BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
About XXXX, I worked at the same job for 19 years rapidly climbing the ladder to a management position. During the next several years my credit was excellent. During the downfall of the late XXXX XXXX I had financial problems and some hospital bills that eventually led me to bankruptcy. All debts were listed as required by the courts and my bankruptcy was settled, stamped-and I had 10 years of basically no credit. The 10 year waiting period was over about 4 years ago-and my credit score has regained it 's once good rating. I 'm still only at XXXX, but out of the 5 cards that I have-2 credit and 3 store cards totalling XXXX worth of credit with an outstanding balance of all of them combined of about 6,000usd. I have applied for an American Express card twice in the last year. They have denied my request because of the fact that I added that account to my bankruptcy and still owed them money. My bankruptcy is completely off of my record. Why would one credit card company be able to do this when all others do not even keep those records. They have been forgiven as they are insured. The XXXX XXXX XXXX XXXX that I had for many years was actually given to me by my employer. I made the payments that were not business related, but it was still under the business name. Is it legal for them to do this? I can certainly live without one of their cards, but why are they able to hold onto those records that were dismissed by the federal court system in XXXX XXXX a long time ago. That is their reason for not issuing one to me-een a green or now a blue XXXX! It is because I owe them money-from a business account that actually belonged to the business, making them the responsible party. I listed it to protect myself in the event that a special law would in fact make this my responsibility, which I felt it was, actually, thus listing it. They are holding onto these records now for 20 years now. XXXX did not do this or any other card I now hold in good standing again. Thanks for your time. Happy Holidays-regardless of what the XXXX XXXX! I do say XXXX XXXX to my family, but what is this nonsense of being too politically correct? Oh-wrong timing here. Sorry! 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Regarding : Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX Dear Sirs ; As a debt buyer I expect and require you provide a copy of the application for credit with my signature electronic or otherwise for proof this is my debt. According to my records this debt does not appear on any of the three XXXX, XXXX XXXX or XXXX   credit reporting agencies credit reports was not authorized for me or by me was never mine I submitted a complaint to the XXXX. The ID # is XXXX. 
I have submitted a complaint to Texas Attorney General My record keeping does not suggest I have this debt. They do not have any evidence to substantiate its claim that this debt Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX is a legitimate debt. Furthermore, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. 
While I understand LVNV Funding LLC, ( LVNV ) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP ( Resurgent ) to manage that debt, and hires XXXX XXXX XXXX to prosecute consumers, this is NOT acceptable. You did not complete your due diligence in this matter because this is not my debt. I want your company provide proof this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
There was an error on my credit file with XXXX XXXX XXXX. I disputed it with Trans Union. They deleted it from my credit. Now Trans Union just put it back on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was on a work conference in XXXX XXXX XXXX, California at the XXXX XXXX  XXXX XXXX XXXX XXXX ( from here on referred to as " the resort '' ). I stayed for 4 nights but my room was paid for by my job. My only responsibility was to provide a maximum of a {$100.00} / day room deposit. At the end of my stay the only amount on hold was near {$270.00}. When I left it was about XXXX XXXX, so I did an express checkout, leaving the key in the drop box. I assumed my receipt would be e-mailed to me since as part of my check in they requested my email address. It was never emailed to me. 

Two days later my deposit was returned to me. However, today I received a notification stating that my account had been overdrawn to a balance of - {$520.00} and the reason was that XXXX XXXX XXXX had placed a {$820.00} charge on my card. I called the resort however I am overseas so while I was able to speak to a receptionist I was not able to get in touch with the finance department because they did not open XXXX XXXX. I had a member from my family who is still in the country continue to call the resort on my behalf. His first attempt the call did not go through. His second attempt after XXXX he was told he could leave a voicemail. He told them he did not want to leave a voice message he wanted to talk to a live representative. They transferred him, and the phone rang through to voicemail. He left his information. He called back two more times to no avail. We still have not been able to contact the resort 's finance department. We have been calling almost every half hour now since XXXX XXXX  and still have not reached XXXX, the person in the finance department. 

My complaint is based on the following issues : 1. There was no physical damage to my room that would warrant the resort keeping my deposit.

2. The hotel staff stated that the hold would be for {$100.00} a day so the maximum that should have been charged to my card is {$400.00}.

3. I was never provided with a receipt even though the resort has the means to provide me with one.

4. The resort seems lax and even non attentive to the issue at hand and seems to be avoiding contact.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 inquiries on my credit report that dont belong to me at all

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 2023-03-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was affected by the pandemic for a couple years from XX/XX/XXXX through XX/XX/XXXX. I was unemployed for the first time ever during that period because of the pandemic. Now I'm attempting to repair my credit and in doing so I noticed a creditor popped up on my credit report. Midland Credit MANAGEMENT. XXXX XXXX XXXX. XXXX XXXX, California XXXX. XXXX. This debt is being reported as if it is something recent. It was reported in XX/XX/XXXX which shows on my credit report. I told the Creditor that I was not familiar with this and I believe that if it is something that I owe or owed in the past, that is something very old likely over 7 years old. Note that this has not ever been on my credit and is just showing up. I believe that they are misrepresenting by reporting this as a recent debt. I am in the process of disputing this but wanted to report this as a tactic that this company is using by reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Each day McCarthy Burgess & Wolff calls my cell number. I return the call, and they say my number is not in their registry, they can not remove my number. I have no outstanding debts turned over to collections. These are harassing irresponsible robocalls. This has been going on for several weeks. 

Their address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX I will put my phone in the do not call registry again, hoping this reduces the robocalls. This irresponsible company needs to pay me a rate of {$60.00} per hour for each call, and then pay me a {$5000.00} pain in the XXXX fee. Then maybe I'll forget the whole thing before I travel to Ohio later this year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect a deposit that is not due as a result of their breach of contract. I never received the keys to the apartment nor did I move in, since the terms of the lease were breached before making payment so I terminated the lease prior to move in date. This was communicated to XXXX XXXXt on multiple occasions and my attorney sent a letter to them confirming this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following companies did not have my permission to run my credit. 

US SM BUS ADMIN 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 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 non-monetary relief
Consumer complaint received 2020-02-27
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: Information belongs to someone else

Complaint:
Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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:
Never left from my original home. Im not certain why i have this balance. Please help.

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 2018-02-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase has {$4500.00} of my money more than a month after they said they returned it. On XX/XX/XXXX I wire transferred {$4500.00} from my bank to my XXXX account at Coinbase, who said on XX/XX/XXXX the wire was rejected and would be returned because of a name mismatch. I hadn't received the money by XX/XX/XXXX so I filed a complaint with the CFPB. On XX/XX/XXXX, exactly 15 days later, Coinbase told CFPB that the money was returned on XX/XX/XXXX and that the case was resolved. Further, Coinbase told me and the CFPB that I should ask my bank where the money was and they provided a FED reference number. My bank could not find the money and said that I should ask Coinbase to trace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have been trying to clean up my credit with Experian and they are not cooperating with me. The other two credit agencies have been great my score with them is over 600 but for Experian they are not clean the negative things off my report. My report should not be XXXX. Even the company that I hired tried to get them to take off the old stuff and they are not doing 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 2020-02-26
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
The foundation of my complaint ( s ) being filed against Early Warning Systems directly correlates to, and should be made part of as an addition, to another company, XXXX XXXX, for whom I've previously filed a complaint on as well. More specifically, Early Warning Systems, of whom XXXX XXXX is part owner as well as a partner in business, has been identified by over 8 banks, 2 insurance companies and multiple other institutions and/or business as the sole reason for my having been denied the ability to open a checking account, get insurance, rent a place to live, and even turned down in an attempt to cash a legitimate cashiers check. I have since been notified by XXXX XXXX that they, also inaccurately, incorrectly, and with intent, made use of misinformation in collusion with Early Warning Systems to identify me as " High Risk '', and a possible perpetrator of fraudulent activity. So to validate my claims and to clearly give full validation to the fact that Early Warning Systems, in conjunction with and under the direction of XXXX XXXX, violated my rights provided for under the Federal Consumer Prevention Act. I am stating as facts and providing inquiries of evidence through response, to assist the CFPB in your efforts to ascertain, and act upon, the CFPB 's subsequent investigation and conclusion. 
1. The account ( s ) by which Early Warning Systems, through XXXX XXXX 's direction relies upon to create their report on me and furnish to those making inquiries are, and have always been, the direct cause of identity theft and fraud against me through XXXX XXXX. A. I never, personally, nor through another, ever contacted, disputed, filed a claim, nor was aware in any way as to the aforementioned. B. Not only did I inform XXXX XXXX of the identity theft and fraud ; I also informed them that they had without my authorization, knowledge or permission taken legitimate payments from multiple creditors that by law must be returned. C. The negative account ( s ) from which the fraud occurred at XXXX XXXX occurred over a five day period, involving numerous transactions, and involved multiple accounts of different creditor 's. At no point did XXXX XXXX freeze my account. They also, never contacted me by phone, by text, by email, etc. 
I have filed and provided copies to Early Warning Systems, XXXX XXXX, etc. with a copy of a police report, FTC report, three CFPB reports and I have provided letters with documentation to the Federal Reserve and Attorney General. I not only welcome but have begged for a full investigation to which I now believe is to occur. Early Warning Systems is required by law and regulations must remove all negative items and cease furnishing all negative items immediately or supply documentation and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Pursuant to 15 USC 1692 G BILLING STATEMENTS DOES NOT VALIDATE A DEBT neither does a signature or contract. 

ERC failed to give me validation after the initial communication it is a individual action under this statue i had to request validation they responded with billing statements thats not validation. 

I AM NOW REQUESTING verification! I want to know who the original creditor is and the name and address of the original creditor. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: General Motors Financial Company, Inc.
State: MI
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 a 30 day late payment listed on my credit report with GM Financial on my XXXX   credit report. I disputed this late fee, as it was for the last month of my lease, and was supposed to have been rolled into my final payoff amount ( which I paid promptly ). My  dispute results came back as " updated '' but still show the inaccurate late fee. It now also shows additional inaccurate information. My lease was paid off in XXXX of XXXX, but it now shows regular payments being made ( on time ) on that account until XXXX of XXXX. The {$0.00} balance is accurate, but the late fee was not removed, and is still showing on my credit report ( but was changed from XX/XX/XXXX to XXXX of XXXX. I have not had a late payment on any account in almost 10 years, and am trying to protect my credit score. This inaccurate reporting is very frustrating, and the dispute service is not  satisfactory at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: SYNCHRONY FINANCIAL
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:
I submitted a credit dispute relating to a Rooms to Go Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called Rooms to Go and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another 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 explanation
Consumer complaint received 2015-08-19
Company: HOVG, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from Bay Area Credit to collect on a debt that does not exist. My only existing debt is my student loan debt which is handled by XXXX XXXX. Bay Area first repeatedly called my parents ' house back in XXXX 2015 -- where I do not live -- attempting to collect personal information about me. My mother told them she would report them and they stopped calling my parents. Somehow, they obtained my cell phone number ; their first call to me was on XXXX XXXX, 2015 ( XXXX, no messages ). Since then, they call during my work day. They have only ever left a voicemail XXXX, and they sounded suspicious. Sometimes they call every day, sometimes they call maybe once or twice per week. I 've contacted XXXX ID ( a credit monitoring service -- set up after the XXXX cyber attack ) regarding the calls, and they told me this is likely a phishing scam and to ignore the calls from Bay Area. I followed their advice to ignore their calls, but they are really annoying. I am on the Do Not Call registry. Please make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Source Receivables Management LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1. Completed a police report on XX/XX/2022 2. Sent a letter certified mail to XXXX XXXX on XX/XX/2022 and XX/XX/2022 for validation of the debit and got no response 3. Active fraud alert is on file with all XXXX bureau 's

Company response to consumer: Closed with explanation