BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  AMERICOLLECT  XXXX   XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by i dentity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted fr om identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious AMERICOLLECT  XXXX   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act L itigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of Cal iforn ia Stop collec tion proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX   XXXX  SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: AMERICAN EXPRESS COMPANY
State: AK
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:
American Express is incorrectly categorizing spend at a grocery store ( XXXX ) to fuel. Before XX/XX/2019, XXXX purchases coded correctly and earned 6 % cash back when reported as XXXX XXXX. Since XX/XX/2019, purchases have coded as XXXX XXXX which earns less. XXXX XXXX is primarily a supermarket and as such should be coding and earning as such. While some locations feature an external gas station, Amex should be able to recognize this and differentiate between purchases. Neither Visa, MC, or XXXX XXXX have changed their categorization or coding of XXXX XXXX. This is an Amex issue and they should rectify it. Amex states the business selects its primary merchant code and claims it has no power to adjust purchases on an individual basis or permanently. In contrast, I have had other purchases code incorrectly in the past on a Visa where the card issuer immediately issued the correct point earning upon my request. I see this as an Amex issue, not a XXXX XXXX issue and as such they should rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 2021-11-13
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 reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.

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 2019-12-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CommonBond, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I have been shopping around to refinance my Student Loans. I found an advertised rate for the company " Common Bond '' of 1.85 % on a variable rate 5 year loan. You can see this same rate if you navigate to their main company page now. I applied for this loan, but was only approved for their fixed 5 year loan at their lowest offered rate of 3.21 %. I have absolutely perfect financials, XXXX credit score and superb debt/income ratio. When I asked them what they would offer for a variable rate loan, they only replied they would do a variable rate at 3.21 %. I thought that was odd, since most variable rate loans are lower than their fixed rate counterparts. I asked them to look again, and they said, yes this is the best rate they could offer me.

It seems to me that the advertising on the offered rates is very misleading by this company. Every other company I have applied to refinance through has offered me their lowest rate for either fixed of variable rate loans. Now this company has a great deal of my personal financial information as a result of my application, plus made a hard pull on my credit, so the result of their false advertising I do not feel is harmless.

Thank you for your time in considering this harmful practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance to the fair reporting credit act TRANSUNION, XXXX, and XXXX has violated my right. 

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

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give TRANSUNION, XXXX and XXXX no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Avant Holding Company, Inc.
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
Folks : I have tried to rectify, with Avant, a balance they are saying I owe that were some fraud charges on my card. These were reported to Avant. They said they would remove these charges from my card, many months ago. 

Today, via XXXX XXXX, I became aware they were charging off an amount of {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Senex Services is re porting a false medical debt on my name on behalf of  XXXX   XXXX  hospital. I have disputed this debt with  Senex Services nu merous of times and a bill was sent to me without any details as to what services were rendered nor was any contractual agreement with my signature on it was ever sent to me. I contacted  XXXX   XXXX  and was told to speak with someone from Senex Services after explaining to them that I had already disputed this with Senex but was told that there was n't anything they can do.  <P/> I want to make it clear that THIS IS NOT MY DEBT. I did not attend  XXXX   XXXX  hospital for treatment for any reason whatsoever. Furthermore, this false debt is affecting  my credit score and  is making me appear more risky to creditors and lenders. I have a stellar payment history with credit cards and installment loans on my report. this is the ONLY negative information on my credit report and quite frankly, it has and still is ruining my quality of life.  <P/> At this point, I am respectfully requesting t hat Senex Services rem ove this false debt from my credit report effective immediately. Please be advised that this is my third and last request for removal. I have tried to resolve this matter amicably but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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:
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX 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 2019-12-08
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to some unforeseen circumstances we have fallen behind on our mortgage and when we have contacted Mr. Cooper to set up some kind of payment arrangement and ask for a forbearance or a deferred payment they refuse. They told us that we have to have two payments and now it's three payments before we can save our house. They also told us we were not able to even make one payment because they refuse to accept it. They want a big lump sum and unfortunately that's impossible but yet they won't let us make our monthly payments now that we're on track. If we were able to make our monthly payments we would be able to get on track and keep the payment made every month. but they refused to let us do that so now we have fallen even further behind, and they said that they are foreclosing on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The server error that Transunion had that deleted inquiries and public records from my credit report and later reinserted then without written notification after, they failed to follow th e Legal pr ocedure to do so. I called Transunion and the customer service representative would not help me and take care of the negative inquiries and public records reporting on my credit report.     The following public record and inquiries needs to be deleted!       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-06
Company: COAST PROFESSIONAL INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The school obligated me into a contract when I was a minor. I want the debt removed from my credit bureau and forgivin since a minor can not be put into a legal binding contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.

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 2019-12-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
JPMorgan Chase is treating peer to peer transaction payments differently depending on the credit card product. I made about 6 peer to peer payments via XXXX utilizing Chase Credit Card A ( Freedom Flex : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) over the course of XXXX XXXX. I made 4-5 similar peer to peer payments via XXXX utilizing Chase Credit Card B ( Freedom ). Card A was charged a minimum transaction fee of {$10.00} for each charge plus a 25 % cash advance fee at the close of my card for the total transactions ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). No such charges were implemented for Card B. Chase refunded 3 transactions XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX ) as a " courtesy '' but is refusing to refund any of the others. I asked why the same transactions from the same merchant made to the same peer are being treated differently across their credit products ( Cards A vs. B ), but they said both are cash advances and I'm required to make these fee payments under Card A 's terms and conditions ( no mention of Card B ). However, they claimed on my calls that Chase supposedly treats peer to peer payments for XXXX similarly, but I have no such charges for any XXXX transactions during the same period on Card A or Card B. I did reach out to XXXX who confirmed their merchant coding is the same no matter the card being used for any peer to peer transaction and it is Chase that is processing the payments differently depending what card is being used. The Chase supervisor, XXXX, denied that was the case and once again blamed XXXX. I also called to their attention an XX/XX/XXXX article from the XXXX XXXX https : XXXX? XXXX & XXXX XXXX where a Chase spokesperson confirmed they do not charge peer to peer cash advance fees. They did not acknowledge the spokespersons claim and referred back to the terms and conditions. I understand that the terms and conditions for peer to peer payments require me to pay these fees, but Chase is claiming those terms and conditions are the same across all their products when that is obviously not the case. I've attached copies of my statements to demonstrate the difference in treatment between the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received an email from XXXX XXXX a service of XXXX XXXX. It said there was an alert on my credit report for Experian. It said to sign in to my account. I first looked at the email and it looked legit. On the credit report there was a report from this company ( XXXX ) XXXX Us Sm Bus Admin Oda XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I called the number on a sat morning ( which is outside their hours per their website ) A woman answered saying SBA. I told her what had happened and she said " this is a fraud attempt ''. Then she asked if I could give her my social security number. I said " no I can't. She said " well I will put you through to the fraud department ''. The man who answered immediately wanted my social security number too. I told him " no ''. He said " I can not help you then. '' I replied " so be it. I think you are attempting fraud. '' And he hung up.

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