committed what I suspect is criminal fraud. I asked there employee that I'm was protesting there claim and I would like all documentation to include the court order. By the way i have never seen a court order saying I owed these people anything. 
Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Ive been having trouble with my American Express credit card applications. The card gets immediately approved but then, according to their customer service, gets stuck in production due to a System Glitch. On XX/XX/XXXX, I applied and was immediately approved for the XXXX XXXX XXXX. However, I didnt receive the card until 6 weeks later because the application even though approved, needs to be finalized by a team member. 

Ive been a member of American Express since XXXX, thiss not how they, any other bank in the US, operate. When you apply for a card, your application gets approved, denied, or go pending. A card thats immediately approved does not require further processing that takes 4-6 weeks. 

This also happened to my XXXX XXXX card application submitted on XX/XX/XXXX and currently, my XXXX XXXX XXXX card application that was submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The CFPB website does not have a proper category for this ... ... 

On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. 

I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. 

In fact, this was the first communication by this company. 

On this date, I am sending written demand that they never contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX put a {$470.00} collection on my credit report claiming it's a debt from PayPal, I've contacted PayPal and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from PayPal, however I use them to make payments on the spot using my credit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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:
I HAVE DISPUTED THIS DEBT MULTIPLE TIMES BUT EXPERIAN IT IS STILL SHOWING ON MY CREDIT REPORT STATING THAT I LIVED AT : XXXX XXXX XXXX, XXXX XXXX, CA. 

I HAVE ATTACHED A LETTER ALONG WITH EVIDENCE THAT ADDRESS DOES NOT EXIST.

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 2021-02-02
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
1. over paid on homeowners insurance. 
2. had two policies for the one house they never cancelled the older policy. 
3. they never sent me the documents i requested 4. i tried to refinance with Amerihome their offer was from 3.5 to 3.35 5. i did get offer from XXXX XXXX for 2.25 dropping monthly payment x {$120.00} 6. now amerihome won't take XXXX payment {$930.00} intill i sign their refin papers 7. Now I don't know weather I can refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am getting threats to repay a loan from ACE cash express taken in XXXX which I have not taken .The bank account XXXX XXXX XXXX where the amount is deposited is not mine. 

Please report a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, my husband paid the remaining account balance of {$2500.00}. The transaction withdrew from my account on XX/XX/XXXX. On XX/XX/XXXX, we called and asked to get a XXXX-balance verification. Conns stated that they did n't show the payment being made. We were then transferred to the customer service line. The individual we spoke with stated they would start an investigation and requested a copy of our bank statement be emailed to them. We emailed it to them immediately that same day on the XX/XX/XXXX. We spoke with customer service again on the XX/XX/XXXX. They originally stated they could not find the bank statements, but were able to locate them. On the evening of XX/XX/XXXX, I went into the XXXX store location at XXXX XXXX XXXX XXXX XXXX XXXX, TX. I brought a copy of my bank statement in hand. I asked to verify my account balance. It still showed {$2500.00}. I asked the representative to please speak with the manager. She leaves only to come back and dial the customer service line. I advised her that I had already spoken with them and did n't feel any progress was being made to please get the manager. She hands me the phone to speak with customer service. They again stated they would look into it. I suggested that I could have my bank send them something directly or I could pay to have the bank notarize a statement. I expressed my urgency ; needed this verification by XX/XX/XXXX. She stated she could n't help me. I can understand needing to verify that I made payment. I do not feel it 's appropriate for them to allow the customer to feel the consequences of their mistakes. They knowingly admit to the fact that I paid the balance. What they are " investigating '' is what happened to the money after they received it. All while leaving my account open and telling me multiple times I still must make payments until rectified. The manger never came to speak to me. The manager did not even acknowledge I was there. I waited 30 minutes. I this point I 'm fairly certain that a simple accounting error would have been corrected in 48 hours or less. I 'm worried now that either the associate stole my payment or appropriated it to someone else 's account. Either way they have no sense of urgency about correcting it. I again called the customer service line on XX/XX/XXXX, I asked for an email or letter stating the situation and that it is being investigated. The customer service manager stated that they would not comply due to liability issues. Yet they have no qualms with holding me legally responsible to make payments on a now fictitious account. This situation has been verified to be an internal problem. It should have been handled internally. This is not only poor business ethics at some point it becomes theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: WI
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 am writing to dispute the following information in my file. I recently received a copy of my Equifax, XXXX & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  11/21

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 an unknown person used my personal account information to order furniture and other items from XXXX for {$2100.00} and charged the purchase to my XXXX credit card. The charges are as shown on XXXX XXXX # XXXX. Wayfair chard is back by Comenity Bank. 

At no time did I give any person permission to use my XXXX card and did not authorize any of these charges. The address associated with the order is XXXX XXXX XXXX, XXXX, CA XXXX. The phone number listed is XXXX. The phone number or address is not mine. 

In response to the order XXXX sent a confirmation email to my email account which I noticed on XX/XX/XXXX, XXXXThat same day I contacted XXXX by phone to report the fraudulent activity and received an email confirmation of my call. The email further instructed me to contact Comenity Fraud Department which I did. ( see attached Email from XXXX ) Comenity indicated they would investigate the charges. 

Within the next several days I received calls from other merchants with whom I hold credit cards ( XXXX, XXXX, XXXX  ) and in one case a new account someone was attempting to open.The activity suggested fraud and all were all flagged and terminated. 

As a result I contacted all 3 credit reporting agencies, initiated a fraud alert, and initiated a 7 year fraud notification. 

On or about XX/XX/XXXX I began to receive calls from delivery companies about attempts to deliver XXXX products per the order above. I contacted XXXX again and learned that the goods were never cancelled and were still showing on my account. 

I then contacted both the XXXX  and XXXX Police departments, and filed identity theft and fraud reports with XXXX Police Department and and the Federal Trade Commission. ( see attached XXXX report ) XXXX XX/XX/XXXX, I received a letter from Comenity dated XX/XX/XXXX indicating that the bank finds no basis to support the fraud claim and finds me liable. ( see attached omenity Letter ) On XX/XX/XXXX I again contacted Comenity and after 30 minutes was unable to speak with anyone that would address or resolve this matter. 

I did not authorized, condoned, or allowed any person to use my personal information/account/credit card to purchase anything from XXXX/Comenity. 

I ask that CFPB immediately investigate and resolve this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Per my Equifax credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and Equifax as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to Equifax that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency XXXX XXXX reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my Equifax report. One last thing I would like to add is that XXXX  and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. Equifax is the only bureau with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Filed a complaint. Received a response followed the direction of the response but i still have not received access to my funds in the new account the okd accoung was closed by them so ive received no more information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMEX XXXX XX/XX/XXXX {$44000.00} -- -- -- AMEX XXXX XX/XX/XXXX {$19000.00}

Company response to consumer: Closed with explanation