BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: Financial Credit Network 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: Information belongs to someone else

Complaint:
I've been going back and forth with these people at the XXXX customer service disputing this fraudulent student loan for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contact the  CBR  on   XXXX     to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

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 2016-05-11
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.

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 2015-06-23
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response. This company has even threatened legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Harvard Collections, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-04-10
Company: Klarna AB
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made 3 payments to Klarna in the month of XXXX totaling XXXX. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account was up to date and according to the app I had paid on time. Now they are trying to say that i owe a XXXX late fee when I was already charged a XXXX late fee in XXXX. 

Now on XX/XX/XXXX I made a payment and apparently I can not be refunded my XXXX because of that. Which makes zero sense. 

Companies that take advantage of people like this should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Bank of America for many years. I received a letter closing my business bank accounts ( 2 ) and 1 credit card. Bank of America has given me 16 days to close out any existing business. This puts an unfair hardship on my business. Currently I have 3 employees which I run payroll through the bank of america portal. I need more time to switch payroll companies. I believe the bank is retaliating against me and my business for previous history and is now causing damage to me and my employees.

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 2020-04-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Experian Information Solutions 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:
I contact the  XXXX  on  XXXX / XXXX /  XXXX   to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

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 2019-12-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX  Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Good morning CFPB Personnel, 01. I believe my account has been compromised. 

02. If going through my past transactions, I 've never spent so much in one place nor do I shop at any place like this. 

03. The support document that was obtained from the Merchant was not my signature. 

04. Does the card match the store account records? 

Anything could have happened when dealing with fraudulent activities. I was told by American Express Associates in the past to let pending transaction go through before advising a dispute. So that is what I went by. Also I 've since asked for a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX   and   XXXX   will not delete this debt off my credit report that was  discharged by bankruptcy. I have written them to tell them the accounts that they reporting have been discharged thro ugh bankruptcy court. Even though it does n't have an amount, they report them with negativity remarks.    XXXX  also keep reporting a collection from a debt collector that I have no contract with. They send me my credit card statement saying they verified it was my debt. I have n't signed a contract with a debt collector/collection. Its states in my credit report that the original debtor sold it to this collections company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Despite these troubling times, American Express closed my account. Yes, I owe them money, but i did give them {$340.00} in XXXX. I just think with stay at home orders and having to close our business due to governor orders it is a crime that their greed would not let them work things out with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am a resident of the state of Texas and sent National Credit Systems a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: UT
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: Problem with personal statement of dispute

Complaint:
it's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible.

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 2022-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-01
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I erroneously issued an electronic payment from my XXXX XXXX account to XXXX  in the amount of {$200.00}, which cleared my bank account on XX/XX/XXXX. The account referenced on the electronic payment was XXXX. The payment number was XXXX. I no longer had an active credit card account with XXXX at the time of payment and no amount was due to them at that time. 

I called the customer service line for XXXX  credit cards several times, and on XX/XX/XXXX, a representative of XXXX XXXX  faxed the payment information to XXXX with the payment disputes department for XXXX  at XXXX. I have attached a copy of a letter I received from XXXX XXXX   detailing this. I am also attaching a copy of the page from my bank statement that shows the {$200.00} payment to XXXX from my XXXX XXXX account. 

On XX/XX/XXXX, I followed up with a letter to XXXX, which is also attached, because I had not received a refund of the payment. I faxed the letter to XXXX and have attached a copy of the fax confirmation. I also mailed the letter to XXXX XXXX XXXX XXXX, MN XXXX. As of today, XX/XX/XXXX, I still have not received a refund of the payment that was not owed to them, nor have I been contacted by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: GA
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 XX/XX/2019 I filed with Experian on line dispute of a fraudulent account on my credit report. The fraudulent account was XXXX. This credit account was opened with my stolen social security number and dob. I received back a dispute results dated XX/XX/2019, report # XXXX stating the information was accurate. I then requested they block said information and on XX/XX/2019 they sent a letter requesting additional identification of myself. I then responded with all documentation which included Copies of the following : SS card, drivers license, their letter requesting said information, copy of request to block unauthorized charges, police report, FTC report, Experian credit report. I then received a letter from XXXX XXXX  dated XX/XX/2019 that they had notified all credit reporting agencies to remove this account from my credit bureau report. That I was not responsible. I also made a copy of the letter and mailed to Experian and attempted to upload the letter per their upload site but there site does not work. The other two credit reporting agencies have deleted the information from my credit report and have provided in writing they have done so. All credit reporting agencies were provided the same information to support this is a fraudulent account, and verified by XXXX XXXX  investigation this was a fraudulent account on my credit report. Experian is the only credit reporting agency refusing to remove this Identity theft from 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Bliksum, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
At XXXX XXXX on XX/XX/2020 a private number called me stating they were from a processing agency and we're trying to serve me Court documentation and that I needed to call an ( XXXX ) number in order to schedule an appointment to be served by an officer. No identification was given as to who they were, what it was about, just that I would be given the details when I called that number. 
I called the number XXXX at XXXX on XX/XX/XXXX, XXXXand I was told that they represented the company called Loan Me. I had taken out a loan with Loan Me, nearly 4 years ago ( it will be four years in XXXX XXXX. The man on the phone did not give his name, did not give the name of the company he was from, merely stating they represented the company loan me. He said this matter concerns the loan that I taken out with Loan Me and I could resolve the issue over the phone today. There was no mention of making appointments for court documentation to be served to my residence. When I informed him that I had no financial means to resolve anything over the phone, he stated that Loan Me was suing me for theft. He asked me if I wanted to go to jail for theft. I responded there's nothing I can do, I guess they'll just have to do what they're going to do, because I have no money. He then reiterated that I resolve the issue over the phone, today, because I will be put in jail for theft. When I stated again, with an irritated voice, that I have no way of resolving this issue he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Alpine Credit, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical bill was part of a car accident lawsuit and my attorney paid the debt around XX/XX/XXXX. The company XXXX XXXX XXXX do not exist anymore and a collection company name Alpine Credit , Inc is trying to still collect on a debt that was paid directed to the company by my XXXX  XXXX XXXX. Alpine Credit is also charging interest on a medical bill thats reporting on my credit report. I have tried to contact the orginial creditor to get verification that the payment was received back in XX/XX/XXXX, but I keep receiving different numbers or the company no longer exist. I contact Alpine credit and told them the payment has already been paid and I was told it has not. This debt is affecting my credit rating cause Alpine Credit is reporting and adding interest increasing the amount of the alledge amount every month. Company has done nothing to resolve the matter. I have disputed said charges to the orginial company prior to them closing and selling or giving their accounts away. I had medical insurance also at the time of the accident on XX/XX/XXXX and I don't know why I'm still dealing with this item on my credit report 4 years later. This debt has been paid and needs to be removed because it was from a car accident that lead to a lawsuit.

Company response to consumer: Closed with explanation