BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 Midland Funding LLC sued me in XXXX XXXX XXXX for an amount they alleged I owed on a XXXX credit card. On the afternoon of XXXX XXXX Midland 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 Midland took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with Midland to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to Midland Funding via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount Midland agreed to and despite the fact that they received this payment, with no other notice to me Midland took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that Midland Funding LLC has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I am a XXXX/American express ( AE ) credit card holder. I enrolled to AE true earning card to replace my XXXX AE card but I did n't activate it. AE said I can continue to use my XXXX AE card until XXXX taking over their business on XXXX XXXX. My cash reward with XXXX/AE will still accumulating. When I logon to AE account, it only showed my reward of XXXX. But after my XXXX XXXX statement, my cash reward is even no longer showing in AE monthly statement. I contacted AE on XXXX XXXX. They said they have system error and fixing it. And it still take 2 more weeks to fix it. Does it take 5 months to fix a software problem?? I 'm complaining about AE not giving me the cash reward back. I have my right to know where my cash reward go. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was attending a XXXX school. I was 6 months in when the school closed. During my registration and financial aid process, they said I would have to take out loans to attend. One of the loans is from a private loan company. I agreed thinking that in the long run it will pay off when I receive a well-paying job with the education I had received. My school convinced me to take out this loan and then I believe they breached their end of the contract by closing down. Spoke to lender and they state I am unable to discharge loans. I do not feel that I should pay the full amount of the remaining loan considering that I was unable to finish school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear Sir/Madam, I was send a letter from Rausch Sturm informing me that there is a collection account on my file from XXXX XXXX  and that they were collecting it. Rausch and Sturm never provided validation of the debt. 

In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. 

Consequently, Rausch Sturm, LLP and XXXX XXXX should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. 

Rausch Sturm and XXXX XXXX  never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.

2. The signed agreement from the debtor conforming to pay the creditor.

3. The documents regarding the payments made on this account validating the amount.

Thank you for your prompt attention to this matter.

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 2016-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of fraud, I lost my wallet some years ago. I called all three credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report 10 times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
My loans were initially with American Education services. The loans defaulted back in XXXX of XXXX which changed the lender from American education services to pheea. I had reached out to both lenders to resolve my status to good standing to change the late payment status that is being reported to the credit bureaus. Both Pheea and AES are saying that the other company is reporting to the credit bureaus. I had filed a dispute with aes and they verified that the information on my account is accurate. The balance on my credit shows a XXXX balance but yet I have a late payment status reporting for each month. Neither company is taking responsibility, and no one can change the status because pheea had mentioned that the loans status will switch back to aes after the loan forgiveness bill is passed by the Biden administration. so, they advised me to wait until then. I do not believe that the loans should still appear on my credit anymore since the loans were from XXXX and XXXX. I would like the loans removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2022-10-31
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on this loan on XX/XX/XXXX with the XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the loan was transfered to Gateway First Bank> The letter also stated that nothing else about my mortgage payment will change. I received a letter from Gateway XX/XX/XXXX stating the same. 

Sometime later I received a letter from Gateway First Bank stating that my property insurance had expired and I needed to purchase property insurance, including wind and hail. As this was not the case, I assumed that they had made another error ( In XXXX they had made a mistake with the escrow, collecting my mortgage payment and placing it in tax escrow. I am 100 % XXXX XXXX XXXX exempt from taxes and the initial loan was written without a tax escrow. This was rectified ). 

On XX/XX/XXXX, I received another letter stating that the property insurance was expired on this property and I needed to purchase wind and hail. They, Gateway First Bank, had purchased wind and hail for me and I would be responsible for the charges. I phoned Gateway on XXXX and spoke with 4 cus service reps who informed me that my homeowners insurance did not include Wind and hail coverage and that I had to purchase it. I explained to them that I was informed by XXXX XXXX that I did not live in flood or XXXX XXXX and I was not required to purchase wind and hail to close on my loan. I closed without wind and hail coverage. Each individual at Gateway Bank explained that it XXXX not have been required with XXXX XXXX, but now that they are servicing the loan, Gateway requires it. They repeated over and over that I need to purchase wind and hail because they have purchased it on my property, since XXXX, and I would be responsible for payment of the policy they purchased. I made them aware that all correspondence from both the previous bank ( XXXX XXXX ) and themselves ( Gateway First Bank ) stated that nothing about the mortgage loan would change, just who collects it. They continued to express that their bank ( Gateway ) is now requiring wind and hail, although I was not required to have it with XXXX XXXX and it closed. I also asked them to provide documentation to show that this coverage is required on my loan after closing or to have the situation escalated to be resolved. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXXPURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CARD XXXXCategory Legal ServicesQuestions about this transaction? Review your options $ XXXXTotalsI received a letter from XXXX ga XX/XX/XXXX to be in court about collection of a debt that I owed. I contacted the attorney at XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number XXXX and Paid the debt over the phone XX/XX/XXXX It payment was taken out of my account XX/XX/XXXX. This is the transaction for XXXX XXXX bank showing the payment. I have received another notice from the XXXX Court XXXX XXXX XXXX that my case is scheduled for a default hearing XX/XX/XXXX. I have tried contacting this office to get this cleared up since the debt has been paid. I do n't want to miss a day of work for something that I no longer owe. The case number at the court house if XXXX Midland Funding LLC XXXX was the attorney for this Midland Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a complaint as well as a police report at the beginning of XXXX for my checking account being fraudulently taken advantage of. I thought i was helping a very close friend with a hard time online and it turned out to be someone had gotten ahold to her online profile. She stole over XXXX from this 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 2021-01-14
Company: SECURITY FINANCE CORP
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The predatory lender, Security Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.

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 2022-10-31
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I am trying to get the credit report from Equifax. I used the web site provided to try to get all three credit reports. 
The Equifax page gave an error message and a phone number to call. I did and had a horrible experience. The phone menu is useless and tries to send you to the web page, which just kicked me out. They kept going in several loops until I opted to file some form so that I could get to an agent. 
The agent asked several questions to try to verify my identity. He said the system couldn't verify me and couldn't say why so he asked for my cell number so that I could take a picture of my drivers license, my SS card and myself to send back to them. When I complained he gave me an address to request by mail. 

I have been able to get my credit report over the years without any problem. My impression is that Equifax does not want to provide the information for free and would like to steer people to a paid site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Dealer Funding, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-14
Company: Hillcrest Davidson & Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a {$4000.00} electric collection for a house in Texas that we didnt live in. It was the house next to us. Also, I believe the any charges that were acquired, were after we had moved out of the neighboring property as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony Bank, on XXXX XX/XX/2020 inciting that they felt I could not pay them. They closed 5 accounts ; most had no balances ; one had a credit balance. I have never been late with payments and have no idea why they took this action. They closed my XXXX, Lowes, Care Credit, Amazon, Mattress Firm, Synchrony Home. The only two with balances which were paid on time were Credit Care and Amazon ... never late!!!

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 2015-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-31
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:
I tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my XXXX report a " hard inquiry '' posted by XXXX XXXX  XXXX XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to XXXX and Experian about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.

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 2022-10-31
Company: SUNRISE CREDIT SERVICES, 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 information incorrect

Complaint:
Late payments are being reported, however the information is inaccurate due to arrangements being made

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 2016-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a debt from XXXX on my chex system report and the debt was satified on XXXX/XXXX/2016 and XXXX call me to confirm the they updated my status in chex system to satified and it still not updated after the time they said they need to update the system its been over the time period and i cant get no response from chex system.

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