BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: ENCORE CAPITAL GROUP INC.
State: PR
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:
This complaint is against XXXX XXXX. After numerous disputes with foundation, XXXX XXXX. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with midland funding llc. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that midland have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with XXXX on numerous occasions, since XX/XX/XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent XXXX  with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet XXXX  XXXX, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( MCM ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent XXXX a document from XXXX  dated XXXX., showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: EQUIFAX, INC.
State: VA
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 have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
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 want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : TOYOTA MOTOR INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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:
Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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, 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.

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 2022-01-18
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Beginning in the month of XX/XX/XXXX my prepaid American XXXX card fees are higher. My card could not be used as advertised. It consistently declining at stores with funds available. In XX/XX/XXXX. I disputed transactions that amounts were wrong, I was charged 2 times for the same service and unauthorized transactions. My card was replaced but my money from the dispute was not replaced. On XX/XX/XXXX I called about another transactions that I did not authorize and the other disputes from XXXX. The representative was rude another representative put me hold for an hour never transferred my call to the fraud department or came back to the phone. One representative asked me for the transactions from the dispute in XXXX. I login my online account and could not find any of the transactions that I disputed. Like it was deleted erased never existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a number of issues with this bank since they acquired my mortgage from XXXX in late XXXX. They stopped my escrow account and stopped collecting home insurance and I had to assume payment of it for a bit. I had to point that mistake out to them. Their Insurance department is totally incompetent. During this time, their insurance department sent me a letter asking me to get the Insurance policy information on the building for them. I reached out through social media and said that I am not doing their job for them. I gave them the contact information for the property management company and told them to do it themselves. I live on the top floor of my building. It is a cooperative building, so I own shares but not the actual unit. I had leaking in XXXX which the building poorly repaired, so I had to pay to fix the repair out of pocket. I reach out them that now in XXXX that I have mold. They told me that the Insurance and Legal department told them that it is not the bank 's problem. I am required to have insurance on the unit while my mortgage is in place and they want the building 's insurance policy but do not care that the building is not being maintained. I am attaching the mold violation that the city put on the unit. They should have at least sent me the building 's policy information so I can file a claim. I want nothing to do with this bank. If I did not care about my credit, I would stop paying the mortgage as I am in a building with mold. I honestly want them to stop having people to call me, just to act like they care. I propose that they sell my mortgage or I will just sell my apartment to end this relationship. It literally makes me sick each month when I have to pay my mortgage to them. They are the worst financial institution that I have deal with in my entire adult life and I am 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 2022-01-18
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: Account information incorrect

Complaint:
This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX. 
thank you.

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 2017-09-09
Company: EQUIFAX, INC.
State: OR
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach which happened XXXX through XXXX XXXX. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom it May Concern : On XX/XX/2020 I went to XXXX to redeem a voucher for a plane ticket. The website is very outdated and they do not make it clear where you are supposed to enter the voucher number. I got to the part, where I had to enter my credit card number and I entered my bank of america credit card number because it wouldn't let me progress to the next screen otherwise. After I hit next, the website crashed and I thought that I did not think the purchase had gone through. I did not receive any emails of any kind regarding a ticket I had purchased. The next day, I saw that the charge had hit my bank of america account. I immediately tried to get in contact with XXXX in order to cancel the ticket and get my money back. Getting hold of them turned out to be very difficult. I reached out many times via chat and was told each time there was nothing they could do via online chat. I called several times, and the phone would ring for hours without anyone ever answering the phone call. I have a screenshot of a phone I placed on XX/XX/2020 for over XXXX hours. No matter how long I waited no one would answer the phone. I even went to the airport to try and resolve this issue and they said I had to call. I did not use the plane ticket nor did I even get a confirmation that I had purchased a plane ticket. They need to refund me this money and improve their customer service. The fact that no one answers the phone is ridiculous. Please reimburse me the full account. I have been a client of yours for over 20 years and have never had any of these types of issues. 

Thank you!

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 2022-01-18
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I need assistance as I have been trying since XX/XX/XXXX to get a payment refund on account ending in XXXX ( XXXX XXXX Credit Card ), in the amount of {$4600.00}. As the total balance was debited from my checking account vs. the min. payment. I have called multiple times to try and resolve this matter. I called on XX/XX/XXXX and was told that the refund process had an error on Synchrony 's part and that it had to be resubmitted. On XX/XX/XXXX I was told that the refund check had been approved and was issued on XX/XX/XXXX. My credit line was decreased while waiting for the check to be issued, I called on XX/XX/XXXX and I was informed that the credit line decrease would not impact the refund process or the refund amount. I called today XX/XX/XXXX and spoke with 3 representatives and was informed that the check has not been issued, and they were unsure why it has not been issued. I was also informed today XX/XX/XXXX by the third representative that I spoke with that no one could contact anyone in the refund department to see why it has not been issued and sent out and to request a status update on when to expect the check to be issued and to be in my hands.

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 monetary relief
Consumer complaint received 2019-11-25
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2022-06-19
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX  Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX number 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

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 2017-09-30
Company: DISCOVER BANK
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Discover card keeps sending my XXXX year old daughter credit card offers. I have called twice over the corse of two months and they just tell me that her information must be incorrect. I need to file a report, They keep sending out offers It is illegal and I want them to stop. I would appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
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:
I have another complaint against this XXXX XXXX XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have another complaint against this XXXX company XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district XXXX told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

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