BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
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:
XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24  years and had XXXX County XXXX XXXX for all 24 years not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account

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 2020-01-11
Company: JPMORGAN CHASE & CO.
State: OK
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:
On XX/XX/XXXX I logged into my Chase App & noticed a little box that said something along the lines of " You are already approved for the Chase Sapphire Preferred Card '' etc. It only listed the 1 card so I decided to look around and go to the Credit Journey service they provide through the app. and saw again, I was pre-approved for the CSP card and showed it had a XXXX Bonus Offer and a better breakdown of the terms etc. so I was like ok. Go back through the app to read further at the offer in the app and after clicking a box that I accepted their terms of service ( which there wasn't one ) and me thinking it would link me to an actual application, it pops up I was approved, my credit line etc. I didn't think much of it until the next day when it only shows XXXX points vs the XXXX so I went back to where I saw it and screen shot the info. just in case. I called into chase and spoke to a lady about the discrepancy, she was pleasant and offered to submit a request for the rewards dept. to look into it and stated it was " good I had proof '' & it would take 7-10 business for a response. When I got the response, they asked for a claim code/offer code. I didn't have either so I went through their messaging system on the app to upload the screenshots, proving I was provided the higher XXXX offer. Then from there, it went back and forth that I wasn't offered it and they would no longer respond to my requests on the discrepancy. At that point, I called in on XX/XX/XXXX and asked to speak with a supervisor. I was put on with an Account Supervisor named XXXX XXXX in XXXX, MO. I explained the situation, he proceeded to tell me that they are not responsible for the false advertising through a Third Party ( Credit Journey ) that they offer services through their app. and that they have to deal with the issue of false advertising on the daily due to " Third Parties ''. I do not find that acceptable especially when they provide the services directly on their app. They have refused to honor the higher bonus offer I was clearly offered by the screenshots I provided them. Not to mention, no one told me prior to XXXX 's call that I shouldn't have used my card because that meant that I agreed to the lower promo. I wouldn't have used it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the number on the law suit filed against me my Midland Credit Management to contact the atty listed on the paperwork. I was told I can't talk to the attorney at this number. I asked about details and options about this and was repeatedly asked questions refusing to answer any question. The paper work in the suit is not in line with details and amounts in the suit and looks like other debts are trying to be included in the suit as additional details going beyond the scope of the suit. This looks like the behavior from the https : //oag.dc.gov/sites/default/files/2018-12/Multistate-Midland-AVC.pdf has been extended to other states and has worsened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly a charged off account and a 30 days past due on XXXX - partial account number XXXX. ( Please see pages 23 and 24 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting these accounts correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past

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 2019-09-30
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  XXXX XXXX XXXX {$780.00} XX/XX/XXXX NCB MANAGEMENT SERVICES , INC. {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found these three accounts that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are not willing to take a settlement offer from me either due to medical issues with me and i am not working at the current moment due to COVID. I received my stimulus check  and wanted to settle the account for the entire {$1200.00} and my current balance is {$2500.00}. The rep told me that they would rather send my account for write off instead of a settlement. That is going to hurt me financially and I've tried to work with them for 6 months now and they are not willing to work with me. I don't know what else to do so i am finally coming to you guys for some guidance please.

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 2019-09-30
Company: Access Receivables of NC Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing my credit report it appears the company ACCESS RECEIVABLES MAN is hitting my account with negative information but not providing what the debt is for. 
I have not received correspondence indicating anything at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX XXXX to validate a debt listed on my credit report. They told me the account was with their company trueaccord. I called true accord and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called XXXX   again and emailed true accord requesting validation of the debt. I didnt hear a response back, so I called XXXX this morning and told them that I have waited 5 days to hear back and all they said was that true accord was supposed to call me later and that it was a miscommunication about the debt. I called true accord again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX  XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with Transunion and XXXX. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear 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 2021-09-16
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: Their investigation did not fix an error on your report

Complaint:
I recently during the pandemic fell behind on my payment with XXXX XXXX in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed in XXXX 2020 was only due to a real natural hardship and the pandemic that took place and I beg that you forgive it being that I have good track record and promise it will not happen again. The missed payment is also affecting my ability to obtain more credit and is hurting my financial reputation

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 2019-09-30
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is said on the report that the account is already sold or transferred. But then it is reporting inaccurately. I see the date last active reporting on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX all 3 dates should be the same.

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 2017-11-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter on Monday XX/XX/XXXX from XXXX XXXX, dated XX/XX/XXXX, in an attempt to collect a paid debt. The letter was received after their firm, XXXX and XXXX entered into a settlement agreement with me and filed a Request to Set Aside Default Judgement, supposedly filed on XX/XX/XXXX. My lawyer requested and still has not received a stamped copy of either. There is no entry on the courts docket. 

It 's completely unacceptable, unethical, fraudulent and in violation of the settlement agreement in this case. So, far the only term of the settlement agreement that they have complied with has been the cashing of the settlement check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They asking to collect {$560.00} on my credit car XXXX XXXX XXXX I had in 2012. I had never spent that amount I tried to resolve it with XXXX XXXX and told them they need to show evidence where and when I charged that about in my card, they did n't show any. 
Now I 'm asking the debt collection company through XXXX  dispute to show me the evidence where and when I charged that amount it was not me I never spent that much do n't know where they get that from and put into my credit report for almost 6 years now. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Hewitt-Capital
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Hewitt Capital XXXX is calling family members of mine impersonating a mail delivery service claiming they have a package for me and need the address to my home and place of work. Not once did they indicate the actual name of their company and the true meaning of their call. Number for them is XXXX. I discovered my reading online they have many complaints against them using same tactic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Was not notified of investigation status or results

Complaint:
I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XX/XX/2020. On XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ...

XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for 25 minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: DISCOVER BANK
State: ME
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 XX/XX/XXXX I ordered tickets for a vacation on my Discover credit card. I called then to see if they could give me 0 % and they advised not in the lurches I already made but there was a promotion going forward for 0 % for 18 months they could give me. I transfered the balance from the trip to another credit card to get 0 % and used the discover for purchases going forward being it was supposed to be 0 %. A couple months later I looked at my bill and noticed finance charges. That 's when I called and was told they had no record of this and could n't pull the call. I spoke to a couple different managers and was promised call backs several times before reaching someone that advised they would credit the interest and put it on the 0 % as quoted. She stated it was clear was the notes that is what I was told. This was around XX/XX/XXXX. I looked at my billing again this evening and once again there are interest charges so I called and spoke to a girl named XXXX who told me she was not going to give me the 0 % and interest is 15.99 %. I told her I want the call pulled and she said that wo n't happen because they only keep calls for 60 days. I have been lied to and manipulated into paying this company interest. I have several 0 % interest credit cards and would not be continuing to use this credit card if I knew I was being charged interest. My husband and I earn cash back by using credit cards. I want the interest credited to my account and the 0 % interest rate. I am willing to hire a lawyer and file a lawsuit itlf this is not rectified immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company numerous times finally they agreed to remove it from my credit. They only removed it from one bureau. I am trying to buy a house and I do not want this on my credit at all. It is a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation