BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have submitted disputes to Equifax for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report and the results of my disputes not sent to me I can not access my report in anyway shape of form they will not correct the information and have been none complaint to my requests, there are 7 accounts with XXXX XXXX that should be only reported as closed paid in consolidation and the remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute. Also there are 8 accounts from the Department of Education reporting as included in bankruptcy which should only be reported as closed and paid. Student loans are not included in Bankruptcy I have contacted XXXX & the Department of education and they have continued to state they have n't been contacted by Equifax to verify the information. 

I have sent them proof of identity with my dispute and I have concerns about my information as they have had 2 published security breaches recently. 


Equifax has not provide me a copy of my report after at least XXXX disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I disputed five enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then  sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I  sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. The five accounts in question are listed here. XXXX  XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NY
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 have recently pulled my report after being notified of a data breach with XXXX and Experian. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.

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 2015-07-04
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fees

Complaint:
XXXX rebate card handled by American Express. I was given an {$18.00} prepaid card. A few months later, it became {$12.00}. {$2.00} per month fee is charged for three months. The fee was written in the back of the card in a very small font.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CMG MORTGAGE, INC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i have called them on XX/XX/XXXX and made my payment the representative took my payment and she read the script and we were all done so i called back on XX/XX/XXXX to find out why the money is still in my bank acct and i was told that it was canceled bc the rep did not complete the phone call and so the payment was not prepossess rite so i asked to have them pull the phone call and tell me why she put that there if she did complete the call and them i got transfer to a different department to do other things and do i got a rude manager on the line very very rude service in this company she said she cant help me so she got me over to the collection department and the rep there when i told him what happens and i said this crazy people in costumer service need to be train ride he said he is not going to talk to me and hung up the phone and did not take my payment for my house so i called back to talk to some one else i was on hold for over 45 min and cant get no one on the line ever why do we have to have company in this world when they refused to talk to people with a professional matter and help them why are this people taking this personal and not handling this professional level.. 
i got my house in XX/XX/XXXX and they finance us thru XXXX XXXX and this has been a nite mare with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This girl steals, cheats, and cheats on people on XXXX XXXX pretending that she donates a phone and only requests money to send the phone and sends photos to you that she is inside XXXX and sends you a fake XXXX XXXX and XXXX requests more money than the agreed amount because the transfer price Requires more and then block work ... she asked me to download CASH APP and do transfer money through the app her name on app ( $ XXXX ) and her name on XXXX XXXX XXXX and when i send to her friends on XXXX to explan to them, they said her account was scaamed .. her took from me XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a single woman, I do not have any delinquent debt, I have excellent credit. I have received numerous calls from Midland Credit. I finally called them back today and learned they are trying to collect a debt for someone else. I have asked them to stop calling my cell phone and have blocked their number but I do want to make sure the calls stop so I am filing a complaint here too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: LA
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 recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Equifax has failed to follow the Fair Credit Reporting Act, in investigating fraudulent information that has been validated from the other 2 major credit reporting agencies as been fraudulent and have refused to delete these fraudulent accounts while XXXX, and XXXX have deleted these accounts, Equifax repeatedly have sent emails stating they're working on my issue since XX/XX/2019 and it's now XX/XX/2019 with no results of the fraudulent accounts and a deliberate violation of the Fair Credit Reporting Act by not investigating and reporting my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt off inXX/XX/2020 I wasn't even aware I had a bill until XX/XX/2020and I paid it immediately. This is negatively hitting my credit report and I am beyond upset about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
XXXX out was charged and I did not us it some one took my card from my wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been an American Express business cardholder member since XXXX. Both my personal name and business name appear on the card. I used the Amex to make XXXX recent transactions to my business via XXXX. The first transaction {$3000.00} was placed on XXXX XXXX, 2017 and the 2nd transaction of {$5000.00} was placed on XXXX XXXX, 2017. On the evening of XXXX XXXX, I received an email stating " Notice of Account Cancellation ''. I spoke to an Account Rep at Amex and was informed that this was done automatically through a computer for suspicious activity and that the account is 'Closed ' and there is 'No Way ' to reopen, with no remedy offered for reactivation. There was never an attempt to contact me via phone, text or email - prior to cancellation! There was not a denial of charges, charges went through and therefore, I was unaware of ANY issues, regarding these transactions. The aforementioned charges now appear on my Amex for repayment. How can they be an illegitimate charge and I/my company still be required to pay them? And, if legitimate, how could this warrant American Express to cancel '?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Online Collections has entered into collections activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Online Collections is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Online Collections is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Online Collections via certified mail RR # XXXX XXXX XXXX XXXX XXXX and they have chosen not to provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Online Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Online Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Online Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative  information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX XXXX, 2016 I initiated XXXX balance transfers with American Express. Money was successfully transferred to one bank ( XXXX ), but the second transfer was unsuccessful ( XXXX ). American Express transferred {$1000.00} to XXXX and these funds never posted to my XXXX XXXX credit card. I have waited and waited, and inquired continuously about the funds. Each day, I am told ( by AMEX ) that the check has cleared and XXXX is responsible for the missing money. 

Since AMEX insists that the check cleared on XXXX XXXX, I drove to a XXXX branch thinking I 'd be able to clear up the misunderstanding in person. The problem was still not resolved, as XXXX insisted that all they could do was call their " credit card department '' and inquire. On that day, XXXX said that they do not accept electronic transfers and that they are not holding the money. I phoned AMEX with the new information, but nothing happened. In fact, they 've claimed on two different occasions that they would open an investigation and have not followed through. After supposedly opening the last " investigation '' or trace, I was told that there would be no further investigation because the check was showing in the system as cleared. With each call, however, no one can find any disputes or open investigations on my account. Please note that they have also disabled the " online dispute '' feature for this issue as well. After nearly a month of this back and forth, getting transferred from one department to another, and hung up on, I have decided to file this complaint. 

I have called XXXX and American Express everyday with no resolve. I have asked AMEX to confirm receipt of the check by communicating with XXXX. They insist that the receipt is the fact that the check cleared. As well, I have asked XXXX why they have n't notified AMEX, with regards to not accepting this particular electronic transfer. They insist that I must ask AMEX to trace the funds with their bill pay department. After repeated calls to both companies and no help, I would like to hire an attorney. I am beyond frustrated. Unfortunately, I am caught in the middle of two corporations that rely solely on computers and foreign call centers for all their work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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:
upon checking report I noticed fraudulent inquires on my 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 2021-03-26
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been denied 5 online purchases over the past 3 days ( XX/XX/2021 to XX/XX/2021 ) even though funds are available in my direct express debit card account. Calling customer service has not resolved the situation. They tell me I am not allowed to make but a certain number of purchases in a given time period. I rely on online purchases because I have no car and am retired and live in a remote area. I order mostly from XXXX because they deliver directly to my apartment. Makes no sense I can't use money in my account to buy things I need. Really don't understand why the goverment uses such a poor company to handle the funds of individuals on social security. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX Master Card 2021 Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of unauthorized charges to Account No. ending in XXXX Billing Inquiries Division : I am writing to dispute a total unauthorized charge in the total amount of {$1100.00} to my XXXX XXXX XXXX  Master Card account between XX/XX/XXXX and XX/XX/2021. 

During my visit to XXXX, XXXX, my credit card was lost and as result, 8 unauthorized charges were made in the account. On XX/XX/XXXX, after receiving an email alert from Barclays fraud department, I realized the credit card was not in my possession, I logged into my account and could confirmed with the bank that several unauthorized charges have been made in my credit card account. 

On XX/XX/XXXX on the day of my return to the United States, I logged back into my account and realized all fraudulent charges were posted back as mine, I decided to contacted the fraud department and I was informed that Case # xxxx have been closed without any further explanation, then, I was transferred to a Fraud Specialist call XXXX in XXXX, who explained to me that I would have to proof I did not made those fraudulent charges since charges were made while I was still in XXXX. 

On Monday XX/XX/XXXX, I decided to call back and spoke with XXXX, another fraud specialist in XXXX, who assured to me everything was right and all fraudulent charges would be removed from my account during the next XXXX charging cycles while the investigation was in process, which have being completely inaccurate since all fraudulent charges remain in my account as XX/XX/2021. 

Since XX/XX/2021, I had spent several hours trying to get in contact with their fraud department for further explanation to no avail, I had been put on hold several times for hours, waiting to speak to XXXX XXXX XXXX Mastercard fraud department without success. 

As consequence, the fraudulent charges continue to be posted in my account and the dispute amount reflected in the total balance, high interest continue to be accrued, affecting my credit score and my peace of mind. In addition, after many attempts, I havent been able to communicate with any fraud specialist to explain to me what is the reason of the arbitrating decision of closing a fraudulent case and forcing unauthorized charges into my account. 

This is a clear violation of my rights as consumer and violated The United States Federal Consumer Financial laws, in addition, using false benefits as {$0.00} fraud protection benefit offered in your promotional material to acquire new customers, it constitutes use of deceptive and false advertising to misleading them into purchasing your service.

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 2018-10-01
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I enrolled a credit counselor program call XXXX XXXX in Early XX/XX/2018. I did pay XXXX XXXX {$140.00} every month for my credit card debts. From XX/XX/XXXX until today. I have been getting computer type phone calls from Synchrony Bank & using their voice on my voice mail. They had been calling me over 30 times. I was told from XXXX XXXX not to talk or answer their phone calls. I had to pay my debt off with Synchrony Bank in about 3 years with the XXXX XXXX. I had contracted XXXX XXXX about those harassing phone calls from Synchrony Bank. Synchrony Bank refuses to talk to XXXX XXXX over my credit card debt.

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