BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2018 i received a credit alert stating my credit score had drop 72 points now bringing my struggling trans union score down evan lower, when i check to see why it had  drastically drop it was because they stated a credit card i had and paid off over 20 years ago was no longer being used or active this account was closed again over 20 years ago and paid off, transunion and these credit reporting agencies will drop your score for things that make absolutely no sense to keep u in a higher interest rate and tell you u need more credit from high interest credit cards that are as bad as pay day loans, i sent them an email the XX/XX/2018 they told me it drop because i had no active credit never mind i just paid off a car loan of over 3000.00 my credit card with XXXX  XXXX  is allways on time and paid off as were the car loan paid off and the one still existing people of lower finacial and of color fight an uphill battle with the practices credit reporting. Agencies are allowed to get away with they pettle more high interest loan dept for greedy corporate America to further keep you in dept and never able to achieve your goals or dreams, on every low income credit reporting agencies reporting tools is high interest loan dept sold to poor and disenfranchise, this was to lower my already struggling credit to keep me in a higher intrest rate, it is a low and shameful practice that XXXX XXXX and these other credit report agencies do

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 2022-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
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:
HSBC Bank conspires to oppress my rights as a consumer with their associates XXXX in their criminal enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by XXXX the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I saw the promotion for AmEx Cash Magnet credit card, which allows up to {$300.00} back, that I will earn XXXX for spending XXXX for the first 6 months, and 10 % back up to XXXX for purchase in the U.S. supermarkets. And the protional 0 APR for the first 15 months. 

So I applied for this card around XX/XX/XXXX, and spent around {$4000.00} in the first two months. I did not receive any reward. 

I called the customer services, and then they told me my welcome offer is cancelled. They did notify me in any format, or I will not spend XXXX on this card, I could have used other cards. Not to mention they also cancelled my promotional 0 % APR, I did not know that, so I did not pay in full for the first month which means there is a possible interest I need to pay. 

I would Not apply for this card without the special offer, you can not just cancel it without notifying me and just expect me to read the whole disclosure, that is RIDICULOUS! I need an explaination for the offer I lost and the interest I may need to pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two fraudulent balance transfers totalling {$12000.00} were made to my USAA Federal Savings Bank VISA card on XX/XX/XXXX. These were transferred from two different XXXX cards. I do not own a XXXX card. I discovered this fraud on XX/XX/XXXX as I was paying bills. I contacted USAA immediately. The person with whom I spoke was very nice. She took down all the information and assured me it would be taken care of. 

On XX/XX/XXXX a man who said he was with USAA called my husband on his old cell phone. My husband could not hear very well in part because he was in a noisy waiting room at XXXX XXXX XXXX XXXX. I was in XXXX at the time of the call and could not help him. We really do not know what was said during that call. We do know that USAA cancelled that credit card. They then increased our credit limit to $ XXXX.They also sent us two new credit cards which we have not activated. They also billed us for over {$12000.00}. I paid the legitimate charges. 

After I returned home from a second emergency hospitalization in XXXX, AL, where I live, I contacted USAA FSB again about removing the {$12000.00} from our account. This time the man with whom I spoke was extremely rude and hateful and claimed that he had proof that I had called USAA and requested this. I had not called USAA for this purpose. After a couple of days we called again. This time I spoke with a female supervisor who was very polite. I thought she said she would handle this. I told her I would wait until the following Friday for her to fix this. She has not done so but I have been billed again for the {$12000.00}. 

I have since filed a police report here in XXXX AL. They told me to contact the FTC about identity theft. We did that and the sent us to CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During a phone call in early XX/XX/2018, the representative I had a lengthy conversation with, provided unclear information about how to re-enroll in income-driven repayment plans and partial loan forgiveness program. They told me that once I made 16 payments, I could qualify for forbearance and later loan forgiveness. None of it made sense then or now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged twice in the month of XXXX for my auto payment of {$380.00}. 

The first payment I made manually on the XX/XX/XXXX. The second one came out automatically on the XX/XX/XXXX for another {$380.00}. I did not make this payment and I have never set up auto pay, ever. 

In fact after they recently revamped their website I had to re-register. I couldn't have magically set up auto pay during this time when I had to re-register with the site. 

I called to ask for a refund some time in early XXXX. They said they would mail a check and that it would take up to 10 days to arrive. I waited about 14 days before giving them another call. This was on the XX/XX/XXXX and it is reflected in my call logs. 

They promise to overnight a check to me ( which took 3 days ) and asked if I wanted to make the XXXX car payment while I was on the phone. I said yes and the girl confirmed that I made a payment in the amount of {$380.00} + a {$7.00} card fee. 

You will see in one of my statement screenshots that the payment came out the following day ( XX/XX/XXXX ). 

You will also see where I deposited the refund check in the amount of {$380.00} on the XX/XX/XXXX. 

I have never missed a payment since working with American Credit Acceptance and  my statements clearly show that I paid in both the months of XXXX and XXXX and was overcharged in 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 2018-08-29
Company: Wallace Management Company, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Second time I receive call at work from Manager caller ID says anonymous does not show company name only has happened the last two times previously I got call and caller ID said empire and listed phone number have not signed work authorization to receive calls at this job but I don't like getting anonymous calls at work from XXXX  at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was in contact with medi credit inc regarding a bill in collections of XXXX dollars in which i requested to see proper debt validation which would include signatures of the gurantor on the contract i never promised nor signed anything therefore legally and by fcra policy i dont owe anything that there is no contract for per section 609 of the fcra i have conversed with this company and have recordings where its said i technically dont owe

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 2019-06-20
Company: Experian Information Solutions 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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: TX
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:
XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button

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 2019-06-20
Company: F&M Capital LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted by my father today, XX/XX/XXXX and told that a " XXXX XXXX '' from the Bad Check Division was attempting to reach me about bad checks I wrote from my checking account. I called this company ( F & M Capital ) and spoke to this XXXX XXXX who told me I wrote 17 bad checks to XXXX XXXX XXXX in late XXXX XXXX and told me that action was being filed against me. I asked for any sort of proof or documentation, and he said that because of the type of loan it is, and because he wasn't the original office where the debt was held, he could not provide me the information. When I asked again, they said they send one Dunning notice and that's it, because " people use certified letters to dodge their debts ''. He emailed me a settlement offer as well. 
I asked him why he disclosed information to my father, which he initially lied, then admitted to. This is not the first company that has contacted me, there was another company from upstate NY that billed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States ( XXXX ) XXXX They threatened legal action, made vague personal threats and said they would come to my job, so I paid them a small payment to get the harassment to stop. That payment was XXXX, but I made no others due to that company providing no documentation. This company today said they had no records from the previous collector, but knew about that amount paid and has an address that is similar. 

I would like this harassment to stop. They contact my brother and parents and tell them personal info, and it is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, XXXX, and TransUnion ) located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX, PA XXXX - XXXX ( TransUnion ), XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, XXXX, and TransUnion have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2019-05-17
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection notice for a medical debt dated XX/XX/XXXX for the amount of {$1300.00}. I have had previous issues with debts being opened falsely under my name from the years XXXX and I have had a fraud security alert placed on my credit report since last year upon my knowledge of the activity that was taking place. This was before I received a notice from Aargon Agency consequently. After receiving the notice dated XX/XX/XXXX, I replied with a debt validation request dated XX/XX/XXXX requesting the Aargon Agency provide a copy of my signature agreeing to the services. As well, I sent a cease and desist, and requested 30 days to respond to the information provided by the agency and that the debt be withheld from being reported to my credit report during those 30 days. On XX/XX/XXXX, I received the response from the Aargon Agency, dated XX/XX/XXXX. The documents attached were copies of the bill information, as well as personal information such as address, phone number, and social security number, however, the agency did not provide a copy of my signature agreeing to services and billing. This is important seeing as though I have had accounts fraudulently opened under my identity. In my original response to Aargon, I requested a cease and desist from communication for 30 days after their response while investigating the information provided. On XX/XX/XXXX, I received a debt collection call without information of who was calling and who they were calling for. I returned the call to inquire and both representatives refused to identify the agency they were calling from and who it was they were calling for. After making repeated calls, the representative giving me the name of XXXX XXXX, revealed he was calling from Aargon Agency. However, Mr. XXXX would not identify who it was he had called for. On XX/XX/XXXX, the debt was updated and reported back to the credit bureau only 28 days from the response of the Aargon Agency. The Aargon Agency violated my cease and desist while all the while not validating the debt that was placed in my name.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX  XXXX XXXXXXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button

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