BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
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: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

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 2021-03-25
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHNX FINAN is claiming that I owe them {$150.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Professional Debt Mediation, 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: Information belongs to someone else

Complaint:
This company agreed to do a pay for delete, and refused to remove from my credit and a verbal agreement which in the state of Texas by law is a legally binding agreement. They have sent in false documentation to the credit bureaus with no company logo or letter head and address to qualify the company as valid to validate the removal of debt. I was lied to by XXXX XXXX and told that it would be deleted in 72 hours. I was also sent a letter of deletion that a fourth grader couldve made from XXXX XXXX. I was also told by the manager their XXXX that it would be deleted. I was told a manual deletion had been done twice, and it had been reported as deleted three times to the credit bureau. The company is lying to me as a consumer with false statements and they are also in direct violation of the FDCPA. This company needs to be investigated by the Federal Trade Commission immediately. The unjust and unethical practices are against federal law and Texas state law. I will be pursing legal action in small claims for for distress and losses. I will also be suing for the same in Texas state court for violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Express Recovery Services, 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:
Express Recovery is reporting a debt on my credit file that I do not owe. I recent checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated to paid in full. I am requesting to please removed from the credit profile.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
1 1/2 years ago my identity was compromised resulting in this on my credit : XXXX XXXX XXXX CC Opened XX/XX/2016 {$1700.00} I want it removed.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX XXXX, XXXX XXXX  ..  I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

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 2021-10-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
This is a formal complaint against Midland Funding LLC located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Midland Funding LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposit {$170.00} cash into a U.S. Bank to fill an XXXX Checking account. The machine prints out a ticket instead stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contac ... ''. <P/>So I contact, the woman from U.S. Customer service totally denies responsibility on the machines, and tells me to call my bank. <P/>I call XXXX, and they say, nothing we can do, call the ATM Bank. <P/>This is where I am right now. <P/>The exchanges above and their quickness to throw blame to the next one over was literally that quick. First things they said. <P/>I am complaining, because, at least one entity in this charade should care to return that money to me. <P/>I have the ticket. The code on the top right is XXXX The number to call is XXXX. <P/>Thanks so much. I hope to get this money back. 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 monetary relief
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Remove all written statements. I haven't asked for any statements, and if I did, I want them to be removed from " 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 2020-09-15
Company: FIRST HORIZON BANK
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: Information belongs to someone else

Complaint:
I must have co-signed for my daughter in 2015 for a First Horizon Credit card. I do not remember and when she asked she said they do not show me on the account. I have sent an email previously with no response. I keep getting notifications of my credit score being affected by late payments to a credit card I may have co-signed with my daughter five years ago. I have not received one notice of late payments. I had excellent credit prior to this. I would like this taken off my credit report. Through Covid and odd glitches on First Horizons end this account as well as the checking account has gotten really messed up. The account has a hold on it so no online payments have been allowed. Calling the number on the back of the card they tell you to go into a branch. The branch says call the number on the card. My daughter has been given the run around and been charged all kinds of fees she shouldnt have. She has been treated like someone that does not deserve any respect for no other reason than perhaps the fact she does not have a lot of money!? I would like to straighten this out for her. I dont have the account number because she wants to fix this herself but if my name is on the account I should be able to access this to rectify it. This has gone on for months, hopefully someone can help us once and for all. Strangely enough a branch called her in  yesterday asked for her Id and debit card no explanation and dismissed her. It should not be this hard for someone to take your money! Its not even that much that is past due but it has seriously damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SCA Collections, Inc.
State: SC
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:
SCA COLLECTIONS INC {$140.00}. XXXX  XXXX. XXXX  XXXX  XXXX  {$900.00}. XXXX XXXX XXXX ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX  XXXX  THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.

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 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
I signed up for a XXXX XXXX American Express card that came with a sign-up bonus of 60,000 Membership reward points after meeting some minimum spending. Some background is that this card requires you to have an account with XXXX XXXX. Also background, American Express views signing up for a credit card and then closing the card after receiving the sign-up bonus as rewards abuse. 

Well I met the minimum spending and received the 60000 points. Then, months later, XXXX XXXX mysteriously closed my account. The only reason I have been able to put together was one bounced check that I had written years ago. They had closed my account back then even after I pleaded to them that it was a mistake and tried to properly fund my account. Well, apparently XXXX saw that I had previously been a customer and decided to close my account again. This then triggered American Express to close my account. 

That ticked me off, but whatever, I understood that a XXXX account was required in order to have that credit card. However, today I received notice that Amex has determined I abused the card by signing up and cancelling it! I didn't cancel it, they did! Now they have removed 60,000 points from my account which is well over {$600.00} in value! I tried to call them and explain but they simply said they could not refund those points since the account was closed. 

This is classic bait and switch. They don't have the right to take these points away from me when I did not violate the terms. I am pleading to you, CFPB, please hold Amex accountable. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions 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 account information on my credit report is inaccurate and unverified.

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed 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 2021-08-05
Company: Security Credit Services, LLC
State: CO
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 see an entry on my credit report from Security Credit Services in regards to a Collection account past due from XXXX XXXX. I have never done business with XXXX nor have I done business with Security Credit Services. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in North Dakota. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call Security Credit Services and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXX to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. 

I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. 

You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: FIRST NATIONAL BANK OF OMAHA
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: Account status incorrect

Complaint:
I already reached out to the credit bureaus and to XXXX XXXX with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 2019-06-19
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
( ( XXXX XXXX XXXX Family Trust w/Comerica-XXXX ) ). XXXX XXXX XXXX XX/XX/XXXX D.O.D XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX Tx XXXX. XXXX XXXX XXXX trust. XX/XX/XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Client # XXXX XXXX XXXX XXXX person in XXXX XXXX for the Trust XXXX informed it is over when my husband past away. Called comerica XXXX XXXX relationships Mgr XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX told me XXXX. would contact me. XXXX XXXX XXXX Trust & Estate advisor comerica Trust wealth MGT XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX. I kept calling everything took forever. Mr. XXXX contacted me to send bills. He paid nurses rest of bills went back and forth. Got tired & called XXXX XXXX Trust Adm. XXXX comerica XXXX. XXXX XXXX Mi XXXX called & returned call 3 way w/XXXX from N.Y informed me I was not client. I am the wife & exec.will. He left me stocks bonds cash and 1/2 houses. They hired XXXX XXXX new XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX. My relationship w/daughters destroyed. Will not pay secured loans prop. Tax Ins & recently pd XXXX/XXXX. I can not get XXXX/XXXX CC & lost benefits. This is a XXXX Trust & I am responsible ( XXXX ). Tax Comerica also missed paying XXXX XXXX in Tax & we were Penalize XXXX XXXX int/penalties.This is the worst experience Im my husband voice. He went to law school to see how to get rid of the trust that he could not trust. We never met or talk to the people handling my husbands family trust. I felt disregarded & bullied at the aged of XXXX. I pray and hope know one else go thru this kind of neglect and abuse.

Company response to consumer: Closed with explanation