BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging to me

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 2015-11-24
Company: ENCORE CAPITAL GROUP INC.
State: WA
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 issued me a refund check in the amount of {$1000.00} on XXXX XXXX, 2015. This check was deposited by me on XXXX XXXX, 2015. However, this check was voided on XXXX XXXX, 2015 by Midland Credit Management because it was supposed to be issued to my father, XXXX XXXX, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on XXXX XXXX, 2015 and was told a refund check will be issued within four to six weeks to my father, XXXX XXXX, and will be mailed to his address within that time. However, it is now XXXX XXXX, 2015 and six weeks from XXXX XXXX would be XXXX XXXX. Further, I spoke to a customer service representative on XXXX XXXX, 2015 and was told that the refund was issued on XXXX XXXX, 2015 to the card that the original payment was made to Midland Credit. However, this card has since been closed and no further information from Midland has been provided. In addition, the customer service representative hung up on me after placing me on hold. 

This is the second complaint I have initiated through the CFPB and the first was successful in that Midland Credit Management finally issued a refund check for the full amount that was paid to stop any further collection activity for a credit card that was deemed opened fraudulently by XXXX XXXX XXXX. However, my correspondences to Midland Credit Management alone could were only ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: Early Warning Services, LLC
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:
I had a checking account with XXXX XXXX in 2020 that was hacked and charged for purchases from XXXX that I didn't authorize. I called XXXX XXXX customer service as soon as i noticed the discrepancy and they closed my account, and opened a new account with a new account # for my account safety had been compromised. XXXX XXXX is currently reporting their action as a fraud alert/account abuse on Early Warning. They have 5 ACH transactions listed as evidence of said account abuse that are not accurate or true. I recognize the ACH transactions as deposits from Florida DEO/unemployment for wages they had owed and paid me. On XX/XX/2020 a ACH for {$110.00} reported by XXXX shows a payment stopped twice and I don't know exactly what the transaction is or why it is considered Account Abuse? There are 4 other transactions listed, 3 from XXXX and 1 from XXXX  XXXX XXXX XXXX XXXX, in which are deposits made from Florida DEO for unemployment wages owed to me. None of these transactions are fraudulent or attempted fraud, and Ive went to XXXX XXXX on 3 different occasions and spoke with the branch manager in XXXX, Florida. She called someone and I was told that it would be taken care of within 7-10 days. XXXX XXXX has stated a Principle Loss of {$610.00} and Fee Reversal {$140.00}, of which neither are correct or accurate. One ACH on XX/XX/2020 {$250.00} is after the account was closed on XX/XX/2020 which means they may owe me money and a huge explanation because none of this info makes any sense. Ive requested that Early Warnings challenge or dispute this info reported by XXXX XXXX and to date this incorrect or false information is still on my report. Ive received a updated early warnings report, and this info is showing up. I take pride in my financial credit standing, and I hadn't had a checking account in ten years prior to this XXXX XXXX account. So they are the only institution on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I paid off my credit card with American Express. It was a check for {$6000.00}. They cashed the check, but failed to payoff my account. I have a copy of the check they cashed on XXXX/XXXX/16 which was drawn off of XXXX XXXX XXXX. Check number XXXX. Please fix this as I 've contacted American Express numerous times and have gotten no help. At one point they mentioned doing an investigation which would take 30 days. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This doesn't have a place with me with these specialists/leasers. I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Asset Management Outsourcing, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 XXXXXXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}

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 2022-11-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Lionstone Holdings Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has been leaving me threatening messages, stating they will be coming to my home to give me papers. They have also contacted my daughter, who is emotionally unstable, questioning her for information about me and asking her to verify my social security number. They have also told her that I need to be home on XXXX XXXX because they will be bring me paperwork that I need to sign for. This scared her! I can not begin to tell you how upsetting this is to her. I have never received anything in the mail and have no idea what this company wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Google Compare Credit Cards Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have tried to get support beyond the XXXX help desk because I'm getting the same answer. They are refusing to do so. And any escalation requests are being closed out. 

I was scammed through an XXXX contract and have tried to get my account unlocked but being told that I have to remove the chargeback from the scammers cards ( they are not my cards and are not on the Google pay account any more ) I took a contract through XXXX for a XXXX XXXX to test an app 's micro transactions. After completing the test the cards were removed from my account. Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scam ) I tried to contact the developer but my previous conversation was removed by XXXX. After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 EXPERIAN 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 non-monetary relief
Consumer complaint received 2015-07-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't have a record of this record that always had a place with me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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 XXXX Account # XXXX, Account # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XX/XX/XXXX, I received an update via report # XXXX through my email. I could n't access the dispute results so I phoned Experian at XXXX ( call lasted 27m and 53s ). An Experian rep stated that " XXXX stated that the account will remain on my credit report. '' I asked the rep if XXXX sent proof to validating the charges and its correct status. The rep stated that XXXX did not. I informed the rep that Experian was allowing inaccurate information to remain on my credit report after I 've disputed this twice already. I already filed a claim with the BBB and the CFPB to report Experian for violating the FCRA. The account shouldve been removed long during my first dispute because the information reported was false information. This was initially disputed on XX/XX/XXXX. Experian is also guilty of failing to properly investigate the inaccuracies and re-aging the date in which the " report '' was made by XXXX. I filed a complaint # XXXX against Experian on XX/XX/XXXXfor failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy or it 's current status. On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian.

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 2022-11-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : 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 2022-11-01
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$25000.00} ), Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Lionstone Holdings Group
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received repeated phone calls with a man using the name of " XXXX XXXX ( spelling? ) '' ( private number ) stating that he will be at my location for me to sign legal documents and that he has placed he on his schedule. He also further states that he has my social security number. This morning, at exactly XXXX XXXX CST he called again ( private number ) to both of my cell phone numbers with the same message verbatim has before. Towards the end of the message he directs me to call : XXXX. I called this number and it just rang and rang until it either went to a unnamed voice mail or a lady picked up. I spoke with this lady and gave her as little information as possible. I repeatedly asked her what the name of her company was until after several attemps she finally told me she worked for " XXXX XXXX XXXX ( spelling? ) '' and kept asking me for my social security number but I refused to give it to her. Through several minutes of repeated attempts I only gave her my name, and she told me I have an outstanding balance from XXXX for {$1000.00}. I asked her if I could speak to the original creditor or verify this debt before continuing and she ignored my request and repeated said that they are going to find me at my residence and take legal action. She kept asking me if I was to make an offer probably XXXX times and would not listen to anything I had to say. She would only ask what my offer was or that her supervisor will issue someone to collect the debt and/or issue legal documents to be on their behalf. I asked for them to mail me whatever paperwork or documentation of this debt and they refused and said at this point they will only be able to obtain this debt by personal contact. 

Furthermore, it appears that this call are " robo calls '' since the call I receive from them is the same thing verbatim as the last calls were.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation