BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
Experian will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to Experian, XXXX, and XXXX proof that XXXX has not sent any validation of debt for all XXXX of my student loans in the 30 days, only a letter saying verify. Experian only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all XXXX of my student loans from my consumer credit file. Since, Experian has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all XXXX of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.

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 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In 2016 spoke to Amex about how the credit limits work Amex stated on numerous occasions that XXXX  credit bureau randomly sends info. From that info Amex has reduced my credit limit twice without proper notifications as agreed in there regulation and policy. they have refuse to answer questions we have talked for hours being transferred over 6 times all lines. An Amex rep stated many customers who have been with them over 15 years have never been audited or reduced or ever put in review. But somehow I have been reviewed over 3 times since having this account. I have never been late and I have followed all protocol to guarantee an increase. I am never notified or given a formal reason. 

Also this is a travel card due to covid the benefit are not available yet the XXXX fee was not refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection company did not make any attempt to notify me of the debt. I would have not known about it if I would have not checked my credit report. I called the collection company and they did not even give me the option to dispute the charge, they told me I had to pay the balance to get it off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cashcall Mortage appears to have sold my loan to XXXX. I received a mortage statement from both companies dated XXXX for payment due on XXXX. I did get a hello letter from XXXX. I contacted Cashcall and my auto debit was still pending for XXXX and they stated on the phone they never sent out a good bye letter as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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:
A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

Experian and XXXX  are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.

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 2021-08-11
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PHOENIX FINANCIAL SERVICES received four of my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. 
They still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), you have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Account status incorrect

Complaint:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than EQUIFAX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: IA
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:
To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.

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 2019-07-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XX/XX/2019 my credit score with Transunion and XXXX were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score increasing it dropped by 50 points ( XXXX  ) .30 ( transunion ). seven days later both had dropped another 14 points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this 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 2021-06-07
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021 i was served with papers by the sheriffs dept. I thought it was over medical bills. This was actually a credit card account opened with XXXX XXXX credit card company that I did not open. On XX/XX/2021 i received in the mail a Motion for Default Judgment to appear on XX/XX/2021 in my local court. The company taking me to court is Midland Credit Management INC. I asked questions of how this account was started, what charges were made, if there was online orders. I was told they couldnt provide me with any information. only the day the account was opend and then closed. 
I explained to them that i had been paying. Explaining that I thought it was medical bills, but found out it was this credit card I did not open. Electronic withdrawals have been taken from my checking account. Dates of the withdrawals were, XX/XX/2021 confirmation XXXX {$12.00}, XX/XX/2021 confirmation XXXX {$10.00}, XX/XX/2021 confirmation XXXX {$10.00} and XX/XX/2021. confirmation XXXX. They say nothing has been paid on this bill. I inquired to where these payments have been going and my answer was send them the confirmations numbers and they will look into it. I requested so speak with someone regarding payments and i was then placed on hold without anyone getting back with me. 
I also explained that I am on XXXX XXXX and and my only income was XXXX. This is the second account opened in my name. the prior was at a XXXX XXXX XXXX. 
I requested information from Midland Credit Management about that card, date opened, what store, a photo copy of the XXXX XXXX. never got any response from Midland. 
Any help or guidance or help would be so appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit 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:
The transaction involves a payment attempt through the merchant XXXX which is offering a joint promotion with PayPal Credit dependent on amounts spent between XXXX, ending at XXXX PDT -- i.e., Get 0 % APR for 12 months on purchases of $ XXXX and Get 0 % APR for 24 months on purchases of $ XXXX. The purchase amount is for XXXX -- inclusive of taxes and other discretionary expenses. However, once I click on the Pay with PayPal credit link they are not offering the terms of {$40.00} for 12 months as stated under PayPal 's Credit watermark on the original checkout pay on XXXX. This promotion seems either fraudulent in terms of being bait and switch or so poorly implemented that the two companies should have an enquiry opened to encourage meaningful consumer protections.

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 2021-12-09
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX Balance {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
A merchant credited my account for services that they did not provide. The credit appeared on my account. On XX/XX/XXXX American Express issued a refund check for the credit and posted it to my account resulting in a XXXX  balance. On XX/XX/XXXX they posted the same refund for a second time resulting in a positive balance. On 7 separate occasions I have contacted American Express asking that they correct the problem from the duplicated credit to my account. on each of those 7 occasions American express told me they would correct the problem and that a XXXX balance would be on my account. They have yet to correct the problem. they have now started to charge late fees and have started calling me on my home phone. Each time they admit their mistake and remove the late fees admitting they have made a mistake, but have yet to correct their original mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint, because DESIGNED RECEIVABLE SOLUTIONS, INC has committed multiple violations and mistakes in my credit reports. This company has damaged me being NEGLIGENT AND UNFAIR. They have committed several damage. I haven't been able to get mortgage, I've been paying higher rates on loans, they have failed to secure funding, I have suffered psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date XXXX, original balance : {$30000.00}. 
2. Account number : XXXX, date opened:XX/XX/2019, original balance : {$280.00}. 
3. Account number : XXXX, date opened : XX/XX/2019, original balance : {$510.00}. 
4. Account number : XXXX, date opened : XX/XX/2019, original balance : {$150.00}. 

Your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill XXXX insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital over-billed and made me agree to take more expensive procedures than needed. 
I was grossly over-billed for what was one hour visit. 
Unfair business practices and negligence. 

Because all the damages and violations that I have suffered, I demand to get the accounts removed from my records. I give you a deadline of 30 to do so. Please be advised that unless this these items are removed from my credit report, I will file small claim based on all the violations mentioned above. Im open to resolve this issue in a good way. If you decide to ignore me, I will file a small claim in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CITIBANK, N.A.
State: MD
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 filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.

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 2021-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associates is committing fraud and illegal activity under FCRA 609 by fraudulently and illegal placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX XXXX and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim. I DO NOT have or owe Any of the credit card amount, this is fraud under FCRA section 609 and it must be removed from my credit reports immediately. this company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CAN JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF THE THREE STATES, THE CFPB, THE XXXX XXXX DATABASE, THE FTC, AND I AM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Due to a money transfer routing issue, Citizens Bank did not receive funds before the mortgage due date. Instead of calling or emailing me to simply correct the routing issue, they reported the delayed payment to the credit agencies. The issue on my end was immediately corrected when brought to my attention and has nothing to do with my ability to make the payment or my credit worthiness. That Citizens did not contact me is a violation of their own internal policies as confirmed by two of their call center representatives. My suspicion given the wait times for representatives ( in excess of 45 minutes ) is that this bank is understaffed making it unable to meet its internal and client-facing service level agreements. While that in itself would be fine in my case, it is unacceptable to also damage a client 's credit because of it. It took no time for this bank to report me to the credit agencies without contacting first, yet it is not promptly acting to correct the issue which is harming my reputation and ability to obtain credit. The call centers at this bank have been useless as they have not escalated this and continue to fail on their internal service level agreements and have still not been able to tell me why I never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: FIRST NATIONAL BANK OF OMAHA
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.

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