BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I owed a large amount of money to XXXX 's and was unable to pay the full amount ( I believe it was owed over {$8000.00} ). Because of the problems, I signed up with XXXX XXXX XXXX to try and get this credit resolved. I was promised that if I made 29 payments to them, they would be able to negotiate and resolve my debt with XXXX. <P/>I signed up for this service in XXXX, XXXX and faithfully made $ XXXX monthly payments for the 29 months. XXXX XXXX signed me up with Global Client Solutions to handle my money but I think they may be one in the same, I do not know. My last payment was made in XXXX, XXXX. <P/>I heard nothing more from anyone until this past month when out of the blue, I got a check from Global Solutions for {$2600.00} and was told to deposit it and they ( XXXX XXXX ) would arrange for it to be debited to my XXXX account. I became suspicious at that point and did not deposit the money and cancelled the authorization and debit. <P/>I then contacted my local legal services office and they were able to get a copy of my account showing that I made 29 monthly payments of {$150.00} for a total of {$4300.00}. The {$2600.00} check represented a return of my money that I had deposited less their transaction fees and customer fees. I then learned after contacting XXXX that the check for {$2600.00}, if it had been debited and paid to XXXX, was not a payment in full but a partial payment and that none of my debt to XXXX had been negotiated down. <P/>I believe that they just took my money and never did anything they promised. I think they should give me back the fees they took, {$1600.00} ( {$4300.00} - $ XXXX {$1600.00} ), and they should not be allowed to take advantage of other people this way. I am elderly person whose only income is social security. I did not understand that they were taking advantage of me until this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit purchased a fraud account from XXXX XXXX. Date unsure. Recieved my first collection letter from Midland early 2021. Collection call from Midland explaining fraud. Sent a certified letter to Midland XXXX explaining my ID theft after midland threatened a court case; included was a victim restitution form from the city of XXXXXXXX XXXX. I have the Receipt of the certified mail i sent to Miadland Credit Midland continues to call me almost every day. Im am be harrassed by their incompetence to receive and properly read a letter sent almost a year ago. Now as of this date my credit score is being impacted by their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # 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 : Its also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: MD
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 contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on 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 2017-09-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is about Equifax. 
1 ) Equifax is making a lot of money with my information, their executives make millions but they could not even do what they are supposed to do, which is to keep my information safe. I am complaining that the company did not use appropriate security. My guess is that they did not want to spend the money to get good protection. 
2 ) Now that my and millions of other 's data has been compromised they did not contact affected people right away but waited for weeks. When I tried to place a fraud alert the website was down. When trying to log in to XXXX, which I subscribe to, I get an empty page. When calling them I am on the phone so long that the battery runs empty and I have to switch to another phone. 
That is not acceptable. If the company can not do the job it is supposed to do it should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Ascension Point Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my father died in XXXX of last year. had debt with XXXX credit card. i did a estate for father and after funeral paid and such only was {$88.00} and some change left so i sent to only creditor which wanted their debt paid, which was dcm services.check was returned saying wassnt full amount. now they sent to another agency and now they are harrassing me. my name not on debt at all. i advised dcm to stop harrassing me, but still continues and now another. last that was mailed was in my name, now i am afraid they are trying to aapply this to my credit for non pay. need to get stopped and my credit file checked they havent applied this as my debt. i spoke with a cfpb spokesperson and she advised me to file complaint to get stopped. she was very helpfull

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I refinanced my car on XX/XX/22 with capital one and the date is now XX/XX/22 and they still have not received the lien release from XXXX  the last bank i had the loan with. When i called XXXX  they said they sent everything to capital one on XX/XX/22 and capital one said they never received it and never tried to get it again till the end of XXXX which is way too long and i have asked to be compensated and capital one told me they wouldnt do anything cause its the other banks problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXXXXXX XXXX -  partial account number ****XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed 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 explanation
Consumer complaint received 2019-11-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, someone fraudulently charged my credit card upwards of {$1300.00}. 
On XX/XX/XXXX I discovered the fraud, and worked with my bank to move my money over to a different account. 
On XX/XX/XXXX I submitted a direct debit update to FedLoan requesting that they pull my payment that month from my new account that had just been created. 
On XX/XX/XXXX FedLoan charged me a {$58.00} non-sufficient funds fee. 

I asked for a refund in light of the fraud, and because I haven't missed any payments in the past. I also sent documentation from my bank with date stamps per their request to prove my fraud claims were true, and that even with {$1300.00} in fraudulent charges I still had the money leftover to pay my monthly loan payment. I was told that because I didn't cancel my direct debit three days before the payment due date ( this would have been impossible as, again, I didn't discover the fraud until the XXXX, which is the day before the payment was due on the XXXX ), and because they sent me a reminder email on the XXXX of XXXX about the payment ( irrelevant as everything with my money/accounts was fine on the XXXX and I can not see into the future ), it wasn't their error and they refused to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: AMERICAN EXPRESS COMPANY
State: KY
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 have sent AMEX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & DesisXXXX also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Submitted disputes with XXXX, XXXX and TransUnion : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX BANK XXXX # 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 an 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 2017-09-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.

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 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$940.00} XXXX XXXX XXXX  XXXX {$300.00} XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Northern Trust Company, The
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I HAVE AN ACCOUNT WITH NORTHERN TRUST CO. BEING FUNDED WITH THOUSANDS OF DOLLARS GOING IN AND COMING OUT OF IT. THE ACCOUNT IT MINE. IT IS ASSOICATE WITH MY SOCIAL SECURITY NUMBER AND I HAVE USED IT 2 SEPARATE TIMES TO PLACE ORDERS ONLINE. NOW, I CAN NOT MAKE AN PURCHASES AND THE NORTHERN TRUST CO. IS TELLING ME THAT I HAVE NO ACCOUNT. I KNOW THE ACCOUNT EXIST BECAUSE I HAVE USED IT PREVIOUSLY. I KNOW THE ACCOUNT IS ASSOCIATED WITH MY SOCIAL BECAUSE I HAVE USED IT TO ACCES THE FUNDS. I WOULD LIKE TO REGAIN ACCESS TO THIS ACCOUNT BECAUSE IT BELONGS TO ME LEGALLY AND I HAVE RIGHTS UNDER THE CONSUMER LAW. IF MY PURCHASES CONTINUE TO NOT GO THROUGHT I WILL CONTINUE MY INVESTIGATION ALONG WITH REPORTS FROM OTHER INDIVIDUALS AND I WILL FILE A SUIT REQUEST 3 TIMES THE AMOUNT OF THE FUNDS THAT WERE REVESERED BE PAID TO MYSELF AND ALL WHO ARE EXPERINCING TH SAME PROBLEM. WHETHER THE ACCOUNT IS BEING FUNDED BY THE FEDERAL RESERVE BANK OF XXXX OR NOT. THE MONEY IS LEGALLY MINE. AND DENYING ME ACCESS TO IT IS ILLEGAL AND ACTION WILL BE TAKEN. I HAVE RIGHTS AND BY THE CONSUMER LAW, I WILL NOT HESITATE.

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 2021-07-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of america has me in early warning listed as check fraud i do not owe bank of america anything and this has been a hinderance of me opening a new account

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 2022-06-13
Company: CCS Financial Services, Inc.
State: NC
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 am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Bought a Vanilla visa card. 3 purchases made on card already. Before ot could be used. Vanilla customer service is unusable. Keeps sending the customer to different number that don't work. Also, card numbers when called are not identified as Vanilla either. Unable to get any help at all. Funds are stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 got emails stating I had a New Account that has been opened and also, got another email stating an account in my name shows a different address. So I went and did a credit report and it shows a new address that is not mine and a new account opened which is not mine.

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