BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Critical Resolution Mediation LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hi im writing to you regarding this company again for the 3rd time. the company name is Critical Resolution they continue to harass me regarding " debt owed '' they threaten to take you to jail, curse at you, over talk you, threaten to contact and come to you work, and have called 5 people in my family regarding this matter. i have asked them to stop calling and only contact through mail if this is a real deal situation. they threaten to sue me and arrest me. i can not continue to have to this happen. I know my rights as a consumer and tell them i know the laws and they just laugh at you. please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Account information incorrect

Complaint:
The XXXX XXXX account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XXXX but charge off/XXXX date as XX/XX/2016. 
This should have been noticed if there was really an investigation into my complaints.

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 2019-11-10
Company: EQUIFAX, 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:
They agreed to accept {$140.00} as payment in full. I oaid them and now they are still saying I owe them {$140.00} on my credit report. The balance is XXXX and the account was settled. I do not owe them anymore money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : I am an authorized account manager and additional card user on an American Express Platinum Delta Skymiles credit card. Due to COVID-19, XXXX XXXX refunded flights totaling {$1800.00} to our American Express account. On XX/XX/XXXX I called into American Express to request a refund check be sent out to me for this amount. The check was never received. After waiting at least two weeks, I requested that a wire transfer be processed for my account. I provided the joint checking account and routing numbers and this was never processed. 

After waiting another week I called back and was refused to speak with a supervisor. When I eventually got a supervisor and desired to escalate further, I was hung up on and no one has called me back. 

After finally receiving my money back greater than 30 days after the initial request I thought all was fine. On XX/XX/XXXX, American Express processed another charge to my account in the amount of {$1800.00} making it appear that I owe them money. My billing statement closes on XX/XX/XXXX and my credit profile will be negatively impacted due to this. I am in the process of purchasing a house and this will potentially prevent me from doing so due to the negative impact to the reported amount. American Express claims to have sent another request to their refund team via a ticket and an email. I have been told things will be resolved within 48 hours to 7 business days, which is unacceptable. 

Now after spending at least 10 hours on the phone with American Express to resolve their mistakes they will not own up too. 

A prompt response is requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive had multiple breaches of information and Im very concerned that much information is false and my identity and personal information is being used by someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX ending in : XXXX. The account is a fraudulent and unauthorized account. I have never applied for an XXXX XXXX credit card account. The account and debt isnt mine and dont belong to me. The account has been transferred to XXXX XXXX XXXX XXXX for collections. I have been receiving harassing telephone calls at XXXX XXXX daily from representatives from XXXX XXXX XXXX XXXX using abusive and profane language, making death threats, threats of taking legal action and me going to jail. I informed representatives from XXXX XXXX XXXX, XXXX that I am a victim of identity theft and the account is fraudulent, unauthorized and dont belong to me. XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: HI
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXXXXXX;XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX -;XXXX XXXXXXXX;EQUIFAX MORTGAGE SER and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received in a envelope XXXX from XXXX XXXX  in XXXX, Ohio. Two pieces of paper for a Request and and Written for Garnishment that was enclosed in this envelope.. They have filed through State of Michigan Judicial Circuit - XXXX District. I have never banked with this company so I was utterly shocked. It was filed by XXXX XXXX XXXX, XXXX c/o Weber & Olcese, P.L.C. in XXXX Michigan. I have no idea what this is about. There is no information what this collection of debt is original from. This is a 3rd party that bought a old debt. This is a old debt through a credit card that was charged off and is way past the Statue of Limitation. There is no information of who the original debt was from or what year. I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
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 ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Delta Management Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am the XXXX of a mid-sized XXXX XXXX in XXXX NY. On XX/XX/18 was notified by a co-worker that XXXX XXXX from XXXX XXXX XXXX needed me to call him about a collection and that it was very important that I call him back. 

I returned the call to Delta and was asked numerous personal questions - which I refused to answer for fear of identity theft - and was then told that it was important that I cooperate because the issue was time sensitive and that it was going to be adjudicated. 

I was finally placed with a supervisor, XXXX XXXX XXXX, who stated that this had to do with an educational loan. I graduated 25 years ago and we finally agreed that the debt was not mine. She stated my name was common - yet knowing that they felt comfortable calling my place of employment, causing personal embarrassment - rather than seeking to contact me via mail, or using my personal number. 

In looking at this agency, ( EIN XXXX ) they have a long history of abusive practices.

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 2018-07-11
Company: National Credit Systems,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: Account information incorrect

Complaint:
NATIONAL CREDIT SYSTEMS says opened XX/XX/2016 balance reported {$3700.00}. Submitted executed contract that clearly states the account is to be deleted by property management company and that the balance reported was never correct and they refused to delete. XXXX and XXXX   deleted the account after receiving the executed contract and investigating, XXXX chose not to. In addition, XXXX will not allow a dispute though it has been over 2 years since the last dispute date and claim they will not allow me to dispute the fraudulent information again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: JH Portfolio Debt Equities, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. 
Amount : {$1100.00} Reference 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 2019-03-13
Company: United Shore Financial Services, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment on the XXXX, which was a Friday, due to how XXXX XXXX XXXX   processes payments, the payment is processed until the next business day which would be Monday. 

the XXXX is the last day to make a payment or you're late/ Anyways, This time I decided to use XXXX bank through their API that they integrated on their ( XXXX XXXX XXXX ) Online Payment Portal ... Come to find out 2 weeks later that although i was given a receipt and confirmation of payment, the payment had an error and they would be charging me late fees+ interest+ reporting to my credit. 

After making an immediate payment after coming to find out how they XXXX  up royally ( i even made the next months payment at the same time just so I don't have any issues again ), they said they would fix my credit reporting to make sure it doesn't hit on my credit. 
Loe and behold another 2-3 week goes by, I check my credit score and it's gone down 115 points due to " missed payment '' on the mortgage ... I filed through XXXX, no success. I have been in contact with XXXX and they refuse to give me the credit departments phone number, they take 2 weeks to respond to simple emails and at this point, I want to hire an attorney and take them to court for damages they've caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.

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 2020-05-14
Company: Experian Information Solutions Inc.
State: UT
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:
Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX Experian & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to  intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.

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 2018-07-13
Company: EQUIFAX, INC.
State: MO
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 HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: Commercial Research & Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX purchase a pet from XXXX XXXX in XXXX, FL and he was about 4 months old I call to speak with the doctor after taking him to my physician. I advise them the dog had a XXXX and i didn't want to keep him they advise the dog has to be return in 2 days. I advise I didn't want any part of the contract they had me sign and that they were ripping me off just to get the dog off there hands so I spoke with someone from this company advise the dog got sick I couldn't afford him that way and he was taken to XXXX XXXX where they didn't know what was going on without charging {$600.00} to {$700.00} for everything to be check out on the puppy so the following month he past I advise the gentlemen that call and he said ok let me see if i can get a settlement on the account. I never heard back from this company two months later got a call from the same person he was being rude saying you need to pay the bill and advise not paying you all went from {$2000.00}. with 5 payments of {$240.00} a month to now {$4800.00}. That is being reported and it was charge off at XXXX so I '' m filing a complaint on XXXX and the credit reporting agency 's XXXX   This is the email trail to the company never receive one letter. 
XXXX via XXXX XX/XX/17 to me Account Number ... XXXX Merchant Name.XXXX XXXX Dear XXXX, Your monthly XXXX statement is now available for viewing. You may access your statement by visiting XXXX 
For your convenience, and to avoid potential late fees, you can setup your payments to be made automatically from either your checking account or debit/credit card. Please login to XXXX  or contact Customer Service to establish an automated monthly payment schedule that is convenient for you. 
If you have questions regarding your account, please contact Customer Service at XXXX during our office hours listed below. 

Regards, Customer Service XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday They also block the payment site so I wouldn't able to know what owe and this after 2 1/2 months of not paying this company. Puppy mills should be close down because you never know what kind of puppy you will have.

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