BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My tax refund of {$3200.00} was sent to my bluebird ( American express ) account on the XX/XX/XXXX. OnXX/XX/XXXX I went online to check my account as it had been a while since I had looked at it. Upon viewing my account I saw that I had a balance of XXXX. Someone had fraudulently accessed my account and drained it to nothing. I looked in my wallet and my card was missing. I 'm unsure when or where it was stolen from me. The charhes occurred a couple weeks before I called in to file the unauthorized charges. I dis n't realize that it was even missing. It is quite previlant that it was misconduct being the money had been sithing in there for months and all of a sudden all of the money is gone in 2 days time. So o theXX/XX/XXXX I filed the dispute for {$3200.00} in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the cusomer. TheXX/XX/XXXX was the 10th day. I called in and they said they have not heard back from the fraud department and they could only send an email as they do n't have telephones. I said to them It is a government mandated law that I recieve prprovisional credit as the 10 days is up. They said the ca n't do anything but send an email and the would receive a response within 24-48 hours. I had no choice but to say ok and comply. 2 days later still no update so in call back. They tell me they have still heard no word from the fraud department. I ask for a supervisor, I wait 1 hour and they finally come on the.line. I ask them it 's been 48 hours and I 've been very patient. How is this ok that American express does not follow the law that is set fourth. She does n't say a word. Just keeps repeating about sending another email. Which I reply we tried the email already it did n't work. I repeat again, how is this ok that you guys do not follow the law. I should have been issued provisional credit 3 days ago. They tell me yes you did get the.form turned in in time before the 10 day period and you should have got the provisional credit. So I 'm just so baffled at this point. I try to ask her what the next step wpuld be and she hangs up on me. I call back and ask for a supervisor again and they tell me. All supervisors are busy assisting customers we can have them call you back. What is a good callback number. I give them my number. I never get a call back. The next day XX/XX/XXXX. Which is toda in call yet again, I get the same exact responses, all we can do is email the fraud department again. I 'm so frustrated at this point I do n't know what to do. How can they get away with breaking U.S LAW like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: VA
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:
In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a phone bill sent to Receivables Performance Management for collections in the amount of {$370.00}. I called to pay my bill and they settled for {$200.00} dollars. They told me i could make two monthly payments of {$80.00} dollars and on of {$48.00} in 3 consecutive months on my first call to them. I paid the two payments of {$80.00} dollars each month and went to settle the remainder. They then told me the settlement never happend and i would have to pay the rest of the full amount and the two payments i made were just good faith payments. I said this was untrue and asked the phone call to be pulled from the initial XXXX XXXX call. The company stated this would take 48 hours and they would give me a call back. They never did and when i called back, i keep getting transferred to the " management department. '' The phone just rings or disconnects each time and i have to explain the situation all over again. For 3 days i have been told i will receive a call back later from a supervisor and i have yet to receive a call. I told them i would file a complaint and they hung up on 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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have opened disputes with all three credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. XXXX and TransUnion have not removed this account from my report, XXXX has. I also do not have any contract with the collection agency that is listed on this 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on Trans Union LLC XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXXXXXX XXXX XXXX Account No : XXXX Duplicated once on 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 2022-02-14
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a continuation of complaint XXXX. I have done further research that I would have hoped Mutual of Omaha would have done. At the time of closing fund for the HO policy were collected for 12 months in the amount of {$950.00} clearly marked for XXXX XXXX XXXX XXXX. In XXXX XXXX of XXXX paid my insurance again in the amount of {$1000.00}. That tells me the attorney they had for the closing never followed thru paying my HO policy. I want to be refund the {$950.00} that was part of my closing cost. Since is the attorney the mortgage company sent to the closing they should be the ones to resolve this. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX XXXX  Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated once on 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 2022-02-14
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
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 went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US Bank reached out with a resolution. However, their letter states to speak to the branch manager which I have done several times. He suggested to wait longer and it has now been twXXXX months. Now, he is asking for me to provide invoices for deposited checks so they can be " verified ''. These requested checks have been deposited in the account for over a year and there have been multiple checks prior from the same companies over the span of the account being open. When the account was closed, I was told several times that I would have a check sent within a certain amount of days. During this time, a " verification '' process was never discussed as a condition of releasing my funds. As time went on, the time frames for the check increased. With this sudden request with lack of explanation or reason, I do not feel obligated to give them invoices.

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 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone broke into my car a few years back and i see they used my identity for credit cards and other things

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2018 i wrote a letter to Comenity Capital Bank stating that they are reporting on my credit report a debt that i do not owe. They sent me a letter back stating that the debt was mines and they cant update my records reflecting that i do not owe this company. The are stating that i owe them {$2900.00} which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
Portfolio has claimed that they have been transferred the right to own such alleged debt. The lawful elements of a contract havent been fulfilled. Portfolio never made me an offer that was accepted by me, they have failed to provide me consideration of any form and they have never proven any other financial entities that that are claiming to have initiated the alleged debt instilled a right to assignment in any contract they provided. Therefore, Portfolio has never proven a right to the existence of any such debt as well as the legitimacy to collect on besides some hearsay Bill of Sale, which proves nothing and offered me no consideration with regards to this issue.

This company continues to refuse to furnish the proof of any such debt and now blatantly states that they refuse to provide proof of validation, as the letter I am enclosing in the file insists. They are engaging in fraud. They make statement of facts in how they form their presentments to collect the alleged debts and yet as the CFPBs own 2015 consent order against them ( CFPB-XXXX ) shows on Page 7, as per the statement of their own VP, they know going into this whole process of their extortion scheme that they know the data they possess is likely flawed and they are in violation of FCRA 1681i in the sense that they cant verify information they list dispute their statements to the contrary in their various responses to disputes and demands they prove their claims. They have never proven the accuracy of the amounts they are claiming to be owed. They, as I have already documented in prior complaints, with no explanation given by Portfolio, have never explained what gave them the right to violate 1681i to reinsert data that had been removed without notification to the consumer. They continue to claim they verify and use terms like establish validity yet never demonstrate how they have done so. The court case XXXX XXXX XXXX established that credit reporting IS debt collection activity and Portfolio has already in the past acknowledged that they are going to cease Collection activity yet continue to Furnish this data as collections to the bureaus.

Furthermore I recently received letters from PRA refusing to explain or defend their standing and right to furnish this data on my files any files, which violated the FDCPA for unfair practices, unless I provide new information. In my prior dispute I did provide new information, in particular the results of my UCC search pertaining to any debt attached to my name, and that was utterly  ignored by Portfolio despite being a valid point. I expect these items to be removed by Portfolio and hear no more from this company I have never chosen to do business with or interact with in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: BMW Financial Services NA, LLC
State: NY
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:
Yesterday eveningXX/XX/XXXX, I submitted a pre-qualification application via their " Structure a Deal '' option which states " Skip paperwork! Save time at the dealership by doing the work from home! '' for a XXXX XXXX ( XXXX XXXX # XXXX ). Per the website ( XXXX ) a pre-qualification will not affect credit reporting- instead it would give me a rough estimate of my payment, with no consent to run my credit. Today,XX/XX/XXXX I drove to the dealership with the anticipation of purchasing the vehicle mentioned above. The dealership opened at XXXX EST and I arrived around XXXX EST. While in the dealership waiting for a sales representative, I receive a call from a XXXX at the dealership telling me that the vehicle ( mentioned above ) was sold yesterday, XX/XX/XXXX After receiving a second confirmation ( from XXXX ) that the vehicle was sold, I informed that the pre-qualification application is null and void since the vehicle was no longer available. Both of the gentleman informed me, since the vehicle was sold, it would not be processed and my credit would not be affected. After receiving verbal confirmation and email confirmation that my credit report will not be accessed nor would I get an inquiry, I get an email from my Credit Monitoring company at XXXX EST stating my credit report was accessed. This dealership was well aware that the vehicle was sold and accessed my credit report without my knowledge! I tried contacting the dealership on several occasions after receiving the alert and they continued to disconnect the phone on me. This is bad business and if this does n't get resolved within the next 2 business days, I will be contacting the BBB and filing a legal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C, Section 1681. This inquiry needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: AL
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 disputed this account ( XXXX XXXX ) XXXX times with Equifax! Each time they sent me a letter stating it was Verified with No Proof. The last time I disputed with you ( cfpb ) I still received a notice stating Verified. This is a violation of my rights in so many ways! Equifax must abide by these Laws 15 US Code 1681i ( 7 ), 15 US Code i ( 6 ), and 15 US Code 1681 a ( 3 ) ( a ) ( b ) ( c ) No medical information should be published! And 15 USC 1681 b ( a ). ( 2j permission law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
had Identity Thief And A Fake XXXX XXXX XXXX  XXXX Stolen SSN And Opened Accounts Thats Were Closed. Never Received Letters From Them Since. This Person Opened Accounts And Have To Go To Court. Saying In The Texts From Criminals Movers I Have All Your Information And You Don't Paid Your Bills. And Nows Its in A Dark web SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pay {$97.00} since XX/XX/2020, for the last XXXX months. This debt should be paid off this month. Midland is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my midland account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in XXXX months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pay {$97.00} since XX/XX/2020, for the last 17 months. This debt should be paid off this month. XXXX is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my XXXX account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in 17 months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!

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