BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me upwards of 3 times in 10 minutes all day long. I 've repeatedly answered these calls and asked that they stop calling and that I am protected from this type of harassment by federal guidelines - at which point they hang up. I 've also asked that they mail me information regarding the debt - I have not received anything since the request I put in 9 weeks ago.All of their repeated calls are done via an auto-dialer. If you do answer XXXX of these calls they typically drop the call if an agent is not free, and then will call you again 3 minutes later. It 's become completely harassing in nature. I am more than willing to talk to someone about paying off whatever it might be that I owe, but I will not respond to a company that uses these types of tactics to recover debt ( which I am fairly certain is less than {$1000.00} ). I 've asked to speak with a supervisor and I 've ever been hung up on OR placed into a voicemail for someone named XXXX XXXX and not transferred to a live person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing you to let you know how bad Chase handle customer issue and withholding customer fund ( probably illegally ) I have Chase credit card for more than two years. 
I recently go to their branch ( XX/XX/XXXX ) and open a new checking account successfully. However, a week later, I found that my online access has been locked completely. I spent half an hour on their toll free number with no result and was told to go down to their branch. After wasting so much unnecessary time, I was told that I need to provide my social security card and a letter from social security office before they can unlock my account. This is the most radiculous because I have had more than two years of banking relationship with Chase by holding one of their premium credit card. I told them that I am more than happy to produce my passport, my social security card, I really have no time to go down to Social Security office to ask for a letter. Furthermore, I have opened checking account with more than two other banks in the past 4 years and have never heard of such radiculous request. 
At the end, I told the branch that I rather just close down the account and have my money back. However, they hold my money hostage. I deposited $ XXXX on XX/XX/XXXX and they can not release my fund until at least after XX/XX/XXXX. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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: Account status incorrect

Complaint:
I disputed a collections account with Experian for XXXX XXXX. I spoke to the collection agency and they sent a deletion request to Experian. I've uploaded a copy of the deletion to them. They have failed to remove the collections account and I am not able to reach them by phone.

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 2022-03-18
Company: Affirm Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased concert tickets through XXXX using a credit card created by Affirm to use. I would subsequently be billed for the purchase by Affirm in monthly installments. I paid the amount in full XXXX. The concert was rescheduled for a year out. I checked with ticketmaser and you could not receive a refund. Again in 2022, the concert was rescheduled for a year out. I checked with ticketmaster and they were issuing refunds. I applied for a refund through them ( per Affirms instructions to contact the merchant for a refund ). XXXX refunded the money to affirm. On XX/XX/2022 Affirm refunded one of my payments for XXXX to my checking account that was linked for making the payments to them. They list a check for XXXX being sent to me on XX/XX/2022. I have yet to receive the check. It has now been one month. I have called them three times and been told they will escalate my case. I have never received any response from them on the messages I have sent into their portal or my phone calls I have made. I am never told if they will really send me my check. I am just told my case will be escalated. I just want my refund. Their phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax, XXXX and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
I was approved for and activated an American Express ( Delta Platinum ) credit card onXX/XX/XXXX,  and incorrectly assumed that the annual fee of {$190.00} would be waived for the first year and that I would receive a companion certificate for airfare purchase. Once I found that out, I called in more than once to speak with Customer Service, to see if that could be negotiable. I was ultimately told NO on XX/XX/XXXX, and so on that date I cancelled the card and closed the account, and paid off, on that same date, the {$1200.00} that I owed in purchases that I had made ( minus the {$190.00} annual fee that I had decided NOT to pay since I was not going to keep the card ). Now, keep in mind that I had already, on XX/XX/XXXX, paid off the first statement I received for {$250.00} - which included the {$190.00} annual fee ). Then, I asked AMEX to simply allow me to do that and have us be " done with each other. '' Again, on that same date, they said NO - that I still owe the {$190.00} annual fee, plus {$34.00} in fees & interest. Keep in mind that I only had the card for 6 weeks! I followed up by letter, again requesting that, since I paid off what I purchased, and had cancelled the card, to please close all business between us, to which they responded by letter, again saying NO - that the charges were correct. <P/>Now, what can I do? I am getting monthly statements, with additional fees & interest, for a credit card that I have already closed, paid off purchases for, and I feel both harassed and trapped. Can I stop all of this without having to pay these charges that I disagree with? The most recent XX/XX/XXXX statement has me " owing '' {$270.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I sent a letter to Midland funding disputing a XXXX account that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in XXXX days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XX/XX/XXXX I received the attached letter from XXXX stating that they have opened an investigation requesting appropriate documents and I have heard nothing from them since. 

This account has been deleted from my credit report XXXX times since then and placed back on my report, affecting my credit score each time. Based on the FCRA and FDCPA once an account has been removed, I should be notified 5 days prior to the account being placed back on my credit reports. 

In addition, Midland Funding has not provided me with proof of documents bearing my signature in the requested 30 days. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

My belief is that they were not able to validate the debt and decided to remove the debt from my reports. They would not be able to validate the debt, because it does not belong to me. 

I believe that my rights have been violated and I would like immediate action taken. 

In addition to this CFPB complaint, I will be filing a small claims XXXX XXXX Midland Funding as I was recently denied credit because this account appeared back on my credit report and dropped my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

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 2015-08-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Midlan D Funding. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I checked my credit score from an e-mail from XXXX XXXX. They made a recommendation to me to apply for the American Express Blue Cash Everyday card. I clicked on the link and was offered a {$250.00} cash back offer if I spent {$1000.00} in the first 90 days of having the card. I was approved and received the card. After I purchased the required {$1000.00} I use their chat window to confirm I had met the requirement. The chat representative said there was only a {$100.00} cash back offer on my account. After not getting anywhere I requested a Supervisor. I was told I had a Supervisor on the chat and explained the problem. She said I had n't met the requirement of spending {$1000.00} ( which I knew I did ) and I asked her if she saw the {$250.00} offer on my account, she said " maybe you did n't apply in time, '' I told her how I got to the offer and that I applied immediately right then on the site. She said " I 'll check into that. '' I said I have a screenshot of the offer, and suddenly she disconnected the chat. I searched XXXX for {$250.00} cash back offer from American Express and to my surprise there were numerous links talking about how the {$250.00} offer from Amex is hidden once you 've gone to the site. There were sites that explained that if you clear your browser history you might be able to see the original offer. Others said if you use Google Chrome Incognito you could see the offer again. Others still said if you clear your browser and try the link you may get it on the 2nd, 3rd, or 4th attempt if you cleared your browser history each time. I called Amex and asked for a Supervisor who said only the {$100.00} offer was on the account and I must have applied too late. I tried what those sites on the search and indeed came up, in addition to the {$100.00} offer a {$150.00} offer and have a screenshot of the {$250.00} offer. They ( Amex ) told me they would get back to me on XX/XX/XXXX. I received a call as promised and the woman said that I was declined to receive the {$250.00} offer. I told them I would file a complaint with you and the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Experian and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.

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 2022-03-18
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
In XX/XX/2016, I called the customer service department of Wells Fargo Bank to schedule a mortgage payment for the month XXXX on my FHA loan. The representative noted my payment request and at the end of the conversation, I was given a payment confirmation number. Shortly after, I noticed that my payment was not debited from my bank account and I alerted Wells Fargo that a payment was made and the agent confirmed it but there was no record that the payment was ever made. Today, a late payment is showing on my XXXX report as 30 days late from XX/XX/2016, affecting my interest rates on any future purchases. I have tried on multiple occasions to have Wells Fargo correct this to no avail, despite phone calls and written attempts for help. Wells Fargo would make attempts to review my account while I was a loan customer but since I sold my home and no longer am a Wells Fargo client, this attempts have seem to diminish.

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 2017-10-14
Company: EQUIFAX, INC.
State: WA
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 have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think Equifax was the reporting credit union. 

Equifax refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute with Transunion on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX. This dispute was to request that two late payments be removed from my credit report as they were inaccurate. These payments were reported on in XX/XX/XXXX and XX/XX/XXXX. At some point, my credit report was changed to show no payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with one late payment on XX/XX/XXXX. 

Furthermore, I have attached a statement from XXXX Fed showing that I clearly made the XXXX payment on XX/XX/XXXX. 

I did not receive a response within the 30 day window as required by the Fair Credit Reporting Act.

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 2022-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 did not make none of these hard inquiries...

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 2017-05-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain credit

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 2022-03-18
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I never dealt with this company before.

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