BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
automatic payment was set up with 5/3rd Bank , however, payments were not withdrawn. i also requested payment book, and have not received. Bank reported that payments have not been received, and reported to credit bureaus. i do not have a history of non-payment on this vehicle or any other account, but now i do due to 5/3rd not processing my automatic pay correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have reached out to Experian regarding inaccuracies in my credit file and still nothing has been done. XXXX XXXX XXXX XXXX is listing an account incorrectly. Account number XXXX. While the statute of limitations for this debt have expired in my state, the information is not accurate and there are discrepancies. An entire year of payment history is missing from XXXX of which the account was opened. The first delinquent payment was not until XXXX, as such, 7 years from the date of first delinquency would mean this account should be removed from my credit file in XXXX of XXXX and they are continuing the account listing it until XXXX of XXXX. I have expressed to Experian that due to the on time payments missing and an entire year of data missing from my file this is a defamation of character and a major inaccurate reporting of my credit. This huge error and discrepancy along with this taking longer than the 30 days should result in deletion of this credit line in my credit file. I have constantly checked the experian site and it just has nothing but issues.

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 2019-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX while I was out of town in GA someone created a XXXX XXXX online account in my name and withdrew {$490.00} from my checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and XXXX XXXX multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call XXXX XXXX or text XXXX XXXX during that time. I am not sure if this has been happening to anyone else, but something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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:
I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I got a loan from speedy cash of XXXX tx in XXXX 
I paid it off in two payments within 35 days. I never heard from them. All was well, so I thought. Months later I received a notice on my credit report that speedy cash has sold my debt to a collection agency and it is now showing up on my credit report. Speedy cash can not attempt to collect a debt that has been sold. This is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for an XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached image for confirmation of the application date ). The terms were that I would receive XXXX miles after {$1000.00} spending in three months and {$50.00} statement credit for a XXXX purchase ( also attached offer ). I have confirmed chat with an AMEX rep on XX/XX/XXXX that I met the terms of the condition and would receive the bonus miles in 6-8 weeks ( attached chat log ). 

I never received the miles nor the bonus points. I tried contacting an AMEX supervisor in XX/XX/XXXX who said she would submit a request for me because there was a system issue due to my application being approved in XX/XX/XXXX after going through reconsideration. However, I met the terms of the bonus, applied before the expiration date of the promotion, so I do not think this should be an issue. I tried following up again ( XX/XX/XXXX) and even ( XX/XX/XXXX ) and was told it hasn't been reviewed. 

This is getting ridiculous. I met all the terms so I do not understand what the holdout is for issuing the points and the statement credit. I have proof that a rep stated that I met the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an affidavit requesting documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on Debts without validating or even owning the debt. Placing this debt on my credit report. 

I found the CFPB filing against this same Collection company in XX/XX/2015 File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC are not validating dispute or sending any documents to show they own the debt or Validation of debt. 

Midland Credit Management is sending out generic letters informing there are changes to their credit reporting debts. In addition, this debt we will not be removed from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that proves they are the owner of the debt or even validate the debt. 

I sent MCM an affidavit to establish the ownership and validate the debt. They sent back this generic letter they are sending out to multiple people and I have proof. I have a friend that received the same letter. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are the owner of this debt and verify this is my Debt. 

Thank you please make them abide by the provision from the case XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has for last 7+ years been restarting the claim saying i owe them money when they broke contract by screwing up my phone i had has a back up and putting it on the account of who i bought the newer phone from and would not correct it, kept raising the bill every month and wouldn't correct it, repeatedly called and harassed me and threatened to take me to court and sue for past due amount. original account is over 7 years old so how does it keep renewing and showing up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to cancel my Albert account and was tricked into signing up for an {$88.00} " XXXX  '' subscription. I reached out to the company as instructed through its help function and have received no assistance despite calling, texting and emailing them. I do not want to pay for a subscription, want the {$20.00} I had transferred into the account returned to me and want the account closed immediately. This company is completely deceptive and perpetrating fraud on consumers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: WI
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 submitted what i felt was ample support to dispute XXXX / XXXX XXXX {$560.00} XX/XX/2020 I do not know it unauthorized I also contacted XXXX   XXXX XXXX XXXX as fraud error I do not recall these charges fraud unauthorized I now have IdentityTheft.gov assoting and submit follow up to Credit reporting services Experian and 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 2017-11-28
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
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:
I XXXX XXXX am deeply upset that these credit reporting agencies are reporting inaccurate, unverified inquires and accounts to my credit report. Under 15 USC 1681i, unverified accounts must be promptly deleted. I sent these credit reporting agencies a sworn statement on XX/XX/2021 telling them that the items listed were fraudulent, and they were supposed to remove the accounts 4 days after receiving my statement. it is now XX/XX/2021 and the accounts are still reporting to my credit report. this is illegal and I want the CFPB to take action. Please make them remove these fraudulent accounts. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: FastBucks
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a payday loan in the amount of {$500.00} from Fastbucks XXXX, UT and paid back {$650.00} of it. They said No that I owe them more much more. I offered to settle at {$300.00} more but they declined it and I was served for court at the end of XX/XX/XXXX they are suing me. I have tried to work things with out with them but they are flat out denying me on settling for {$300.00} when I only borrowed {$500.00}. Please tell me they ca n't do this. These pay day loans are criminal. You have to get more and more to get out of the ones you already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a victim of identity theft and have had several fraudulent credit card accounts opened in my name with companies : XXXX XXXX-OPENED-XX/XX/XXXX-BALANCE- {$9500.00}, XXXX XXXX-OPENED- XX/XX/XXXX-BALANCE- {$17000.00}, XXXX XXXX XXXX- OPENED- XX/XX/XXXX-BALANCE- {$8000.00}. There are also 2 fraudulent credit inquiries resulting from the crime as states : XXXXXXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the accounts where not authorized to be open by me, and Ive been a victim of identity theft for over a year. The XXXX police department deemed these fraudulent accounts as fraudulent credit card accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up these fraudulent accounts in the consumers name used the consumers personal information to have the fraudulent accounts opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with these creditors. Im not going to be liable nor responsible for fraudulent credit card accounts being opened in my name as if, Im the one that applied for these fraudulent accounte. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information on my credit report is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: HW Holding, Inc
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is repeatedly calling my elderly parents, inlaws and threatening legal action against me, sharing information with third parties, the language they use is abusive, threatening and they will not stop calling. They also call my work phone many times per day. They do not leave messages nor have I received any sort of debt validation. What they are doing is illegal. The most recent call was today to my work phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: LEXISNEXIS
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:
In 2017, I and XXXX made a conference call to Lexus Nexus to have information corrected on my report. XXXX XXXX XXXX filed a claim on my insurance intentionally and knowingly that I was not the own or had knowledge of the vehicle related to a hit and run. A name was given to XXXX as a relative being me and XXXX insurance agent decide to find my insurance policy and file it with my insurance. A fraud report was report to XXXX Police Department on the agent for file the fraud report and I contacted XXXX XXXX -Manager which, stated the false information was taken off my record and confirmed remove by XXXX XXXX However, XXXX  insurance failed to remove the information from Lexus Nexus which, is causing my rates to be tripled on comparison with other insurance companies. Lexus nexus never removed it from my record

Company response to consumer: Closed with explanation