BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: PA
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 Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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 explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX. 

XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hi, on XXXX XXXX I went to XXXX and withdrew XXXX from the atm, the atm only dispursed XXXX because of their limit. I then went inside bank to explain the problem the bank did an investigation which showed they were over XXXX. So then the money was sent back to american express serve on XXXX XXXX to be credited back into my accout an at this time I had already started a dispute on my half. XXXX XXXX i was sent an email saying investigation was closed an I would not be credited the XXXX dollars because the merchant had provided documentation that I was given money at the time of transaction which is false. Now it is XXXX XXXX an not getting any answers nor my money. I call continously the american express number on the back of my card because Im in need of my funds an not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a loan for a child 's toy truck I paid through XXXX I paid in full before it was due I have verification that I paid in full after I contacted Experian to dispute why they think I still owe XXXX {$56.00} after expiry and already had taken it off showing that I completed payments no other credit reporting agency is saying that I owe XXXX money except for Experian I am a vulnerable adult who has disputed this twice and reached out on the phone contacted Experian for them not to listen to anything I've had to say then retaliated against me when I said I was going to contact the XXXX XXXX XXXX and make a complaint against them committing fraud on my account and affecting me emotionally and physically and financially and subsequently affecting my credit I'm submitted and tried to submit documents based on my behalf and they refused to take them XX/XX/2020 is the first time and they lied committing fraud the i submitted another dispute XX/XX/2020 AFTER i yried calling ove 5 diffrent numbers to get to and actual customer service representative and had to escalate to a manger/ supervisor and she lied through her teeth then closed the dispute today so i couldent submit evidence agian for the 3rd time if i can sign up for Experian then i should be able to have them delete my account which they also refused there dystroying my credit every day by saykng i owe XXXX when i do not!!! Experian retaliates when you as a consumer know your right and what your entitled to they do not get to determine how many times you dispute and the do not get to have access to your account and ssi number if you revoke permissions they are committing fraud!!!

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 2017-11-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The lender PennyMac increased the escrow account by {$480.00} monthly from {$490.00} to {$980.00} stating that we were behind for the last 12 months. 

According to the property taxes of {$3900.00} and property insurance of the {$2400.00} the normal monthly escrow should be {$6300.00} divided into 12 months it would be {$530.00}. 

Therefore, that huge incremental is impossible for us to pay and unreasonable under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID XXXX IN 2012 AND MCM KEPT CALING HOME, CELL AND WORK AND IS STILL REPORTING ON CREDIT REPORTS. AND S.O.L. EXPIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. 
They have also reported a different debt that I have been disputing for a long time with no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a XXXX on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX. 
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information XXXX Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my XXXX credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Social Finance, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage refinance with Sofi on XX/XX/2020. After 4 months, we have not closed ( as of XX/XX/XXXX ). 

Throughout the process, Sofi : ( 1 ) Failed to timely respond to questions or provide updates ; ( 2 ) Missed 4 different projected closing dates ; ( 3 ) Caused our credit scores to drop unnecessarily due to excessive credit pulls caused by closing delays ( dates of pulls : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ) ; ( 4 ) Presented erroneous information in the closing disclosures ; ( 5 ) Misrepresented steps taken to process the application.

We have attached a separate timeline of relevant delays and actions.

To summarize : Sofi has taken over four months to process a single refinance, damaged our credit scores through excessive pulls, presented incorrect disclosures, and missed several projected closing dates. Sofi has  been insufficiently responsive and has failed to provide substantive updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
I held a credit card from XXXX XXXX XXXX XXXX. I had to retire from my job and was without XXXX payments for over a year. The date was XXXX and at this time I called XXXX XXXX and inform them. I also tried to make payments arrangements when I did received my XXXX, however they sold my debt to Midlands Funding LLC instead. I wrote a letter to Midlands and asked them to verified the date. They sent me a bill of sale with redacted information in it. I wanted to know what they bought my debt for and could we work with this amount. Instead on XXXX XXXX, XXXX they served me with court papers to serve me with the full amount they say I owe but blank out all in their so called verification of bill of sale. I called them immediately I explained that I can not pay them this debt in full as I am retired and collecting Social Security XXXX. I asked them not to contact me by telephone. I also ask them to discharge or settle this debt for what they paid for it not what they are claiming they are saying and they refused. I said ok I will pay you XXXX a month this is all I can afford. This said that was not good enough. On XXXX XXXX, XXXX Again I received notice from the law firm ( debt collector ) stating I did not respond to their request on XXXX/XXXX/XXXX. I again started I spoke with someone and told them on XXXX/XXXX/XXXX that I would send them {$20.00} a month and I did and will continue. I want them to verified my debt and not send me paperwork with redacted and blank amounts. I want them to settle this debt for a lower amount and let me make payments. They continue to accept my payments to this day but continue to want to sue me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: NY
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 disputed a credit line with Equifax regarding an incorrect account balance. " XXXX XXXX - XXXX XXXX  '' showed an outdated balance of {$1300.00}. After the investigation, the account updated to the correct balance of {$120.00}. The account no longer figures into my aggregate revolving credit balance nor the aggregate credit utilization for FICO scores. Specifically, despite having a {$120.00} balance against {$19000.00} aggregate limit, my aggregate balance is XXXX  and my credit utilization is XXXX. I should see {$120.00} aggregate balance and 1 % aggregate credit utilization. Its as if the account is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: WELLS FARGO & COMPANY
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:
In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 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 2016-08-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
On XXXX XXXX, 2016, there is a charge of {$780.00} taken out of my account, paid to XXXX. I figured out that my boyfriend at the time had taken my debit card number and paid his past due cable bill with it. So I called up bluebird AmEx and told them what happened and disputed the charge. I was issued a conditional credit for {$680.00}, {$100.00} less the total charge, in XXXX 2016. I was received an email and uploaded forms they asked for. Then I never heard anything from them, until on XXXX XXXX, 2016 when I noticed they reversed the provisional credit and sucked out all the money I had in the account and then some. I called them and they said the reason they reversed it is because they needed me to send them a copy of the receipt from the disputed transaction. How could I send them a receipt I do n't have, and why would I have a receipt for a transaction that I never authorized. They did n't even try contacting the merchant to my knowledge and I have tried numerous times resubmitting the dispute and it has been like banging my head against the wall. The last time I called in they resubmitted a new dispute but I was told that I needed to send in s copy of his bill to prove it was not in my name nor service to my address. I said I did n't have access to that and they told me to call or have a male friend call XXXX pretending to be my ex boyfriend and get a copy. I was not doing that for obvious reasons but also that would n't make a difference because I am sure they would just send the copy to his address on file which I do not live there or get his mail. In any event they are just giving me the run around now and the account is negative months now and checks have bounced etc. Because they never informed me of the credit reversal or any information the entire time and also on their website I was reading the dispute terms and conditions and it says that they will contact, merchant and fight your dispute as any other major credit card etc. and clearly they have done no such thing. I hope this agency will be able to assist me in getting my {$780.00} back that I have been out for the past few month. Thank you for your time and anticipated cooperation regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX XXXX Today is XXXX 2022, I've tried to access my credit file through XXXX 3 days ago and I had an error message pop up two times for exparian and also XXXX which I know is violating my rights as a federally protected consumer pursuant to 15 usc 1681h ( c ) ( 1 ) ( B ) ( iv ). 

I received an error message from Experian stating that the number I've entered didn't match their records. 

I've attached my forms of identification below

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 2022-05-23
Company: EQUIFAX, INC.
State: OH
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 sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : THE XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Hi, I found out that there is judgement on my name by Midland Funding LLC. I was never served any papers or notified about this lawsuit or the judgement. I found out from my credit report. On doing some research I found out that your organization ( CFPB ) has sued them and their parent company. One of the action on them was to release or vacate all lawsuits that were wrongly filed. Is there a list somewhere I can look up if mine is there and how can I get the records corrected in the court, as this is public and hurting my credit. Can you help pointing me to some source where I can get help on this. Thank you for all your works for protecting consumers like me. We all ( consumers ) appreciate the work your organization does. Great work, Thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Colony Brands, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation