BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-10-03
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management , Inc. contacted me about a debt I do not owe. I never had any business with XXXX, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been harassed by Sallie Mae with unstopping phone calls and they have gone so far as contacting people outside of my immediate family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am a XXXX and in XX/XX/XXXX, I applied for and received an American Express Gold Card with no annual fee. In XX/XX/XXXX, I incorporated a second business and spoke to Amex who assured me that if I apply for and receive a second Gold Card, that only the new card will be charged the annual {$170.00} fee, while the original Gold Card will continue with no annual fee. So I have had the XXXX cards, XXXX for each business all these years. On this month 's statement ( XX/XX/XXXX ) for the original card, there now appears a {$170.00} fee. To my knowledge, I did not receive notification nor an alert that this annual fee of {$170.00} would now be charged and that Amex would no longer be honoring the original program I have had for the past 15 years. I called Customer Service and spoke to an agent, XXXX, for over 20 minutes who was not helpful at all, kept repeating over and over that I had been paying a {$95.00} annual fee ( which I had not ) and now I would have to pay {$170.00} and there was absolutely nothing she could do to change that, nor was there any supervisor or another dept. that I could speak to. XXXX said she could not look up any annual fee history for this card. Today I invested another hour, calling customer service, asked for a supervisor, put on hold again, spoke to XXXX the supervisor of customer service who said he would transfer me to their Membership Consulting Services, put on hold until XXXX answered, went through the whole story for a third time only to find out that she was in customer service & would transfer me to their Consulting Svrs, held again until XXXX came on. Explained the whole story again and learned that XXXX can only look back on 10 months of history & insisted that I had been paying a {$120.00} annual fee ( which I had not ). She also was not offering any assistance to the resolution of this problem. While she was speaking to me like I was a new business owner and did not understand my arrangements with Amex, the phone disconnected and she did not call me back, even though she knew she was the fourth person I had explained my story to and had my full account profile visible to her including my phone number. To make any customer invest so much time, be transferred to one person after another, and dodge any business solution with integrity is disrespectful and truly reflects that they do not appreciate customer loyalty, nor acknowledges their accountability when they make an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: SLM CORPORATION
State: KS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$2300.00} ; XXXX BANK XXXX XXXX .... Balance : {$630.00}

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 2015-04-09
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX/XXXXXX/XX/2015 MCM willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against MCM.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX Balance XXXX {$16000.00}.

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 2016-08-18
Company: Meridian ARG Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XX/XX/XXXX, I received a call from XXXX from Cambridge Asset Management. She asked me if I knew that there was a claim filed under my SSN. I asked XXXX what this was in reference to. She stated that in 2010, I got a payday loan from XXXX or one of its companies, and that I wrote a check from my checking account from XXXX. I explained to XXXX that I do have an account from XXXX, but it is not a checking account, I only have a savings account there. She told me that I did have a checking account from XXXX, and that I did write a false check. She said that, it is a felony, and that I will be charged with check fraud if I did n't pay them. I explained to XXXX that I would be filing a complaint against her company that she then said that my phone was breaking up and she hung up. Only XX/XX/XXXX, I received another call from Cambridge Asset Management, and I did not answer the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote XXXX on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 2016-08-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I had Amex Delta Sky Miles card and carried AMEX Cards since XX/XX/XXXX, with excellent credit On XXXX XXXX, I was one day late and charged with {$35.00} late fee ; request waiver. On XXXX XXXX, spoke to Amex supervisor, a combative lady ( XXXX ) and not customer oriented. We get into to words and I closed my account on XXXX/XXXX/XXXX. I paid all charges except late fee. 

. 
On XX/XX/XXXX I spoke to XXXX of Amex, she told me she would waive the charges since I am AMEX member since XX/XX/XXXX in good standing. 
AMEX STARTED HARASSING ME NOW On XX/XX/XXXX, Amex sent me a statement for {$27.00} ; it is for late fee & interest charges On XX/XX/XXXX, Amex sent another statement. New balance is {$55.00} ( Previous balance was {$27.00} plus another late fee on top of first late fee {$27.00} plus interest of {$0.00}. ) On XX/XX/XXXX, I called spoke to XXXX XXXX at AMEX XXXX office. She agreed to waive all late fees, and balance will be XXXX. I spoke to her Supervisor complimented her. 
On XX/XX/XXXX, Amex sent another statement. New balance is XXXX. ( Previous balance was XXXX ; plus another late fee on top of twoo other late fee of {$54.00} plus interest ) On XX/XX/XXXX, I called Amex, XXXX ( ID # XXXX ) agreed to investigate charges. 
I hereby request that AMEX should hold their word as their Supervisor says and waive the late fees on top of late fees. 
There is two issue here : 1. Amex is not customer friendly ; for one day charging late fees 2. Amex supervisors promise/word donor mean anything. There is extensive communication break and we Customers suffer. I have the names and dates I spoke to the Amex Supervisors, and no action taken to date. 
I wonder why Amex losing Customers and XXXX account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I got a mortgage loan from Beneficial Mortgage Company XX/XX/XXXX. We bought credit life insurance coverage and have been paying a monthly premium for the insurance coverage since then. My husband died XX/XX/XXXX. I told Beneficial about this repeatedly and demanded information about the policy but they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Midland Credit Managements UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX Chief Executive Officer This letter is being sent in reference to any and all accounts and resulting files created and maintained by Midland Credit Management whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX ; BANKS in violation of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. 
( identity theft and consumer fraud ) Pursuant to 810 ILCS 5/ et seq XXXX XXXX or any other responsible agent of Midland Credit Management must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of Midland Credit Management and a non-interested third party as witness to said contract that may exonerate XXXX XXXX from the claims of identity theft and commercial fraud of which Midland Credit Management is being accused. 


If agents representing Midland Credit Management can not provide or make accessible the requested proof of contract within thirty days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX  XXXX on behalf of XXXX XXXX as a religious contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter. 

Should agents of Midland Credit Management choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by Midland Credit Managements agents. 

All rights reserved without recourse /s/ : XXXX ; XXXX

Company response to consumer: Closed with explanation