BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: SinglePoint GI
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My account was initially opened on XX/XX/2014 and my charges in total of tuition and other fees amounted to $XXXX. This debt is subject to Louisiana Civil Code Tit. XXIV, Art. 3494. Actions subject to a three-year prescription(1) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board;(2) An action for arrearages of rent and annuities;(3) An action on money lent;(4) An action on an open account;  and(5) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.I mailed a notarized letter stating this information to General Revenue Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This complaint is about American Express ' ( AMEX ) Delta credit card. 

Background When buying a ticket on the XXXX XXXX website, the AMEX credit card is promoted promising a {$200.00} statement credit if customers apply for the AMEX card. The way this works is that customers need to apply for a credit card and they receive an instant card number which they can use to buy the XXXX ticket and get the statement credit. 

What happened ( my complaint ) I did not receive an instant card number not the statement credit. 

How Amex is trying to defend itself Amex is saying that " the instant card has limited availability and is not provided to everyone ''. This is something that is not mentioned or deceptively communicated when purchasing the ticket or applying for the new card. I needed to buy the ticket at short notice and I was also not at home. Amex is further contending that if I had waited for my card, I could have availed the credit. This is something not proven by me and point out another unscrupulous marketing tactic on AMEX 's part. 
The other thing that Amex says is that the instant card number is visible only for 180 seconds before customers can make a note of it. This scenario is not applicable to me since I never received the instant card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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 reached out to Equifax on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX regarding inquiries that are on my credit report that have not been addressed nor erased. 

Equifax has continued to give me a computer generated response informing me that inquiries are matters of factual data. Equifax reported HARD inquires against my report and I have stated to Equifax that those were never authorized by me. The companies who listed those inquiries would not communicate with me because of other legal matters, but Equifax has not mad any attempts to correct this inaccuracy. 

Ref : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ( requested removal ) XXXX XXXX XXXX ( Should be recoded as soft inquiry - not hard )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: AZ
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 contacted Experian to dispute several accounts due to identity theft. The first attemptat solving this issues was in XX/XX/2020. I received a letter stating the accounts were verifiedwithout any proof of verification nor my actual signature signing for the authorization ofthese accounts. Since Experian didn't take my concerns seriously I have since received anerroneous amount of inquiries have shown up my report as well. Based on the last letterreceived from Experian a human did not even bother to investigate my complaints. Theletter was very generic and nothing was done to correct the problem. Experian has violatedSection 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of theFair Credit Reporting Act ( FCRA ). I have attached all supporting documents for this claim. 

Accounts in question : XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 NXXXX XXXX Inquiry date : XX/XX/2020 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 2019-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.

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 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
capital one is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: Real Time Group, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Real Time Resolutions ( RTR ) was sending me statements for years, every time with different amount on it. Lately I was trying to finally call and resolve it.

-RTR is presenting themselves as a Mortgage Company ( No mortgage License in NY State ) .After inquiring about their license I received a letter that they are a collection company .FDCPA violation. ( letter attached ) -RTR Collecting a Debt that is 12 years old. Statue of limitation is passed 6 years already .FDCPA violation -RTR cant prove that they owe the debt or that debt were assigned to them.FDCPA violation -RTR doesn't stop mailing statements even after validation, disputing and exchanging about 8 letters .FDCPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: IA
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:
I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.

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 2017-08-10
Company: Bread Financial 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:
I have continued to receive collection notices from Comenity Capital Bank due to an ongoing billing issue that I have tried to resolve with Zales. In XXXX of 2017, I made a purchase with my Zales credit card. Prior to making the purchase, my zales account was setup for automatic payment which was linked to my credit card. So when I made the purchase I was under the assumption my account would be automatically deducted. Two months later I received a call that my account was in collections which should not have been based on my Zales account being setup for AutoPay. The n I was contacted by a person from Comenity who was extremely rude and would not waive any late fees because of the issue. Then I filed a complaint with Zales Corporate office and a BBB complaint multiple times and did not receive any resolution. The supervisor stated he would reach out to Comenity Bank to have them contact me to resolve the issue. I paid the entire balance off and my credit score has dropped when I did everything right to try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to XXXX well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of XXXX reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a XXXX XXXX XXXX complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with XXXX. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Old information reappears or never goes away

Complaint:
Equifax is the only bureau that is still reporting an old item that shouldn't be on my credit anymore. I have sent several disputes to Equifax with no response back. 
They are still reporting a XXXX XXXX XXXX account and it is over 7 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, TX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STATE OF TEXAS/XX/XX/XXXXXXXX Open. 
{$2100.00} XX/XX/ STATE OF TEXASXX/XX/XXXX XXXX Open. 
{$800.00} XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: AZ
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 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 2019-08-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 one person request buy products to my company and send a 2 letters requested charge for $XXXX and $XXXX USD And copy of id , copy credit cards for both sides , receipt of charge signed for card holders after 1 month i receive a dispute from American Express for $XXXX and i sent copy of documents they back funds and put in their page non fraud after some days they debit again the funds and today they want to debt more money $XXXX USD they receive all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/XXXX Wells Fargo violated FDCPA federal rules by making a collection call prior tXXXX XXXX XXXX XXXX  pst. On XX/XX/XXXX Wells Fargo attempted to justify violating federal guidelines by claiming in a letter that it was a COVID customer service call. Their letter states they called prior to XXXX am and that they are allowed to call between XXXX and XXXX. Fine. However calling at approximately XXXX XXXX is both a federal violation and Harassment!!!! There was no statement made that it was a Covid customer service call ... ..NO! Only that it was. Collection call. The call was made prior to XXXX XXXX in CLEAR violation of the FDCPA. I have made three payments to Wells Fargo this month. I am current!!! They need to remove any and ALL late fee charges ... .I have had two previous unresolved complaints against them. 

Im considering filing a small claims against a local branch manager if need be and take the {$1000.00} automatic fine for violating the FDCPA ... ..and apply it back to Wells Fargo late fees, OR Wells Fargo can get their act together and clear them off. 

I want my credit cleared of any derogatory remarks from all three major reporting agencies. I want my account reported as current. I show on their web page NO past due payments due. ONLY their late fees which stemmed from their failure to resolve in the past and now they continue to threaten adding more during the CARES Act.

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 2018-09-24
Company: Pendleton Capital Management
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called numerous times saying they were going to come to my house unannounced and to be ready for them when they get here and serve me papers and notify the authorities and my family and employer. Did some research and they are a scam collection company working off a PO Box at the XXXX store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our lender overcharged escrow through loan modifications XXXX and XXXX plus legal fees and principal reduction on XXXX modification which is resulting in high interest for wrongful charges in our balloon payment. They violated the hamp principal forgiveness program, they did not service us from XX/XX/XXXX until XX/XX/XXXX ( 14 months ) which damaged our credit. They could not provide XXXX form for XXXX. They charged us for processing phone payments, charged excessive fees, Return payments, to charge XXXX in legal fees for the return, they did not credit us surplus for escrow in XXXX they violated false claim act with the hamp program

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XXXX XXXX and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

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