BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX : The following is the over view of my issue with AMEX debit cards. This issue has occurred nearly a dozen times. The issue is AMEX making an error in processing a payment/ return. The amount of time to have wrongly removed monies from the account runs nearly 8 business days which is nearly 2 weeks of a consumer not having access to their own money. Although VP 's contacted me, the error was not corrected. 

I am contacting you concerning the recent scandal involving the XXXX XXXX. Due to a similar issue with AMEX, I will be addressing the issue in the same manner as I and my partners addressed the issue below concerning XXXX. The case is now part of the XXXX case to break up XXXX and fine the corporation {$6.00} XXXX http : XXXX. 

We are taking the XXXX approach to addressing the massive and industry wide scam of stealing from consumers and inconveniencing them in a very harmful way. For example AMEX and most of these cards encourage the working class and poor to have Social Security, XXXX, their paychecks, etc. directly deposited to debit cards. As in the XXXX XXXX situation those funds are made unavailable through errors, and other unethical practices to increase revenue for the card companies. We will be calling on the federal and state governments to take action that bars swipe fees, any wait time for consumers to have access to their monies due to error or profit gouging by card companies. The movement will involve reaching the public and legislators through press releases, press conferences, taking legal action, and boycotting companies that are in the consumer exploitation business. 

If your organization would like to participate please let me know how we can help. 

XXXX XXXX XXXX XXXX : XXXX https : //www.google.com/ # XXXX & XXXX , % XXXX , % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TX
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:
This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXX TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXXXXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: STEWARD FINANCIAL SERVICES LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-15
Company: Cascade CISS Holdings, LLC
State: IL
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 have Unauthorized inquiries on my credit report. Please remove/delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: FIRST ADVANTAGE CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I fully completed the First Advantage form, " Request for Full File Disclosure, '' which required the inclusion of sensitive information and personally identifiable proof ofidentification documents. For security purposes, I mailed all required documents via US Postal Service on XX/XX/XXXX to : First Advantage Consumer Center Attn : Full File Disclosure XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX, I emailed First Advantage requesting the status of my request. On XX/XX/XXXX, I received the following reply : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, Thank you for contacting First Advantage to check the status on your Full File Disclosure. We apologize for the delay, but our department never received the documents that you sent by US mail. In order to provide you with your Full File Disclosure in an expeditious manner we would like for you to provide a copy of your documents by email. 

Again, thank you for contacting First Advantage. 

First Advantage Consumer Advocacy Center ( XXXX XXXX First Advantage | O : XXXX F : XXXX XXXX Follow Us : XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As First Advantage should well know, documents containing sensitive, confidential, and personally identifiable information should absolutely never be transmitted using email. 

This may indicate First Advantage should not be trusted with the sensitive and confidential information they collect, store, and transmit. How are they handling this information? 

And with the excuse the gave me in above email, how many consumers unwittingly comply by sending sensitive documents such as passports, driver 's licenses, social security cards, military IDs, credit card and utility billing statements, property tax bills ( these are all sample documents requested by First Advantage ) through email? 

First Advantage should be investigated and audited as to their business practices and safeguarding of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Recovery one had a debt that showed on my credit report which I found to be fraud. In first attempts to contact them to even find out where the debt was from they did n't mini miranda me, refused to answer questions or let me speak with a supervisor and then hung up on me. I called back and spoke with a supervisor she lied and said she heard the convo and that he did mini me, which he did after I mentioned it to him 5 minutes into the convo. I advised her he was rude and unprofessional I advised i wanted ti speak with someone higher than her and she said she would maybe try anf have someone call back next week and that didnt set right with me so I hung up. I was in communication with the company the debt originated from after that and they put in an order with recovery one to remove the debt from my report due to fraud as I am attempting to buy a home, and this is the only hold up. It had been two weeks and I contacted recovery one again to see what the issue was, the guy first states that its not in his office he ca n't help and that it will take up to 120 days to be removed I advised I didnt have that kind of time. I asked if i could deal with someone in this office because the other office was rude and unprofessional and he rudely asked what they supposedly did I tried to explain and he said there was nothing he could do and dont know what to tell me. I advised him i want to speak with a supervisor in his office he kept dodging the question and told me he will get me the number to the othet office. Then i advised i read reviews online and the company had nothing but bad reviews he got even ruder and said yeah the thing about debts is noone wants to pay them i advised this is fraud though and i really need it resolved and i understand becausr i actually do student loan collections and he said thats way different i said yes i know because we actually get ourr money. Then i asked him four times for the number he said you know what if youre so professional and know so much about debt handle it yourself and hung up. I tried to call back and couldnt get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company XXXX XXXX XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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: Information belongs to someone else

Complaint:
i found that this account is not belong to me and i found that this account is damaging my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed that this collection appeared on my credit report but i was never notified of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : CAPITAL ONE XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Do n't know, nor have I ever applied, or signed Any application for ANY loan from  XXXX  c/o  XXXX  ... I received a email thanking me for applying for a loan, and that they were sorry that they could not provide the erroneous loan!!! This is/was unbeknowest to  me (   XXXX   XXXX   XXXX   )   .I  sent them a email letting them know that I had NOT applied for ANY loan, and that if they were reporting that to the C RA 's  that I would be filing a complaint in  XXXX   XXXX   Superior court for recklessly erroneously reporting this inquiry to the CRA 's in violation of the F.C.R.A.. I have also filed a  Identity Theft report with my local police station.

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 2015-12-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
PNC Bank required me to open up an account with them in order to close my HELOC. XXXX XXXX Loan Processing Analyst Sr ( XXXX ) XXXX # XXXX was my direct contact person. In XXXX was required to open four different accounts in order to receive a {$400.00} new client bonus. 
I contacted the company a few months later and they gave me the runaround. Stating I wasn't a new customer, because they merged with BBVA Compass. And I wasn't eligible for the new customer bonus. 
The merge was not complete at the time. I was reluctant to open an account with them, however, I was up against a rock and a hard place. 
I tried to reach out to the Branch I opened my account with, they gave me a customer support number to call. 
I spoke to XXXX XXXX at @ XXXX to try to handle the situation. She gave me the same spill about me not being eligible. We exchanged some not-so-pleasant words and I told her that I was going to be closing my accounts with them. 
A couple of weeks later I received an email from XXXX XXXX XXXX. I reached back out to her three different times and I have never heard back from her concerning my complaint. 
As a customer, I want what was due to me at the time of my opening of four accounts that I had no need for at the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Global Lending Services XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've submitted two requests for the same paid off account with two credit reporting agencies and they have removed the collection. XXXX   wasn't contacted for some reason and they still have it listed and it's hurting my score. XXXX XXXX XXXX and XXXX XXXX # XXXX opened XX/XX/XXXX has been paid off since XX/XX/XXXXthe number listed on the report is XXXX. I pray that these agencies would and banks would just do there jobs. Your help will be greatly appreciated please!

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 2016-06-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used the website XXXX provided on the FTC website in hopes of receiving my annual credit report from XXXX, XXXX, and Equifax. I obtained my XXXX credit report with no issues on. I logged back into XXXX XXXX/XXXX/2016 and attempted to receive my free credit report after verifying my identity correctly from XXXX and Equifax. Equifax and XXXX responded that I had already requested the reports less than 12 months ago. I never initiated the process of retrieving the credit reports from XXXX or Equifax. My complaint is unlawfully not having my yearly free access/copy of my personal credit report according to the " Free Credit Reporting Act '' using XXXX. XXXX and Equifax are denying my right to access this based on the assumption that I have received the credit report which has no grounds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
My recent report is showing the same account from XXXX XXXX XXXX which is concerning me since I have been disputing this account for multiple times. This XXXX XXXX account was opened without my knowledge and authorization. Thus, I consider this account to be fraud. I have sent multiple written requests to the Credit Bureaus but up until today, I have not received any response from them. Due to their incompetence, I am seeking help from you to help me reach out to the Credit Bureaus and have them remove this account from my Credit Report. There actions have been affecting my credibility as a credit holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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