BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made numerous contacts with Credit Bureau Systems ( CBS ) regarding inaccurate medical debt being reported on my credit profile. The account balance was the financial responsibility of my secondary insurance company, XXXX XXXX XXXX. 
The client of CBS, XXXX XXXX XXXX, had all Coordination of Benefits information at the time of the service and billed numerous other visits to both insurance providers in the same time period. CBS states they will not contact their client for proof of timely filing and claim submission. When disputed, they report this information as verified and accurate to XXXX because " their client says that is the balance due ''. I have made numerous attempts to coordinate communication between CBS and the responsible secondary insurance provider. 
The provider agreement between XXXX and XXXX XXXX XXXX " The Provider also acknowledges and agrees that at no time shall Enrollees be responsible for any payments to the Provider with the exception of Enrollee expenses and/or non-covered services '' The balance is either the responsibility of XXXX XXXX for failing to meet timely filing guidelines, or of XXXX XXXX XXXX if the claim was filed but payment was not made. 
Failure of Credit Bureau Systems and XXXX to conduct a thorough investigation into this matter, and to continue reporting inaccurate information is an infringement of rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
My social security replacement card was sent to a XXXX XXXX XXXX XXXX XXXX but was never received. I had trouble filing my income tax return in XXXX  and my return was never received which may have been related to an identity fraud issue. My credit score seems to be unfairly low. I don't have a significant history of credit use. More recently I am getting suspicious SMS alerts from banks that I do not have an account open with to my knowledge. My mail was tampered with, a envelope sent from my mother was steamed open and a hand written note was stolen from the envelope. It's possible that I am being unfairly treated by employers who do a credit check because of fraudulent activity associated with my record, or social security number. To my knowledge, there is no reason why I should have bad credit. My credit should be ok. I might have to sue the credit borough to investigate if there are any false reports submitted. A false report about my conduct was submitted to the property manager of the apartment, causing the management to threaten eviction. It was a flat out lie. It's possible the social security administration was investigating me for fraud because at one point I was trying to work while still receiving benefits. If that's the case I feel like the person in charge of my SSD hearing may have violated my privacy illegally by allowing too many people to know my identity, location and that I was receiving benefits in XXXX XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hi, I had a Amex XXXX  credit card and I requested to close the account earlier this year. At the time of closing, I had about XXXX point in Amex. During the call with customer support, I was explicitly told that I will have one month to redeem the points once I go ahead with closing my account. I explicitly confirmed twice if I have 1 month to redeem and it was confirmed by the support agent. However, once the account was closed, I lost all my points. I raised complaint twice. But it didnt help. 

Approximate flow of conversations during the call with support agent ( You may confirm with Amex 's call logs ) Me : I would like to close my account. How long do I have to redeem the points Amex : A month from date of closing Me : Okay, lets proceed Amex : Explained some terms and conditions and then asked to confirm if I would like to close the account. 
Me : Are you sure that I have month to redeem the points? 
Amex : Yes, thats right. Shall I proceed with account closure? 
Me : Yes The above conversation can be verified from your call logs. On raising the complaints twice, the first I was told that they reinstate the points but they didnt. Second time, they flatly declined saying nothing can be done inspite of telling them to review their own logs. 

I feel it is unfair to lose my points especially because of wrong information given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to the company after initially filing my first complaint and despite providing an address for the documentation to be mailed for an official dispute to be put in, I was told to take it up with the post office because it was a bad address despite it being the address I gave to the Consumer Bureau itself. Then, despite stating I want to dispute BOTH accounts this company opened against me for the same supposed debt at the same location, began to yell at me for payment information despite me confirming I had never received any documentation about the debt verifying it was correct or mine or the ability to dispute as I do not have direct information from this company and this is the second complaint Ive lodged and the fifth dispute in a matter of several months. There was also an effort to mislead me to gain access to my cellular number without stating it would be to collect debt. There is also proof that more than one debt was claimed on my credit and one was removed while the other was updated with a lower balance.

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 2022-06-07
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:
In accordance with the Fair Credit Reporting act XXXX  Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, 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:
There is inaccuate information in my credit report. This agency has not resolved the issues and therefore is not in compliance with FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This communication responds to your all of the three major credit institutions, XXXX, XXXX, Experian, their Unfair, Fraudulent, deceptive, and wrong practices of debt reporting on your platform. I have a credit history since XXXX unbroken years with several accounts I've had, managed, and paid. Still, your agency only displays my credit history of six years because your agency places customers based on their names and places of origin on a predatory list, judging by my name. In addition, you have instituted nepotism in your reporting causing my Family and me unrepairable damage by displaying wrong information on my report. 
You have kept me down for over two decades, and I will not allow you to continue perpetrating XXXX  and manipulation with my credit. All your reports on my file are false and misleading. XXXX XXXX never contacted me by phone, mail, or by no means blatantly disregarding the Fair Debt Collection-Law, Federal Trade Commission 111-203, title X, 124 Stat.2092. 
Your agency has violated the FTC Fair Credit Law, 111-203, title X, 124 Stat.2092, sections 805-806-807-808-809. Plus, this same debt was attempted and placed on my report by ( Contract Callers ) ; I had to provide all necessary details/receipts before you removed it. Without investigation, you've put it back with another predatory credit collector. I offered/uploaded all the receipts verifying their claims, and the report was investigated by your same agency and cleared of my information. Still, you decided to report this same false claim with the XXXX XXXX XXXX. The same you have consistently done for XXXX XXXX XXXX, This agency has permanently changed the fake report amount they claim I owed. For twelve days of rent, from XXXX XXXX XXXX XXXX, they have held the inconsistencies on the amount owed, 1st reported {$900.00}, 2nd XXXX, then {$7900.00}. " What in the world '' is your agency 's justification for adding this report back on my information after the adjudication process proves it was false. The fact that they continue to change the amount is another gross violation. Please be advised that this issue of false reporting will be officially reported to my State attorney 's Office, District Court, CFPB, XXXX XXXX, etc.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX and Transunion are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.

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 2022-06-29
Company: Continental Finance Company, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I've included screenshots. My due date is suppose to be on the XXXX of every month yet the date change daily. The other screenshot shows proof my credit limit increase was changed from the XXXX to the XXXX. I included a screenshot of the email i get every 6 months. Yet when i call i get the run around and a bunch of lies. 

I called Continental Finance multiple times within the last 30 days regarding my XXXX Credit Card and have received the run around for almost 30 days. This Company 's employees tell one lie after another. Now i'm being falsely accused of applying for a credit limit increase. It's been 6 months and if i had not called this Company they wouldn't have ever sent me an updated card. Any Company that offer credit cards is suppose to send their customers an updated card 2 to 3 weeks before the card they have expire yet i had to contact Continental Finance only to get the run around for nearly a month. Multiple agrnts told me therevis no valid reason why i never received updated cards. I should've received updated cards in XX/XX/XXXX for my XXXX card and in XX/XX/XXXX for my XXXX card yet 6 months later i had to contact them. I've never missed a payment or been late making a payment. Since i've had this XXXX credit card every 6 months i get an invitation by email to apply for a credit limit increase. Continental Finance have now changed my bill due date which should be on the XXXX of every month along with my XXXX card thru Continental Finance. They also changed the date for my credit limit increase which should be on the XXXX every 6 months like my XXXX XXXX. Continental Finance agents have repeatedly lied that i called in and have been lying for a month that my date would be back set to the XXXX for my bill due date and for my credit limit increase. Their agents lie about anything and they leave you sitting on a call even when you tell them due to XXXX XXXX you can't stay on a long call while they lie about getting a Supervisor. 


A week ago a XXXX agent name XXXX or XXXX from their so called Escalations Department contacted me and left me a voicemail. Since early XX/XX/XXXX i've called her and left voicemail after voicemail yet she didn't bother to even contact me back and it's nearly 30 days later. Customers wouldn't have to keep filing complaints on Companies if they did the right things and not lie snd give customers the run around.

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 2022-12-01
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Currently i am a victim of identity theft by many databreaches and me personally being robbed. on XX/XX/XXXX i received an letter from IRS stating that i had additional tax forms ( 1099k ) that was not included in my XXXX tax return. It was ELEVEN 1099k forms for the same company SQUARE INC ( I had no knowledge of this form prior to the IRS letter because i never created a SQUARE BUSSINESS ACCOUNT OR ANYTHING UNDER THE SQUARE INC COMPANY ) i did indeed know about me being a victim of the XXXX data breach and also me getting robbed for my wallet ( with all my info inside ) so my info has been all over the internet. SQUARE INC has allowed scammers/hackers to open up SQUARE INC BUSINESS ACCOUNTS AND CASH APP BUSINESS ACCOUNTS under my identity AND ALSO ALLOWED MULTIPLE LARGE TRANSACTIONS IN THESE ACCOUNTS WITH MY KNOWLEDGE. i have contected square inc on XX/XX/XXXX to report all 11 accounts as fraudulent but i have yet to speak with square inc again and i really need this matter to be fixed immediately. i have also filed a FTC REPORT MY FTC REPORT NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Submitting Personal Statement is notoriously difficult by design.

Deliberate and systemic system to keep credit scores low for the benefit of banks and lending partners. 
Malicious compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: CBC Companies, Inc.
State: MA
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:
On XXXX/XXXX/2022, I sent a request to have my consumer reports from Innovis and XXXX sent to me via registered mail with tracking included with this request was a copy of my drivers license and social security card. I have yet to receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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