BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is constantly calling My cell and House phone number is called multiple times a day at least 20,  they call all day Saturday and Sunday before XXXX on one Saturday morning, they leave threatening messages threatening legal action in a court case, They call after XXXX pXXXX, I have asked them to contact me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
In the month of XX/XX/XXXX my employer XXXX was involved in Hurricane Florence. I informed Capital One of this information and they initially agreed to assist me and not report my account as delinquent. I was out of work from XX/XX/2018-XX/XX/2018 and was not able to make any payments toward this account or others. I also was told that I would be alright until I returned to work. 

Capital One negatively reported to the 3 bureaus that I was delinquent in my payments and because of this I was denied a vehicle loan by my bank. Capital One failed to properly investigate this circumstance and would not take any accountability for the inaccurate reporting that took place for month of XX/XX/XXXX, or XX/XX/XXXX. It is not right and the other companies in which I hold cards did not report missing payments. I was told that this could be removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-06
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I 'll describe the recent call activity that took place today which was identical to the first situation that happened about two months ago with the exact same call representative. The gentlemen that called today, XX/XX/XXXX 2017, initially wanted to confirm my identity by asking for the last four digits of my social security number or date of birth. When I told him I was n't comfortable giving him my identity credentials his temperament immediately changed. He then asked why I was n't comfortable sharing my identification with him now, as opposed to two months ago. I told him because he refused to mention why he was calling in the first place. He also refused to identify himself. I then hung up the call and that 's when he overwhelmed my cell phone with at least 5 consecutive calls, back-to-back. That was before he already called 3 times before I answered the call.
The incident two months ago was worst in all aspects of the conversation. He threatened to report me to all credit agencies and that he would eventually get what he needed out of me. He used extremely aggressive language and his tone was nothing less than hostile. After I hung up on him due to his verbal abusive rant, he then proceeded to call my wife and threaten her as well. She 's XXXX XXXX XXXX XXXX and answered her call during a meeting, where some of her colleagues overheard the gentlemen and suggested that she should end the call because it sounded like a typical " scam call ''.

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 2018-06-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received notification from XXXX XXXX XXXX that I owed a debt previously owned by XXXXXXXX XXXX that I believed to have been settled ( believe account was settled for approx. {$900.00} payments reflected on old bank statements ). I sent a certified letter to the address on the notification asking for an account statement or complete history reflecting name, last four digits of the account number at the time of charge-off and the charge off balance or claimed balance including any post charge off payments. As well as other information such as transaction history and evidence of the transfer of ownership. The reason I asked post charge off payments because this company falsely reported payments to lengthen or reactivate debt. I never received the requested information but was served a summons. Even the exhibits that are attached to the summons do not include the alleged payments I was supposed to have made. Exhibits shows two statements. One from XX/XX/XXXX showing payments I did in fact make ( shows on my bank statements ) and another from XX/XX/XXXX showing no payments. Company falsely reported I made payments on this account in XX/XX/XXXX after they supposedly acquired account in XX/XX/XXXX. Also sent someone to my house to photograph my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Pursuant to the Fair Credit Reporting Act, Congress states that TransUnion who is a Credit reporting agency has assumed a vital role and the banking system is dependent on the fair and accurate reporting of consumer 's information. I did not give TransUnion initial written consent to furnish and report my non public information in which is a result of identity theft. TranUnion has done so without Permissible Purposes from the consumer in violation of the Fair Credit Reporting Act. TransUnion is reporting inaccurate accounts of alleged debt in a positive balance, alleged transactional history between the consumer and the creditor. I demanded these items be deleted and TransUnion failed to do so, they can not receive verification from XXXX  XXXX for I am the only competent witness with firsthand knowledge and facts. My information is being reported under false pretenses with the collusion between TransUnion and XXXX XXXX XXXX XXXX was sent a dispute letter and has not verified any alleged debt.

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 2021-06-25
Company: EQUIFAX, INC.
State: MA
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:
HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : XXXX IS A SCAM I received a very good scam letter in the mail proclaiming that i owe XXXX from a paypal debt issued but when i call XXXX they inform me that this is in fact a Scam I was able to dig up some info regarding this scam and I stumbled into something i want to pass along The link above TRICKED ME into giving my last 4 of SSN. 

my reference ID the scammers assigned me is XXXX to a XXXX XXXX account # XXXX that they want me to pay The address on my Fake debt Letter is AMERICAN CORADIUS INTERNATIONAL LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX phone number on my fake debt letter to contact is XXXX This is where they want me to send the money I dont owe The rabbit hole goes deeper. 

The return address on the fake debt is XXXX XXXX XXXX XXXX Tx XXXX which belongs to a home owner fronting it as a commecial printing company called XXXX XXXX I managed to find phone number connected to this scammers home address XXXX And XXXX they print professional documents from home which explains how they were able to send out this believable fake scam letter that looks like a blank check. I dont know if the CEO of XXXX XXXX who is based out of New york is a part of this but here is his email ( XXXX XXXX ) XXXX Perhaps he can be helped to discover that if its not him doing this then its one of his 29 employees using his commercial printing business to also create fake debts and send them out to people under a company that is actually legit but has nothing to do with this. 

I am Training to become a XXXX  XXXX. Imagine the information I could retrieve and continue to dig and discover. I mainly just want this operation to Cease trying to scam myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
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 theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.

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 2017-11-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX I was notified of a " late payment '' on my American Airlines Barclays MasterCard. This card is typically a dormant card and has had XXXX to little use. The card had a {$12.00} Equifax charge which I disputed, then tried to pay online in XXXX, which then turned into a late payment in XXXX and accrued fees that I was not aware of due to their system not working for my payment. I tried to pay the account in full in mid XXXX but received multiple error messages on their website while making the payment. In early XXXX XXXX then paid again for the total amount due including bogus late fees and monthly service fees. In XXXX I spoke to a XXXX who stated they would remove all late fees and the reporting of Late Payment to the credit companies due to error. 

In XXXX or XXXX I checked my report again and the late payment was still there. I disputed with the credit bureaus and got a letter from the company stating their reporting was accurate. Even though their system did not work when I made payment and called several times to make arrangements. 

I 'm trying to get a mortgage right now, and this has lowered my score by XXXX points on two of the reports that have the late fee. I 'm at XXXX on XXXX and XXXX on the XXXX others, which disqualifies me from the mortgage for me and my family. XXXX all over {$12.00} in dispute ) This is truly unfair treatment as I have excellent credit otherwise and ca n't believe I 'm being disqualified on my new home over an item I thought I had cleared up. Please help me resolve this and get it off my report so me and my family can move into 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 2018-06-22
Company: Risecredit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried logging into the account to updated the information and to see what the balance was to see if it is matching up to what is being reported on my credit report. But I received this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX  Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 I noticed that a large check from a holder of some other Chase account had been incorrectly posted to my checking account, causing my account to overdraw. I notified Chase that day that 1 ) there was a misposting, and 2 ) that there was a resulting overdraft fee, and that both needed to be corrected. The misposting was corrected promptly, with a deposit back into my account. The overdraft fee, however, remained until I reached out again many days later. 

When the insufficient fee refund was posted on XX/XX/XXXX, I was informed by Chase that I was being provided a " courtesy refund ''. I sent a secure correspondence to Chase clarifying that this was not a " courtesy refund '' but a correction of bank error. My interest was not semantic : I was not concerned what it was called or how it appeared on my online account read-out ; I wanted assurance that my bank record ( and by extension, my credit report ) did not reflect that I personally had overdrawn my account. 

Today, XX/XX/XXXX, I received a call from Chase informing me that despite the fact that there were TWO bank errors ( the initial misposting of the check, and the subsequent internal " mis-coding '' of the refund as a " courtesy '' ) the " system did not allow us '' to indicate in the bank records that I did not overdraw my account. When I asked what remedy existed for me, I was informed that unfortunately there was not one, but that I could " wait 12 months '' for the blight to clear from my record. 

All I seek is a statement from Chase that my official banking record does not indicate that I overdrew my account. It strains credulity that that their system " can not '' correct such errors. Rather, they just seem unwilling to be inconvenienced to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.

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 2018-06-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase closed my XXXX business visa credit card without any reason I had the card over 2 years and paided them ontime never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
History : My mortgage was sold by XXXX XXXX to Ditech Financial in XX/XX/2018. 

Once my account got transferred over to Ditech, I wanted to prepay about 25-30 % of my remaining mortgage for the purpose of saving some interest and re-allocating some of my portfolio to the tune of {$120000.00}. 

I made a few test payments, through Ditech 's bill pay ( {$10000.00} ) as well my Credit Unions bill pay ( {$1000.00} ). It went fine. 

Then I made a bill pay transaction for {$100000.00}, through my Credit Union 's  setup. They mailed a cheque and Ditech cashed it on XX/XX/2018. I had added a memo, " Please apply to Principal '' ). 

To my surprise, only {$9000.00} of the {$100000.00} was applied to my Principal, with the remaining {$100000.00} unaccounted for. 

Multiple calls to Ditech resulted in vague denials/reasons, it probably will happen in a few days to nothing happening so far. 

I'm concerned that this company is committing some kind of fraud with my money. 

Please take action against these guys.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX ( Equifax : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX Equifax : XXXX XXXX : XXXX ).

Company response to consumer: Closed with non-monetary relief