BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later. 

Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX. 

Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely. 

From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
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: 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  ACCOUNT # XXXX OPENED XXXX LIMIT {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXX LIMIT {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX LIMIT {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$6000.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$710.00} XXXXXXXX XXXX XXXX # XXXX OPENED XXXX LIMIT {$700.00} XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$500.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is past the statute and should NOT be listed on my personal credit file Experian XXXX XXXX XXXX # XXXX please remove

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 2017-04-11
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.

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 2017-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: NY
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:
The issue in XXXX XXXX  was : Equifax in reports XXXX, XXXX and XXXX stated on XXXX/XXXX/21, XX/XX/21 and XXXX/XXXX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XXXX/XXXX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... In XXXX XXXX XXXX XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. The specific item name and account numbers are in the attached Equifax XXXXXX/XX/21 and XX/XX/21 confirmation # XXXX XXXX and XXXX. Equifax responded to XXXX on XXXXXX/XX/21 ... A letter outlining our findings was mailed to the address on file...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX2021 ( Reported Identity Theft ) 5. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX XXXX XXXX2021 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 cash advances

Complaint:
Capital one changed my purchases to cash advances over {$2000.00} when my cash advance limit is only {$400.00}. 00. I contacted them about errors and fees and interest incorrectly applied. They refused to correct the issue. They wouldn't let me pay my cash advance actually taken out {$400.00}. They said the entire credit limit was listed as cash advance and charged accordingly on statements, fees charges including. They denied consolidation of all cards accounts to get one bill, one interest rate. Now they have brought a suit against me to garnish my XXXX and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I was offered a free sample if I paid only the shipping charges. I accepted this and later was charged XXXX charges on my credit card in the amount of {$89.00} on XX/XX/XXXX and {$87.00}. I called to dispute these XXXX charges on XX/XX/XXXX and was told that they would be removed/reversed. They were put back on XX/XX/XXXX and XXXX/CITI Corp has been very uncooperative in removing them. When I call the XXXX number I get someone with a heavy accent and They seem to be in cahoots with the ones adding the charges.

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 monetary relief
Consumer complaint received 2015-09-17
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the months of XXXX 2021 I'd made arrangements to pay off my vehicle in full. Credit Acceptance Made an arrangement for me to pay off my vehicle loan in full on XX/XX/2021 which negated my payment for XX/XX/2021. The entire balance was paid on XX/XX/2021 and the account was paid off XXXX months early. That said, during the month of XX/XX/2021 Credit Acceptance reported me to all XXXX credit reporting agencies for being over 30 days late in spite of the payment arrangement promised. Their actions caused my credit score to drop tremendously. Several attempts have been made in order to rectify this issue but Credit Acceptance refuse to correct their mistake. Therefore, I request your assistance in correcting this issue. 

Respectfully, 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 2016-08-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
Citibank sent me a prequalified offer for XXXX AAdvantage miles if I meet the minimum spend, despite previously opening an XXXX card with them a year ago. There was no 24 month language in the prequalified offer, so I applied and was approved. I requested them to honor a different targeted mailer they also sent me invitation # XXXX, they also refuse to honor that. 

Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.

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 2016-11-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently was approved for American Express Credit Card for my business. I received it and activated the card but when i attempted to use it, it kept declining. I contacted Amex as to what is going on and they stated it was due to my " Personal Account '' which i have never had with amex. I kept asking them to verify the information on the account and come to find out Amex has linked my twin brothers delinquent account XXXX XXXX to my account. Yes we are brothers but i 'm not responsible for his debts. I asked them how this could have happened and they could n't explain to me anything other than stating that it was my account, i told them no it 's not my account. I had asked them to confirm the address, social and my business phone number. They claimed this issue to delink the accounts is on the " vice presidents desk '' to have the accounts delinked and that would take 48 hours which was 2 weeks ago. I kept on calling to get this resolved but it has not been resolved. I just want them to delink my account from my brothers account, he is a grow XXXX year old man and is responsible for his debts and i should not have to be punished for someone else debts. I want to make sure this is not being reported to my credit and i want this fixed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been asking for months for Amex to provide me with validation of a closed account they show on my credit report. They state that this account was opened on XXXX XXXX XXXX and was closed on XXXX XXXX XXXX with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended a public university and used a private student loan to pay part of my tuition. University Accounting Service, LLC ( " UAS '' ) serviced this loan. A few months ago, I consolidated this loan through XXXX to take advantage of a lower rate. When I consolidated, I overpaid UAS by {$340.00}. I emailed UAS requesting a refund and they replied that they would refund the excess amount in 60 days. After 60 days passed I followed up by email and they responded by asking me to call. When I called, they said that they do not issue refunds and that they will keep my money. I believe they are holding money that is rightfully mine. My statement reflects a negative balance. They acknowledged previously that I am entitled to a refund and I can not understand why they are refusing to give me back money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit has been used after XX/XX/2012, and I have been out of the country and there has been OUSTANDING CREDIT CARDS WITH NO PAYMENTS. I WANT TO PRESS CHARGES

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 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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 2016-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In my most recent Experian Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Experian to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

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