BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My original complaint to CFPB was in opposition to XXXX score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from XXXX or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold Equifax was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX  2000 XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2021-10-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My wife and I are trying to freeze our credit reports to prevent identity theft. The process was simple to complete online at XXXX and XXXX. Experian does not allow either of us to complete the process online, requiring us to mail copies of government id, utility bill, and other personal information. We are concerned that we will have to go through a similarly onerous process if we choose to unfreeze our account and believe these requirements are designed to discourage us from taking these steps.

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 2022-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I noticed when I had logged into my mortgage account that the monthly mortgage amount was much higher ( {$1500.00} ) than what I had paid in the past ( {$1100.00} ).. 
When I called Customer Service, I was transferred 4 or 5 times just to get clarification on whether the mortgage amount includes property tax and insurance. I was told that it was just the insurance amount from XX/XX/XXXX. 
What is bizarre is that I had property insurance from XX/XX/XXXX till XX/XX/XXXX and then Wells Fargo decided to pay the property insurance even though I have never had an escrow account and renewed it on their own.. 
The monthly payment jumped from {$1100.00} to {$1500.00} even though the property policy I had in XXXX was $ XXXX. The math does not add up and I feel that Wells Fargo is gouging the insurance premium amount and has added it onto my mortgage amount when in reality, I have always paid for property insurance and taxes separately.. 
I think there are lot of discrepancies and fraud to get me to pay a higher amount for my mortgage over the insurance premium.. 
I have escalated this issue about the mortgage escrow account and still, nothing has been done to resolve this issue..

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 2021-10-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.

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 2021-09-24
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. 

I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam.

Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. 

With that being said, please note we have never been to XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I am a client of American Express. I just found I got a negative membership rewards balance. And I was told that it is because I cancelled my personal platinum card, which ends with XXXX, on XXXX XXXX 2016. 
Here is my case. I cancelled my personal platinum card because I got another Platinum card from XXXX XXXX. Basically, I called the number at the back of my personal platinum card and talked to XXXX of your representative. After a conversation, he said that I could cancel my account. I particularly asked him questions " Is it okay I cancel my personal platinum card in such a short time? '' " Will Amex think me misuse my card and claw back my points earned with that platinum card? '' He told me that it is okay for me to cancel my first personal platinum card since I got the platinum card from XXXX XXXX, which has the exactly same benefits. What 's more, he told me that American Express would not claw back my points earned by that card since the points have been posted to my accounts and I met the spending requirements. 

I told him that the only reason I would like to cancel my personal platinum card is because I have the platinum card from XXXX XXXX recommended by a staff in XXXX XXXX when I opened my brokerage account there. If at that time the representative told me that cancelling the personal platinum card might make American Express think me misuse the card, I would never do that. I really do n't mean to misuse the card, or just to win the sign-up bonus intentionally. I love the products and services provided by American Express ; I use the different Amex cards in my Everyday Spending ; I never missed a payment in the past. Honestly, I would like to develop a nice relationship with American Express. 

I tried many times to explain my situation to Amex. However, I just found that American Express are really rude. They told me that it is not their responsibility that I were given the wrong information by the customer representative. And it 's all my fault to cancel the account. This is unbelievable. I was mislead by Amex, now they are taking advantage of that. I know, I am just an individual customer of American Express, and American Express is big financial company. But I will defend my own right and will not let Amex bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. Midland Credit management/Midland Funding tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of XXXX ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( midland credit management, or midland funding ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own MCM or Midland funding any money as I have not signed any paperwork with them or purchased any goods or services from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a letter from Debt Collector Midland Credit Management , Inc several years ago and in response within 30 days requested validation of the debt. Midland Credit Management, INC has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until Midland Credit Management provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it violates the FDCPA and is time barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
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 information incorrect

Complaint:
On my Transunion credit report it is saying that the balance on my XXXX by XXXX XXXX credit card is XXXX $ and this is false. The balance is XXXX dollars. When the account closed on XX/XX/2022 the balance was XXXX dollars and the balance is still XXXX dollars. 
Kindly update account balance on my XXXX by XXXX XXXX credit card to XXXX dollars owed

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 2016-08-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received an American Express prepaid rewards card as a rebate for a purchase. When I made the purchase ( through XXXX ) they indicated there would be a rebate ( {$9.00} ), but not that the rebate would be in the form of a card. 

Therefore, no disclosure as to the cards fees or expiration date were made. 

When I received the card I noted an expiration date of XX/XX/XXXX. No worries plenty of time to use the card. 

I went to use the card today. {$0.00} balance. A call to Amer Express was made and the the Rep for Amer Express claimed that this card is not subject to ANY restrictions of fees and that they have charged me a fee each month until the balance was XXXX. 

The Rep pointed out that on the back of the card is a disclosure about the fee. True enough there is a disclosure on the reverse of the card about fees which includes a guarantee that funds never expire contradicting the expiration date on the front of the card. 

I offered to let the matter pass if my card was reimbursed the {$9.00}. Rep refused. 

{$9.00} is not much. But I reason that Amer Express is doing this as a business practice and it yields them XXXX. 

Card # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I used binance.us for a while and now have XXXX dollars stuck because I do not want to consent to binance ( a XXXX company ) to sell/share my biometric face data with third parties. 

I was not informed ahead of time and there is no option to decline and close my account as well as withdraw my funds ( which is currently in cash held on their platform not any digital assets ). This is an overreach for any centralized exchange. They already have more information than my bank and now they want the geometrical scan of my face. What???? Please help as I have contacted them and to no avail to be fair its only been a day though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX, IL XX/XX/XXXX ; XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to XXXX computers from XX/XX/XXXX which I do n't own and that I was contacted in XX/XX/XXXX and refused to pay. I immediately XXXX the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around {$4000.00} from some company that never contacted me prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed a charge on my Citi Cards billing statement that I was unaware of. I called Citi Cards to inquire about the {$180.00} charge. Once on the phone with the representative she explained the charge was for XXXX XXXX. I explained that I was unaware of purchasing the plan and would like to dispute the charges. The representative told me that I needed contact XXXX. I called XXXX the next day due to it being a Sunday. While speaking to a representative of XXXX on XX/XX/XXXX I was told I purchased the program on XX/XX/XXXX. I explained that due to being unaware of having the plan, I had never used their services. I explained I wanted the plan cancelled immediately and I would like to be refunded all of my money from XX/XX/XXXX. The representative stated she was unaware of the method of how I purchased the plan but she would cancel the program that day and I would later be informed regarding the outcome of a total refund. On XX/XX/XXXX I received an email from Citi Cards stating my XXXX XXXX plan would cancel on XX/XX/XXXX. ( why a month later ) Approximately, two weeks later I received a letter in the mail from Citi Cards stating I purchased the plan XX/XX/XXXX ( contrasting dates of purchase ) however I am yet to been shown proof of how or if I'll be refunded for a purchase I did not approve. Also mysteriously, now that I have cancelled the plan, I just received my monthly credit card bill and my monthly bill has not decreased as I expected. My bill is the same amount it was last month. ( {$430.00} )

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