BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
In XX/XX/2019, I applied a XXXX XXXX Credit card, and this credit card had welcome bonus offer which spending {$1000.00} within 3 months, and earn XXXX XXXX XXXX  points. There was no any pop up box to informed me that I may not eligible for the welcome bonus. Therefore, I was continued to submit my application. In XX/XX/2019, I meet the spending requirement which spent over {$1000.00}. However, I haven't received my welcome bonus points of XXXX Honors points after the statement period. I called the American express customer service department, and try to figure out the reason. They opened a case for me on XX/XX/2019. The case number is XXXX. However, I called them today XX/XX/2019 to check my case status. The American Express responded me that the case has been closed, and they could not give me the specific reasons for declining my welcome bonus offer. Based on my history in American express, the XXXX XXXX credit card is my first personal credit card, i never had this credit card before. Also, When i submitted my application online, the american express website did not pop out the notification to inform me that i may not eligible for the welcome bonus offer. It is unacceptable that the american express declined my welcome bonus offer after i meet the spending requirement, and did not inform me when i submitted my application. The American express do not behave or act in a honest way to his customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, 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:
I contact Equifax several times regarding a reported collections XXXX XXXX XXXX. I have sent them a police report and they do not remove the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received various and multiple collection attempts from LVNV funding originating as a civil complaint filed in the XXXX  Municipal Court ( Case XXXX ) on XX/XX/XXXX. 

The creditor violated my rights under the Fair Debt Collections Practices Act ( FDCPA ) by failing to send me a notification of debt prior to the civil filing and furthermore failed to comply with a validation of debt request as stated in my Answer and Subsequent Motion to Dismiss filing with the court. The case was dismissed at the request of the attorney representing LVNV Funding, XXXX XXXX XXXX on XX/XX/XXXX. 

My request for validation of debt was sent to LVNV Funding XX/XX/XXXX in conjunction with a cease and desist of communications the same day I filed an Answer with the court in accordance with my right under the FDCPA. Verified XXXX delivery on XX/XX/XXXX. 

LVNV Funding failed to supply a validation of debt or ask for additional time within the confines of the FDCPA and should have, by law, expunged the debt from all credit bureaus. 

On XX/XX/XXXX I received an email from a XXXX XXXX from XXXX attempting to collect on a debt on behalf of LVNV Funding. XXXX XXXX XXXX either sold this account to XXXX XXXX or LVNV Funding may have churned this account to a different agency. In either case I had documented verification that LVNV Funding received my request for a cessation in communications. I consider XXXX 's emails a violation of that request and in violation of my rights under the FDCPA. 

On XX/XX/XXXX I sent a similar cease communications request to XXXX. This is the second such request I had made and consider the original failure of validation on LVNV Funding 's behalf to obligate them to expunge this record from all credit bureaus. 

Om XX/XX/XXXX I received a letter from Resurgent Capital Solutions attempting to collect on the same account as the previous 2 companies did. 
Once more violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i  XXXX XXXX have the right to dispute anything inaccurate by law

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 2017-09-13
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 fraud alerts or security freezes

Complaint:
Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both XXXX and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely XXXX Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.

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 2021-11-11
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 status incorrect

Complaint:
I received confirmation from two previous accounts that have been cleared and advised from the collection agencies for the accounts to be deleted off of my credit report in which I sent to Experian and they did not delete from my credit report but they updated their account when they accounts to be deleted immediately

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 2019-07-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/19, I set up payments with Midland Credit Management, paid {$160.00} with another {$160.00} payment set up for XX/XX/19. The total amount owed was {$300.00}. I received 2 statements with the payments taken. However, it is showing up on my credit report still with amount owed  {$300.00}. I called Midland where the gentleman advised they never received my payments and no record of sending me out the letters. I spoke to a supervisor who advised I should sent in a copy of the letter sent by HIS company since they had no record. Then he said he did see a payment made on XX/XX/19 of {$160.00} which then led me to believe they were lying. On my credit report, it shows the balance of {$300.00} so even if they only had a payment of {$160.00} they are committing fraud by not reporting the correct amount to the credit bureau. I paid this account as agreed to delete this off my credit and now they have no record of it and all this for a {$300.00} past due account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called XXXX and transunion. Under XXXX  my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXXcard shows as good credit and is revalving credit until XX/XX/XXXX so i tried calling 3 times, to XXXX and in past tried callong transunion and XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My loan was transferred from XXXX to XXXX in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently XXXX is reporting to XXXX, but has not reported to Transunion. I have called XXXX 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to XXXX, they have not responded once. CUstomer service is terrible. 

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from XXXX. 

My credit score is now negatively impacted and causing issues.

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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Credit Card company closed my accounts while I was in XXXX over a mistake that was made by them. They said they didn't receive a {$100.00} dollar payment and it was reversed then repaid and the payment clearly shows up on XX/XX/XXXX on my account, shows they received the money but they for three months claimed they were working on it just for me to find out they lied and the accounts have been closed since XX/XX/XXXX. They have lied, taken money without authorization and also tanked my credit score while I was applying for a Small Business Administration Loan,  costing me likely {$10000.00} while I was on my way to XXXX to do my job as a XXXX  XXXX. They have given someone not on the account information that should not be given out to anyone but the account holder as well. This is obviously a violation of my privacy, this has been happened since around the XXXX of XXXX and is still currently going on. I have called repeatedly and have ben lied to every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: AmeriCollect
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged for services they were not completed. Never received results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was told to go home. I never received a bill for the debt and then was contacted by Americollect about the balance. I told them what happened and they advised the amount would be taken care of. I thought it was fine since no other contact or correspondence was sent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: CORELOGIC INC
State: TX
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 don't recognize this credit inquiry nor did i allow 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
Consumer complaint received 2018-01-27
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:
XXXX XXXX had illegal obtain my information without consent in an effort to exort money out of me by walking around in the neighborhood signing people of for service without their knowledge or approval. I found out in 2017 from the Student loan department about the debt. I had a police report due to someon stealing my identity. I filed with Experian on numerous counts with this police report but, experian rep 's have intentionally and knowingly fabicate to me about filing such dispute than a rep by XXXX threaten to send to all bureaus about XXXX because I continue to file the dispute. I told her she is violating my rights and so is Experian by continuing to report the information intentionally and knowingly this account is a fraud by police report but, Experian system will not allow me to download Police report and response by sending to their XXXX XXXX which, they claim they never get. I have asked Experian to remove this from by credit but, they are aware that this is a SCAM by XXXX and refuses to remove this off my credit report. My credit is good this is the only negative thing on my credit. I am not a Debtor. I pay my bills which, my history provides evidences that my debt are paid to full balance on time. Experian continues to violate by RIGHT BY NOT REMOVING THIS SCAM ACCOUNT OFF MY RECORD -- Attached a Copy of the police report and I will also be filing with another federal office on Experian

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 2018-01-27
Company: SUNRISE CREDIT SERVICES, INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a chapter XXXX discharge XX/XX/XXXX about the middle of XX/XX/XXXX i got a bill from one of my included bills XXXX. I called and talked to them and gave them bankruptcy case number and they said ok. XX/XX/XXXX I receive a collections notice from sunrise credit service for this discharged XXXX bill. I called sunrise credit and told them the same thing and gave them all my information on my chapter XXXX case and also my lawyers info. I then contact my lawyer and give them the copy of my letter i received from XXXX XXXX and they said they would send out new letters to XXXX  and sunrise credit ... .but this has been ignored by both XXXX and sunrise credit. 

Then I get the same letter a month XX/XX/XXXX later from sunrise credit again saying the same thing. I call them once again and tell them all the same information chapter XXXX case number and lawyer information. They just said " well XXXX said it was a good debt so we have to collect on it '' So now I get a collection debt on my already weak credit report with XXXX. I disputed this with XXXX and they said they contacted Sunrise credit and they said it was a good debt so XXXX wont remove this illegal debt/collection from my credit report. I dont have access to my other reports so I cant tell if the collection is on XXXX  and XXXX but it probably is.

I just need help removing the debt from my credit report and help making XXXX and sunrise realize this is illegal to collect on a discharged debt.

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 2019-07-01
Company: INTEGRAL RECOVERIES, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 and XX/XX/2019 I was contacted on my cell phone number from someone named XXXX asking for my husband to call her back at XXXX ext XXXX. She did not express that she was calling in regards to a debt or identify what company she was calling from. My husband has also been receiving these voicemails. There have also been calls made to his work where a woman asked for my husband but refused to say where she was calling from. She was rude to his coworker and as my husband was not available, they did not leave a message, they just hung up on his coworker. Today I called the number they called me from, XXXX and spoke to a woman named XXXX who did not identify the company name until I repeatedly told her that she needed to identify the company they are calling myself, my husband and my husband 's job, from. She finally told me that they are with Integral Recovery Services. When I told her I am going to report them for the harassing phone calls and voicemails where they have refused to identify where they are calling from, she laughed and said who are you going to report this to. I just let her know they will be contacted regarding this. It is inappropriate for a debt collector to not identify where they are calling from, to not even say that this is regarding a debt, to call multiple phone numbers multiple times and then to act rudely towards the people they are calling when we want to know who they are employed with. This has become very disruptive to both my husband and myself, as well as my husband 's job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: NV
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:
My name is wrong have 5 name I have 4 address one is a business building only 2 correct address are on there

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 2019-07-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XX/XX/2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items 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 explanation
Consumer complaint received 2019-05-16
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:
I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with written proof from the debtor that I am not liable for this. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately or I may have to contact higher legal counsel regarding this matter.

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 2019-07-01
Company: JPMORGAN CHASE & CO.
State: TX
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 don't recall allowing this credit inquiry.

Company response to consumer: Closed with non-monetary relief