BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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:
Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under 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 2023-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have filled out a 1099A form with American Express. It was accepted by the IRS ON XX/XX/2023 and was postmark on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Credit Card Receivables Fund Incorporated
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 unifund llc garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX Kansas

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a follow up response to CFPB complaint XXXX ( response from XXXX & XXXX ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). Midland Funding is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the Midland Funding or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: ENCORE CAPITAL GROUP INC.
State: MT
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:
Hello, Midland Credit Management bought my debt from XXXX. I have no contract with them, they can not prove that I owe this debt, after numerous letters asking for proof. They continue to harass and fraudulently claim that I, the Living Woman and Consumer owe them money. I have found many Federal Law violations, 1692 J ( a ) Furnishing certain deceptive forms, unlawful to send and state a false that there is a collection, 15 USC section 6892, 15 USC Code section 1692g V, 15 USC 1692a, 15 USC 1692j ( a ), 1692b ( s ), 1692d ( 2 ) are just a few of the violations I have found. I have also realized that I, the Consumer/Living woman living in the private should not pay for any Goods or Services for household use. All Debts are paid in advance for consumers Title 18 U.S.C. - 8.

I am a Consumer/Living Woman living in the private and I demand to be treated as that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: KY
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:
Canceled an account with XXXX XXXX XXXX and they reporting incorrectly that they still want money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MN
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This company charges exorbitant fees, so I make it a point to pay it off every month to avoid fees. This month they would not let me pay it off in my usual two payments. I made the first payment and when I went to make the second payment the system wouldn't allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They tried blaming my bank and credit union, which I proved was invalid, yet they stuck to their canned responses. This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. 

To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an alert from XXXX XXXX that I have a 30 day missed payment from XXXX XXXX. I am unaware of any business dealings with this company and wished to dispute this information on my credit report. I tried to initiate a dispute online and was unable to access my report to due this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed it, now Im waiting on the results. But after further investigation, I was told that theyre not supposed to list a debt owed over and over again. I dont know what the debt is but the same one is on my credit report 19 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: SYNCHRONY FINANCIAL
State: TX
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:
A newspaper is continuing to charge me for a subscription that I have cancelled. I have filed a dispute with the company but I am continuing to be charged. the person I spoke to this morning said there is nothing I can do if they want to keep charging 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 monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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 am certifying and contesting that this letter has been sent with my free Will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Cancelled membership in XXXX 2019 and notified company by phone call and mail to STOP taking money out of my bank account after XXXX 2019. I'm owed a refund for any months taken without my consent after XXXX 2019 2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-12-13
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and  ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting 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:
The 1st time I noticed was my credit card online showed where someone had done a credit check to see how my credit was.i think that's what it said I've had XXXX XXXX XXXX and have XXXX XXXX.im trying to rebuild my credit and that's why I noticed it cuz it affected my credit score. But I just blew it off. Then I had an alert on my credit card online or they said that someone had accessed one of my email accounts and my information was on the black web or something like that whatever it's called. So I went in and did what it told me to do and changed my password. That was first of XXXX of this year. I just went back and look and here 's what I guess I'm trying to say XXXX credit and credit wise are showing that someone tried to get a credit card with XXXX  XXXX on XX/XX/XXXX of this year I got my credit card with XXXX  XXXX in XXXX but I have never made the end for it and I believe they were checking their credit as well or would be my credit. Then again XX/XX/XXXX someone tried it again with XXXX XXXX and XXXX and credit live are showing it again either checking their credit or my credit trying to get credit or trying to open up a XXXX XXXX bank account or credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
My XXXX XXXX credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this Quicksilver Mastercard credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified XXXX XXXX in writing the full description of this account, and requested them to contact XXXX XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my XXXX XXXX credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call XXXX XXXX and tell XXXX XXXX to start reporting this account on my credit report. Neither XXXX XXXX, nor XXXX XXXX XXXX  XXXX, have done anything to rectify this omission on my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, Truist closed my accounts due to a " review of fraud '' and said that the accounts were closed and no further action would be needed and that a cashier 's check would be sent. That was in a formal notice dated XX/XX/2022. Fast forward XXXX  months, I am still getting statements in the mail with my account balance dwindling from account fees. I've tried calling customer support to no service. Customer service transfers me to a non-existent number, and when I ask for a manager or supervisor, I get " oh they are not available right now. '' Truist has not made the effort that they said they would in writing.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries 1XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$430.00} 2XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$73.00} Inquiries 1XXXX XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXXXXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXXXX/XX/XXXX 6.XXXX XXXX XXXXXX/XX/XXXX 7XXXXXXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXXXX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXX/XX/XXXX 11.XXXX XXXXXXXX XX/XX/XXXX 12.XXXX XXXX XXXXXX/XX/XXXX 13 XXXX XXXX XXXX 14XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX  13.XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXXXX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16XXXXXXXX XXXX XXXXXX/XX/XXXX 17.XXXX XXXX  XX/XX/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 2021-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
according to 15usc 1681 under the exclusion section 2a1 the fair credit act states the company must show proof of ownership to debt i asked for original paper work to accorded debt in XX/XX/2021. i have not received any reply nor have they took off this debt that i do not own.

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