BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XX/XX/XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

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 2021-10-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter

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 2018-11-03
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
On XX/XX/2018 I applied for the American Express Green card. On the we page from American Express which I applied on it stated " Special Offer for you! Earn 25,000 Membership Rewards points after you spend {$1000.00} dollars on purchases on your new card within the first three months! '' I proceeded to apply and was subsequently approved. After meeting the terms within the first month I waited for my bonus to post to my Membership Rewards account but nothing came for 3 months, and that is when I made my first inquiry to American Express. I was told an investigation would be opened but never heard anything back. A few months later, after repeatedly attempting to get information regarding my inquiry, I inquired again and they said " We have reviewed you account and do not have a record of the 25,000 points offer being extended to you. Therefore we are unable to award these points to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Continental Finance Company, LLC
State: TX
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:
spoke with XXXX at XXXX, we did a 3 way conference call with my bank.bank rep confirmed that a payment was made on XXXX-XXXX-19 to my XXXX  card.XXXX  stated that no payment was received on the card.i asked where did the money go that was taken from the checking account? XXXX stated she did not know.i was told to call back at another time.i have attempted to call back several times, they continued to route me to several others that said they have no knowledge of the XXXX  account.another payment is due soon, i do not know to who or where to send payment or if they will take the money and not credit the credit card. please advise 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 2018-11-03
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am very concerned that this bank engages in deceptive practices by using certain language and not using other language In order to get customers to both open and keep open the account so that they may incur uneccesary fees. This bank claims that in its terms and agreements it outlines that if you make a Single late payment not including it a recurring credit bureau audits it can and will decrease your credit limit. This action adversely affects the customer. The company claims its in its terms and agreements, how convenient. How can a company charge a late fee 1 day after the due date when they dont offer any alternatives to the customer to avoid making a late a payment. Such as, automatic debit payments, 1,2 or 3 day curtousey text, email reminder or grace periods for payments. Instead this bank and its representatives have said that I should use the features MY BANK offers me in which to pay my bill on time. I feel The burden should not be on the consumer to avoid late fees if the banking institution hasnt fully developed options for its customers to make a payment ON TIME. You have to physically log on every time just to make a payment and or schedule one every 30 days. This is not okay considering XXXX hasnt met its burden of providing payment options only to turn around and make money off of customers for their inadequesies.. These bogus terms and agreements, then gives them the legal authority to charge an account {$27.00} for a late payment without providing ANY GRACE PERIOD. This company turns around and punish the customer for not using a feature of THIER bank to make payments. I have many CC companies and Ive NEVER had my credit limit decreased. I am closing my account and cutting my losses. If they can close my account at its own discretion which will then have a negative impact on my credit, I should cut my losses early. This option is NOT favorable to consumers. But these practices leave consumers no choice but to stop doing business with this kind of company. One with no ethics and is predatory. This predatory banking/lending institution should be closed down for its deceptive and unfair practices against consumers. This bank is equvilanent to XXXX XXXX. A shady company to say the least. A XXXX Card is BEST A CLOSED CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: Fleet Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I bought a new XXXX XXXX in XX/XX/2016, the apr was very high at 17 % financed by XXXX XXXX XXXX. I received a flyer on the mail from ilendingdirect with a refinancing offer and I called them. On the phone, I talked with some representative like 2 weeks ago, and he offered me very attractive numbers, like an APR of 6 %, a reduced payoff balance from XXXX to around 11k, a new monthly payment of {$310.00} ( compared with {$390.00} i was paying ) and the same remaining period that is from 36 to 39 months. I verbally agreed with these offers from ilendingdirect. Immediately after that, this man sent me electronic documents to sign and, without give time to read, he made sign and write down my initials on the parts he pointed me to do so. I was told that my new financial institution would be XXXX. 
After a few days I called XXXX And asked about my loan refinance status. 
They identified my loan, but they told me a totally different numbers. the new payoff balance raised up from XXXX to more than 14k, the new period of time from 36 to 54 months, the only true thing he said was the monthly payment ( {$310.00} ). 
I called ilendingdirect direct to complain, and the same man told me that I dont understand mathematics and even told me that i dont understand English. After these insults, i asked him to please cancel all this operation because I never agreed with something like that, and he said No because it has already been processed. 
I dont really make too much money in my job, and I was looking for some reduction help from 17 % APR to something better, I never thought i would ended up paying more money. I better stay the way my loan was before. 
They told me lies on the phone and made sign a different thing. 
I fell scammed and Im looking for help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL DEBT ME Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: PMAB,LLC
State: NC
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:
I sent an account validation letter to PMAB that was received in their office on XX/XX/2020. I received a response date XX/XX/2020. First problem was that i did not receive anything that was signed by me to give the permission to have access to very private information. ( HIPAA violation ) The next problem I noticed was that they have changed the account number from what they are reporting to the 3 major bureaus.Example : One account is being reported as XXXX but they responded to my validation letter listing that account as XXXX. They did this for each account i requested validation for. I have tried to dispute these accounts with the bureaus and they are giving me push back when I forward the information to them that I received from PMAB. This is clearly an attempt to keep me from disputing the validity of these items.I have been keeping very meticulous records of this situation. I will not hesitate to use all resources available to me to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: IN
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:
Equifax is continually ALL of XX/XX/XXXX and most of XX/XX/XXXX reporting Fraud. Equifax was sent NUMEROUS TIMES!!!!!!!!!!! A Police Report, Notarized Sworn Affidavit and ID theft Report. The XXXX WHO WORK at Equifax Refuse to supply to i, any proof or evidence that the Account ( s ) i have disputed are considered by Equifax to be valid. EVERY ACCOUNT EQUIFAX IS REPORTING ON THE XXXX XXXX XXXX CREDIT REPORT IS FRAUD. 99 % of the Account ( s ) that Equifax is reporting, HAS BEEN REMOVED FROM THE OTHER TWO CREDIT REPORTS BY THE SO CALLED CREDITORS THEMSELVES. The accounts are NOT MY ACCOUNTS, NOT MY DEBTS. Equifax is in violation of Fair Debt Collection Practices Act and the Fair Credit Reporting Act. There is NO HIGHER FORM OF EVIDENCE then Sworn Affidavit ... .Yet Equifax has Ignored the LAW, the RULES THAT GOVERN THEIR ACTIONS. This report will be used against Equifax in Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: CA
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:
XXXX, XXXX and Equifax are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was involved in the XXXX  Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my XXXX and Transunion report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: CA
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 have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.

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 2017-07-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've been disputing this alleged debt from Midland Funding LLC, in the amount of {$460.00}, since XXXX thru XXXX. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files, all but not limited-XXXX, XXXX, XXXX. The business is required to disclose to me all documents that they have recorded and retained in their files to this alleged debt. If Midland Funding LLC.does not have any documentation, they need to retract this from my credit file immediately. In addition, this business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a monthly recurring charge for {$54.00} for five months now from Google that I never authorized. I have never signed up for anything with google for this amount. I called my credit Card company XXXX XXXX and they said to take it up with Google. I went to call Google which they had no contacts for me to call them. So I did the complaint online like they asked. I could only go back for the last four months. I did the fifth one as a more recent date. My XXXX email received an email from Google regarding they received all my complaints. But when I go online to see the status, Google says completed yet I never received any other Emails or call from them regarding the charges. Please have Google remove all charges {$54.00} for five months that were never authorized by me. Also how did they get My Credit Card number? I never called Google for anything. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian lists on my credit report XXXX Report # XXXX ) one negative account -- a XXXX XXXX XXXX XXXX ( XXXX ). Experian also states that because the item has been contested once that my only options going forward are either to upload " new '' information that would, according to Experian, justify a reinvestigation or to call Experian and almost certainly be put on hold. So obviously this method is much more efficient for me both in time and with regard to the fact there is no " new '' information to upload -- the fact is that the account is past the statute of limitations for listing. The first missed payment/delinquency occurred over seven years ago. There is nothing I could upload that would clarify this for Experian. A company does not get to start the statute of limitations clock based upon the first time an account was sent to collections, but rather when the last payment was missed. I also do not recall what I based my earlier request for an investigation on but I strongly doubt it was based on a statute of limitations argument. It may have been that at that time I did not recognize the account, as the origin of the account is well over ten years ago.

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 2018-11-03
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I have sent in multiple FTC reports for fraudulent accounts to Equifax and they refuse to delete them. I have a afraid alert on my account and has had one for months. I need these to account immediately deleted because it is messing up my credit history and hindering me to buy a home! I need a new report delivered to me once deleted. Thank you amounts and dates as attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting on XX/XX/XXXX I began receiving calls from Goldman Sachs. I explained I am not the Debtor they are seeking, but I am the mother. My son is in XXXX and has been in XXXX since XX/XX/XXXX. Since XX/XX/XXXX I have received XXXX calls, some days 3 times a day with me constantly saying I am not the Debtor. I asked on XXXX of the calls from yesterday XX/XX/XXXX and today XX/XX/XXXX to remove my number from the list. I was told on today by " XXXX '' ( I think ) she can not remove my number. After XXXX calls before XXXX I have since then received XXXX more calls. I am not the Debtor, I do not owe you money. The phone number you continue to call is my phone I pay the bill on and I will not stand for harassment.

Company response to consumer: Closed with explanation