BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I paid this guy from XXXX XXXX  To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees are unethical and negatively impact low-income workers and people who struggle with money management. 

Over the course of two days, Regions bank charged me 3 {$36.00} overdraft fees totaling {$100.00}. I " locked '' my debit card using their " LockIt '' service to prevent any overdrafts, but this service doesn't block automatic payment transactions. 

I used their online help messaging system and was told that I need to sign up for overdraft protection, which isn't an option for me because it requires that I have MORE money to put into a prepaid card. 

I called their customer service line after I was in tears from being so overwhelmed. After speaking with a supervisor I was credited ONE fee back, which I am grateful for, but I'm still negative {$72.00} PLUS the amount of the insufficient transactions. 

I have a good credit score, so I don't want to open any lines of credit or accounts or cards, I just want this company to have a bit of empathy for me when they can clearly see I have paychecks being deposited into my account every week to make up for any insufficient balances. 

Since moving into a new apartment with a higher rent, I've had to work multiple jobs to be able to afford to live. I am not an excessive spender, but I have always struggled with money management and have anxiety around finances. 

This {$72.00} could have been used for my water or light bill, now I will have to find another way to pay for those things.

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 2019-02-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2018, I have received repeated calls to my home and work from Midland Credit Management , Inc. concerning a XXXX  Account. I have asked them to provide me with following to support the allege debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting / statement of payments with interest, fees. This information has not been received and the repeated calls continue to be excessive and is jeopardizing my employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Today is Thursday, XX/XX/XXXX. I made a payment on my Capital One credit card last Friday, XX/XX/XXXX. While my " current balance '' has gone down by the amount of my payment, my " available credit '' has not increased accordingly. As someone trying to keep their credit usage below 30 %, this is very frustrating. The company states that it takes around three days for a payment to post. There is no problem with the payment not posting -- the money has been withdrawn from my attached account and has posted to my current balance, but not to my available credit. 

My credit limit on this card is {$5000.00}. As you can see from the attachments, my current balance is {$320.00}, but my available credit is {$3600.00}. As reflected in the statements attached, I made the maximum allowed payment of {$870.00} on XX/XX/XXXX. While that payment appears to have been deducted from my current balance, it has not been so added back to my available credit. I am attempting to keep my available credit on this card above {$3500.00}, and this is a quite significant inconvenience. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions 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 was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following item XXXX Account Name : XXXX XXXX XXXX XXXX Amount : {$1100.00} Date Opened : XX/XX/2020 Account Number : 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a dispute with Equifax in regards to providing inaccurate personal information on my credit report! My name is misspelled, my date of birth is incorrect, and there are different addresses on there that I never heard of! I sent in a copy of my original birth certificate and social security card along with my dispute and they fail to update my information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am an American Express Gold cardmember and one of the benefits of the card is earning 4x points while dining at US Restaurants. Ever since this benefit was added to the card, I have had issues with earning points at certain restaurants ( XXXX, XXXX XXXX, and XXXX ). Even though the merchants I am having issues with are all properly categorized as restaurants on my statement, they only earn 1x points. As of my XX/XX/XXXX statement, this problem affected a total of {$210.00} in transactions. 

I have been in contact with American Express 6 times regarding this issue and it has not yet been corrected. Dates of contact, representative info, and their responses are below. 

XX/XX/XXXX XXXX advised it was too soon to submit a ticket on the issue and to contact them back in a few days. 

XX/XX/XXXX Initial ticket opened with XXXX for XXXX and XXXX XXXX. 

XX/XX/XXXX XXXX advised XXXX had been corrected in their system and I was issued a credit for the missing points. Their back office did not address XXXX XXXX. New ticket was submitted. Was told issue would be resolved in 7 to 10 business days. 

XX/XX/XXXX Deadline for resolution passed with no action. XXXX advised to call back after XX/XX/XXXX statement points were pending and they would put in a new ticket. 

XX/XX/XXXX XXXX put in a new ticket for XXXX XXXX, XXXX, and 2 transactions at XXXX that were not fixed previously. I was again told 7 to 10 business days for resolution. 

XX/XX/XXXX Still no action on prior ticket. XXXX added new transactions from XX/XX/XXXX statement into ticket. She blamed prior lack of response on sometimes getting backed up with cases. I was again given a quote of 7 to 10 business days for resolution. 

It is now XX/XX/XXXX, and I still have not received my missing points or heard anything from American Express. Due to their lack of action, I am opening a complaint with the Consumer Financial Protection Bureau. 

I am attaching a full list of the transactions that are missing points as well as screenshots from my statement showing that all 3 merchants are US Restaurants. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: WV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX 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 XXXX  These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-06-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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:
There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: AZ
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:
Ihave acharge off account on my credit report negative which is effecting my score ihave disuse whithe 3 agency XXXX removit but experian and XXXX  they didnt remove it I send them both a letter to send information how did vareviy the disput how they talk to and to send me a copy of investigations a copy of my original contract from the creditor or any agreement if not I want them to remove it or delete it thank you

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 2023-09-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting a wrong address to my credit. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2018, I sent a dispute letter to Experian. They never responded to that dispute. I sent another letter on XX/XX/2018 telling them they failed to respond between the 30 days stipulated by law. I called Experian several times and they couldn't answer why they didn't respond to my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
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:
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.

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 2020-07-22
Company: EQUIFAX, INC.
State: NJ
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a business account at bank of America. After putting all my business information and account numbers on the computer at the branch, the computer screen turned blue and popup said " XXXX thanks you ''. I asked the lady who was watching me what was going on and she said that, " that was a practice run. '' I told her that I didn't enter practice information but the real information of my business and she told me they didn't want my business.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.

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 2018-05-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX, XXXX and Equifax are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

Company response to consumer: Closed with explanation