BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NY
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 previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/ XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - 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 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2017-09-29
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:
I have sent certified letter to transunion, also spoke to over 5 reps, and was instructed to contact each company pertaining to these fradulent/unauthorized inquires ... everytime i contacted the company who allegedly pull my report they inform me they have absolutely no accounts for me and can not provide a letter for bureau because its nothing pertaining to me they can write, informed transunion of what was told to me, was on call for 48 mins requested supervisor then all of sudden phone hangs up, call back again get diff rep, he had nerves to say no matter if FRAUDLENT or not they stay on report and said i could contact the BBB frustated asked for supervisor instantly, had me on hold 30 some mins then phone drops again! 3rd call asked for special handling spoke to supervisor XXXX or XXXX stated was removing inquiries, XXXX XXXX, XXXX XXXX and transunion report inquires still there despite being told deleted, i was a victim of XXXX breach and XXXX XXXX scam. These inquires should not be on my report! XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX this is extremely frustrating when i cant walk into a phyiscal office and resolve this matter asap. I even had fraud alerts and other credit bureaus already deleted when i sent letters of dispute and verifications

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 2021-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Earlier in XXXX ( XX/XX/2021 ), my friend had his phone stolen. From that stolen phone, a scammer asked me for some money. At the time I thought it was my friend because I did not know the phone was stolen. I transferred the money to the number via " XXXX XXXX  ''. 

Maybe an hour later, I learned that my friend had his phone stolen and a scammer was contacting me. I contacted XXXX and they told me to contact chase because the money had gone from my debit card through XXXX  cash. I opened a claim with Chase and I was refunded temporary credit. However today ( XX/XX/2021 ) I learned that Chase had researched and found that the transaction was authorized and was not going to pursue the claim. The temporary credit was going to be removed from my account. 

I called Chase again today and they said since it went through a 3rd party, they were not responsible for scams and couldn't do anything and would be removing the credits from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously closed my cable vision account ( several years ago ) due to irregularities on my bill and sent in the old XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cable box device. This was previously sent to corrections which I disputed and the collection was removed from my credit. Now recently, this old amount is owned by a new debt collector that goes by Enhanced Recovery Company ( ERC ) and is showing up again on my credit by a different collector this time. I have disputed this, yet again, through XXXX XXXX # XXXX and now taking further actions against these collectors to protect my credit. Please SOMEONE assist. The contact information for this collector is : ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and noticed XXXX XXXX XXXX placed and account as an collection account, which does not belong to me. 

On XX/XX/XXXX & XX/XX/XXXX, I emailed XXXX XXXX and informed them of the frivilous account that has been reported to the credit reporting agencies. I requested deletion of the account effective immediately, which they have ignored. Since, I've placed a fraud alert to my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mailed a check through the US Postal service for a contractor retainer. The mail was stolen and the check was altered. 

A case was filed with Citibank. The first case taken by phone, I was told the case was filed but was never completed. When I called back to follow up, I was told that the operator closed the request. I requested Citibank to pull the recording and that I wanted to log a complain with the office of the president. Citibank did not follow up. 

A second fraud case was filed. I completed an affidavit of fraud by mail and sent an electronic copy of the check from online banking. The check To field shows a different handwriting. 

I received a letter in the mail from Citibank saying my claim was denied and I would need to provide the original check as proof. I have requested Citibank to retrieve the original check from the depositor with no response. 

I do not feel Citibank is acting in my best interest to resolved this issue both mail fraud and check fraud. 

The check amount is for {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 2017-09-28
Company: Meridian ARG Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
2nd Call, XXXX2017 around early afternoon..I answered, a " robocall '', ,says, ,If I did n't call back within 24 hrs, they were going to find me arrest me, ,go to jail..First time a lady there, yelled at me saying if i did n't make good on the debit, She was going to call the authorities. It was over a Payday loan over 7-9 yrs ago. 
The amount she said was about / give or take,, {$1100.00} dollars ... I believe the statues of limitations has entered. 
I told the lady the 2nd time, ,that Payday loan was not in there records..I did check it out. 
So is this company still trying to contact me over a debt 7-9 years ago? Of the 2nd phone call, ,she did say what phone service i had..The company was out of XXXX, Ga.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We bank at First Horizon bank, previously Iberiabank. 
We mailed a check # XXXX to our pest control company for {$110.00} The check cleared written to an unknown individual for {$8800.00} Called bank immediately, advised the issue, they looked at the check, saw 4 different handwritings, called it " check washing '' and was told the account is compromised and should open a new account immediately, which we complied and request a return of funds.

Tried to file a police report. In order to file one, we need to know where the check is presented. It's been over 45 days, bank has not provided any information or refund to this point other than .... 
From the bank... 
" We are only able to provide the XXXX  XXXX XXXX XXXX and that was identified as XXXX  XXXX XXXX. 

I understand that law enforcement is asking for the location of the deposit so they can route the client to the correct jurisdiction and that is why on alteration claims we have the client file a Mail Theft Report in lieu of a police report. A Mail Theft Report can file with the United States Inspection Service at XXXX. 

The client would need to tell the Agent where he mailed the check and the address of the Intended Payee it is presumed the check was stolen in transit and altered to the name on the check. '' We filed a postal complaint on XX/XX/XXXX, USPS Reference XXXX Bank response to date is nothing, no updates what so ever since first reported the first week in XXXX. 

Our business is having trouble maintaining cash flow and may result in our demise. Before calling an attorney, the news or posting on social media, I am relieved to see there are protection boards like CFPB that can assist with out getting others involved. I am hopeful to obtain status and refund as soon as possible to ensure a healthy business operation. I simply can not understand why when we give an employee a check, the bank calls us to qualify the presenter. This check clearly had multiple handwritings and if anyone looked at the electronic pictures of our other checks, they would clearly see the handwriting is not inline with the handwriting on every other check in our decade of business. This is a tremendous disappointment in the safety and security processes of our banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe this is a bill I received for our son several years ago, we supplied insurance information at the time of the appointment. Received a bill we shouldn't have. ( They never billed insurance ). I then called to find out why and they told me they would bill insurance and I never hear anything else. It is now to late to bill to insurance as it was years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was their client since XX/XX/XXXX. Closed my account of {$17000.00} in XX/XX/XXXX without ever missing a payment and I 'm still paying for that closed account meaning that they have ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for {$10000.00} and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again. Each time the person would refer to me as M'am because my voice has a high pitch, which I 'm used to, but never had a problem for credit because of that.They even asked me to change my address on my XXXX account and I even did that because at this point I just wanted to " prove '' that I was me. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each documents they ask for every time they call. I even tried to speak to a supervisor from the department on XX/XX/XXXX at XXXX XXXX  and first the representative XXXX told me that they were all in a meeting and seconds later that there was only 1 available because they were in a change of shift. I ask to wait, XXXX explained that her supervisor XXXX was going to give me a call back and that was yesterday. I guess that is the longest meeting/change of shift a company has ever had. I called to cancel the card they already sent and I have n't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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:
On around XX/XX/2022 Midland Credit Management and myself Mr XXXX XXXX came to an agreement to settle one of my credit cards debt through a plan arrangement by agreeing XXXX make payments of XXXX dollars per month since then I have no missed one payments.but I have notice my credit have not been updated since then.I tried to contact this company and they always talk me they are going to update and there never do.The reason Im contacting you is because I would like for this company to star reporting my account to the three major credit bureau for monthly updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
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: Investigation took more than 30 days

Complaint:
XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

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 2017-09-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have loans with Navient, who XXXX XXXX is their collection department, I entered in to a payment plan with them after not knowing that these XXXX loans did n't consolidate with my other loans. I entered in to payment plan with them making was making {$50.00} payments and up it to {$120.00} a month when I was informed that it would help me to come out of default status. 
However, that was not the case, it showed back up on my credit report as default loans, I called the loan service XXXX XXXXNavient and I was informed that those payment were not applied to my plan. I do n't know were they are applied too, they stated i was just in a low interest plan and stated in order for that status to come off my credit report and for the loans to show a good standing I would have to pay the loan in full, and they could make a settlement with me for {$5700.00}, which I could now make a new arrangement to start making a new payment of {$470.00} a month. 

So the {$1500.00} plus amount I have already paid has went to nothing on improving the status of this loan and now they are on my credit report as default which is keeping me from getting a mortgage. I asked them if they could please update the status on my credit report because I have been making payments to them on the agreed amount which they do auto pay. Their response was, I would have to pay the loan settlement before the status could be changed. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I sent {$200.00} using Zelle to XXXX for payment of a XXXX XXXX  from XXXX. I messaged this person on XXXX for a tracking number, but my messages were ignored. I asked for updates each day after that, but no response. Finally, about a week later, when I threatened to open a claim to get my money back since it seemed my purchase was not going to be sent to me, the individual claimed that I was the scammer. They ultimately blocked me and our message exchanges no longer exist. I called XXXX to see how I could get my money back, but I was told that there is nothing that could be done. I would just have to come to terms with losing the money. I was not aware that Zelle did not have some sort of consumer protection and will no longer be using it in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Somebody took out a car loan in my name and I keep getting letters in mail. Not sure on exact date. It was through GM Financial them nor XXXX  will help

Company response to consumer: Closed with explanation