BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express sent me an invitation to apply for a XXXX charge card that included an inducement of XXXX Membership Rewards points if I applied by a certain date last XXXX. When I called in ( timely ) to apply, the representative opened the offer on his screen but at some point his system froze. He had to transfer me to another agent who regretfully informed me that after the offer is " opened '' on a system, it can not be opened on another system. AMEX then tried to pull a bait-and-switch on me in order to get me to apply for the same card with the same fee but this time with only XXXX Membership Rewards points. Despite calling several times to rectify the problem and having solid documentation, AMEX has been unable to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: LA
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:
XXXX not updating scores and i paid to see all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered a product online and never received it. I contacted my credit card company they canceled the order then refunded my money. At that point I received an email from the vendor apologizing for not giving me the product then they said they gave me a full refund. ( in XX/XX/XXXX ) My credit card company then recharged in me in XX/XX/XXXX saying I received the product even though I sent them documentation saying that I have n't received it. The vendor says they refunded my money in XX/XX/XXXX the credit card company says they did n't I have been fighting this since XX/XX/XXXX. The vendor is XXXX the credit card company is Barclaycard. Neither company is helping me and both blame the other while they have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: CA
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 HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, EQUIFAX AND XXXX TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in the custody XXXX and at the time of my arrest I was injured. I was first taken to jail, and then transported to the emergency room for treatment. 

Upon my release, I was billed for a total sum of around {$5500.00} I communicated with the hospital 's billing and let them know that I was in custody and XXXX was my legal custodian, and thus legally responsible for the bill. 

The bill was broken into partsXXXX. A {$310.00} collection was sent to the credit bureau. 

I have communicated this to all XXXX credit bureau, and well as the collection agency that is reporting to the bureaus. This debt has been written off in bankruptcy, but is a derogatory remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Equidata, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent a bill to a collection agency when the bill was paid in full and refused o provide copies of the supporting document sent to credit collection agency which ended up on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: ALLY FINANCIAL INC.
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING LLC XXXX XXXX XXXX WAS CONTACTED XX/XX/2020 BY EMAIL IN REGARDS TO A FRAUDULENT ACCOUNT THAT POPPED UP RECENTLY ON MY CREDIT FILES. I SPOKE TO THEIR REPRESENTATIVE NAMED XXXX XXXX AND STATED THIS ACCOUNT DOES NOT BELONG TO ME. XXXX STATED THEY COULD NOT LOCATE THE ACCOUNT SO PLEASE PROVIDE MORE INFORMATION. I SUBMITTED THE INFORMATION REQUESTED AND SCREENSHOTS OF THE ACCOUNT ON MY CREDIT FILES BY EMAIL. I SUBMITTED MY FTC REPORT TO LVNV FUNDING / XXXX XXXX XX/XX/2020 IN REGARDS TO THIS FRAUDULENT ACCOUNT BUT NO CALL OR EMAIL. I AM REQUESTING THIS TO BE REMOVED FROM MY CREDIT FILES AS IT IS AFFECTING ME AND MY FAMILIES LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hello, I have two accounts with Bank of America that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the ~5k balance {$100.00} a month for the acount with the ~16k balance. 

Bank of America has not recorded these payments on the credit reports. 

Also, Bank of America has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you 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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously submitted a dispute with regard to an inaccurate item on my credit report. The unverified item listed below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? This account does not belong to me. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or removed immediately : XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

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 2021-01-09
Company: EQUIFAX, INC.
State: OH
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 previously submitted a dispute with regard to an inaccurate item on my credit report. The unverified item listed below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? This account does not belong to me. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or removed immediately : XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexisnexis has incorrect information on my report. Misspelled names and addresses that are not mine. These misspelled names are linked to every address that is not my address. On record 5, lexisnexis reported a birthdate that is not mine. Lexisnexis reported that I graduated from a college in XXXX, at the age of XXXX which is incorrect. Because I graduated from high school in XXXX, at the age of XXXX. There are insurance policies that are not mine. I never owned a XXXX XXXX XXXX. I never owned a XXXX XXXX XXXX. I believe lexisnexis reported a lot of my fathers information on my report. Being that i am a JR. i want every incorrect name off my report. I want every single address that is NOT MINE removed off my report. I live at one address, and that is the address i want reported. I want those insurance policies that are NOT MINE removed off my report. Every phone number listed on my report has never been my phone number. I want those deleted immediately. I want that bankruptcy removed immediately. That is not my public record. That is not my address that is associated with that public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company named Tek Collect Inc, has a put a collection account on my credit report that is not supposed to be there. 

The original creditor was paid in full. The original creditor informed me that Tek Collect Inc, was not supposed to list this account on my credit reports. The original creditor also informed me, that they told Tek Collect Inc to remove this erroneous account off my credit reports. But Tek Collect Inc will not and the account is still showing on my credit reports. 

Tek Collect Inc, has knowingly violated the FCRA, but placing erroneous and fraudulent information on my credit reports. Please make them remove this account. 

Account Name : Tek Collect Inc Account Number : XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XX/XX/2016, I applied for a refinance with Amerisave Mortgage. I submitted all requested document in a timely manner but every time I fulfilled the request, Amerisave would request more documents. On several occasions I requested the underwriter or processor at Amerisave call me with any concerns but they did not. Moving forward, on XX/XX/XXXX, we still had not closed on my refinance so I tried another lender. Since I already had a FHA Appraisal, the new lender informed me to requested Amerisave to send them an Appraisal Release Letter. Amerisave has not drafted the letter stating the middle man XXXX or the Appraisal company would have to draft the letter. Both of those parties state, they are unable to process that request because Amerisave requested the appraisal. Based on what I have learned in the process ( from mortgage companies, XXXX, and the appraisal company ), the Appraisal Release Letter is a standard industry practice. I am asking for your help with this process. Thanks in advance for all your help. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ). 
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). 

My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is? 
I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this? 

If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. 

Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? 

Until further notice please do not contact me via mail or phone. 

I thank you kindly for your time and patience in regards to receiving and reading this letter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We bought a XXXX XXXX XXXX XXXX on XXXX, from the time we bought the boat we had issues. The Engine blew the 3rd month after we bought it, the first time the boat got wet the seats/upholstery bled through red from the tags that was sewn in under all the seats. XXXX disagreed to fix any of it that it was not covered under the warranty. Which in the warranty paperwork it stated it did. This was a {$34000.00} Boat! This was all factory defects. We tried to give the boat back since it was a lemon or have them fix the issues and they would not. We then got the bank involved and we then negotiated a payoff for less than the amount owed. This account was originally with GE Money Bank/XXXX and now they have changed their name to Synchrony Bank. The settlement was for {$8000.00} since that is what the boat appraised for with all the issues and XXXX/GE Money Bank/Synchrony Bank agreed to accept this amount to settle the account. The XXXX Boat Dealer XXXX XXXX in XXXX XXXX, California bought the boat. XXXX XXXX is the Sales Manager that helped us with the settlement and purchased the boat. We conducted several conference calls between Synchrony Bank, us, and XXXX to get this account paid and settled. Our Credit Report was updated appropriately to reflect the account settled and a XXXX balance. Now as of XX/XX/XXXX the account is showing as a charge off again reflecting a balance of {$18000.00} as if the settlement never happened. I called in to Synchrony Bank on XXXX to inquire about the account they told me they could see the settlement and this is a reporting mistake due to the changes with the Bank. That they would correct the issue and delete the trade line off our credit reports. One since the account is so old and two all the issues we have had. I was told to fax a letter to XXXX addressing the conversation we had and do a letter explaining the situation. I did on XXXX. I was also instructed that if I did not hear from them to call in 7 days. I did not hear from them so I called today XXXX and spoke to a Manager by the name of XXXX that told me he would not help me that if I wanted to dispute this I would have to refax all the information to XXXX XXXX in Charge offs to see if they would agree to update any of the information. He did confirm during our conversation all of the information I have provided regarding the settlement and that they did receive my fax with the explanation. We are tired of trying to get this updated when we did our part to settle the account paid what the boat was worth. We feel this is an issue with the bank not reporting the account properly. We paid the {$8000.00} they agreed to accept as payment in full now our credit report is not showing this closed and settled but as a charge off again for the full balance. It needs to be deleted completely off our credit reports or shown as paid in full. How it is showing now is inaccurate.

Company response to consumer: Closed with explanation