BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a notice that a creditor had denied me because of a fraud alert on my equifax credit report. I talked with equifax and they say there is not fraud alert at all and i should be fine. I logged into my equifax account and it does show that i have an extended fraud alert on there. They still say i dont when i call. I need this to go away and the problem to be fixed. I guess htey can not see their own alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To Whom It May Concern About two years ago, before XX/XX/2018 I changed my phone number from XXXX XXX XXXX to XXXX XXX XXXX. It seems that shortly after I received very frequent calls from what appeared to be debt XXXX asking for " XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX  '' At one time I was able to trace back the number to American Express, and I had several conversations with American Express also in response to my Corporate Business Card. American Express confirmed there was some suspicious activity on my phone number and perhaps even my corporate credit card, so I swapped out the credit card for a new one with a new number. 

However, the calls asking for " XXXX XXXX '', or " XXXX XXXX '' did not stop and they came from different numbers, some did not reveal their identities and were unable to provide callback numbers. 

Further, I have now a confirmed report from my mother-in-law who lives in XXXX ( XXXX XXXX XXXX ), who I frequently send text messages to and call. She also got a call from someone requesting " XXXX XXXX XXXX '', and I am following up on this as well. So far I have not noticed any activity on my smartphone which suggests it was taken over by a hacker but I am considering a phone number change and a new phone if the problem continues, however this is a costly action to take. 

At this moment I have not experienced financial losses but it appears there are criminals hacking my contact list and/or trying to take over my smartphone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XX/XX/XXXX XXXX XX/XX/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 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 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 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 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 2020-11-06
Company: Central States Recovery, Inc.
State: OK
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:
On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with Central states recovery and the original creditor XXXX XXXX XXXX XXXX XXXX about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company XXXX debt recovery solutions XXXX in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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:
This is in regards to XXXX XXXX / XXXX XXXX XXXX. 
It is related to two accounts where I asked for proof of ownership and validation. 
I requested this information on two separate occasions Please see attached validation request letters dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. 
Midland originally used XXXX XXXX and XXXX XXXX to contact me. I requested validation from them ( XX/XX/XXXX and XX/XX/XXXX ). I received a standard " non-specific '' response stating that they " are uncertain of what I was disputing ''. I clearly requested documentation from XXXX ( aka XXXX XXXX XXXX is who responded ). 
Again, on XX/XX/2018 I requested validation and requested very specific documentation for both accounts. Again, on XX/XX/XXXX ( by mail ) received the very same template response. 
I have attached all of these documents to this complaint. 
XXXX XXXX XXXX and XXXX XXXX has failed to send any valid documents to me to reflecting that they are the true creditor on these two accounts. I am requesting them to cancel the accounts and cease all collections. So far to my knowledge, they ( Midland ) has not reported any account to my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2018-05-24
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was automatically enrolled into a Rewards point sharing program between American Express and XXXX, and received the email below. I never agreed to have my information shared with XXXX or any other affiliate. By claiming this to be a " convenience '', American Express has unilaterally decided to share my information. 
I had to un-enroll myself by logging onto my XXXX account. 

Text of the email I received, is shown below this line " Why am I receiving this email? 
For your convenience, American Express and XXXX have worked together to launch a new feature that automatically enrolls your American Express Membership Rewards card to Shop with Points at XXXX. Now that youve used your card for your XXXX purchases, you can view your Membership Rewards point balance and redeem for eligible purchases on XXXX, without the extra hassle of manually registering online. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2018-10-12
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : Account XXXX XXXX This letter is sent in response to [ a letter/phone call ] I received on [ XX/XX/2020 ]. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Also please include proof of the original contract with my signature. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX Telephone Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
State: OH
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 customer service

Complaint:
Hi, I called Citibank Credit Card services over 20 times and their customer service is unprofessional. I've been trying to be able to add authorized users to my credit card since I ' m allowed up to 10 people, and Citibank gave me a hard time to add 5 people. I tried to add the 6th person on XX/XX/2019 and Citibank wouldn't allow me. They said I have a block on my credit file. I called all three credit bureaus, XXXX, XXXX, and XXXX numerous of times and they do not have a freeze or security hold of my credit file.

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 2020-11-12
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good morning, I called my student loan provider this morning to initiate a refund for a payment made on XX/XX/2020. From my understanding, through the CARES ACT and PRESIDENTIAL ACTION ANY payment made towards to your student loans between XX/XX/XXXX to XX/XX/2020 can be refunded. My student loan provider informed me because the payment I made made the loan paid in full, they don't have the tools to refund me the payment. I feel this is a direct violation of the Cares act and the action the president took. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I have been disputing an account that is reporting incorrectly on my credit report since XXXX of XXXX. I understand that due to COVID, there were delays in receiving responses from the credit reporting agencies and creditors, but at this point there is no reason as to why the paid OneMain Financial charge-off is still reporting inaccurately. 

On XX/XX/XXXX, I received a letter from OneMain stating they have requested that the credit reporting agencies make the necessary corrections to my account.

For example, the last payment date, payment history, and high credit limit are not reporting correctly. This inaccuracy was confirmed by OneMain.

I was advised by OneMain to allow up to 30 days for my credit report to reflect the update of this information. I just reviewed my credit report, 7 months later, and the errors are still there!

My most recent letter to OneMain was sent on XX/XX/XXXX, and to date I have not received a response. 

It is clear that they do not maintain reasonable procedures to ensure the accuracy of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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: Account status incorrect

Complaint:
on XX/XX/XXXX 2018 XXXX XXXX XXXX experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days.

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX XXXX I sent Equifax a dispute letter to have all unauthorized inquires removed from my credit report as after not hearing back from Equifax after 30 days, I followed up with sending another dispute letter as they failed to respond to my dispute letter of XX/XX/XXXX. The reason I sent my 2nd dispute letter is because I know its federal law that requires the credit bureau to respond within 30 days in which they did not. As of today I have not received anything in correspondence to my letters. I have also tried calling multiple times. In fact I called today and they made me aware that there systems were down and there was nothing they could do for me. I then asked to speak to a supervisor and the repressive made me aware that she was not able to get me in contact with her supervisor. 

For my second follow up letter I did place a tracker in which they received on XX/XX/XXXX. The tracker is also attached in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used Cash app square , Inc app to make a stock purchase. I made an order over the weekend. The stock purchase was supposed to execute at XXXX on Monday XX/XX/20. I was supposed to be {$4000.00} purchase of stock XXXX at {$9.00} per share. But the CashApp company did not make the purchase at XXXX. I submitted a cancel order request at XXXX. But as I submitted the cancellation request, the company actually made the purchase at {$13.00} per share. I did not authorize the purchase. I contacted the company through email on several occasions about the unauthorized trade but they have been unresponsive. They do not have a telephone number available to customers. I would like a refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Back in XX/XX/2021 I increased my credit card limit. Transunion continues to report outdated information from XX/XX/2021. Every other month they drop my score between 30-45 points claiming that my credit limit has decreased and the next month they report an increase and raise the score, only to go back to XXXX report the next month and drop my score again! I have filed numerous disputes and spent hours on the phone with XXXX XXXX, Transunion, and my credit card company trying to get this resolved since I am trying to fix my credit and purchase a home. Transunion continues to blame the issue on my credit card company, except that all the other credit bureaus are reporting accurate information, so its clearly transunions issue.

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 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I had a Capitol One Credit Card, paid late, they sold it to XXXX XXXX XXXX XXXX XXXX did a great job of helping me ). Capitol One still shows that i have an active account with them even though I have a paid in full letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got 3 letters from XXXX XXXX XXXX XXXX on XX/XX/XXXX for Charges that were through XXXX XXXX and XXXX XXXX Payments that happened in XXXX. i double checked my records and bank transactions and the listed charges ( XXXX, XXXX, and XXXX ) are non existent. When i contacted them, they claimed the purchases were made on a account from XXXX XXXX XXXX under my name. Contacted XXXX XXXX to be told there is no account under my name at all. While contacting XXXX they asked me for my State ID number which i refused to give them. I want to these scam charges cleared before it affects 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