BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This information is not listed on my credit report. On XX/XX/XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called Calvary SPV1 DBA XXXX XXXX XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for XXXX XXXX XXXX. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with Rashaun again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and  transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/. On XX/XX/ at XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
Offer Bonus trap. Unfair Membership Reward Points deduction from American Express Company!!! 
It used to be a good company for American Express but not anymore. Here is the story. I have XXXX American Express XXXX XXXX XXXX Card which was applied on XXXX/XXXX/2016 due to a promotion offer to get XXXX Membership Reward points after spending {$3000.00} within 3 months. I quickly fulfilled the spending requirement by using the card a lot ( spent about $ XXXX in purchasing items within the promotion period ). So obviously I hit the line quickly and gained the bonus. However on XXXX/XXXX/2016 ( after 3 months ) I noticed that there was a deduction activity happened on my Reward Account that removed XXXX points silently without my attention. I was very confused where this activity came from and thought it was a fraud. So I quickly called the Amex customer service and tried to find out what happened. Surprisingly I was told that it was a decision from Amex after an internal review which I was n't aware of. I asked the reason why there was a review and the customer service explained that there was XXXX transaction on my account that was not qualified to get the bonus points and after the recalculation they decided to remove XXXX bonus points ( it is supposed to be XXXX points, please do a careful review also!! ) since I did n't hit the {$3000.00} threshold from their calculation. I explained it is supposed to be a mistake ( A big mistake )!!! I spent $ XXXX by using the card. The ineligible transaction was only about {$2500.00}. Even excluding that transaction I still should meet the spending requirement. So I further requested the customer service to review my account again since there is a question on the review. However I was told that they could n't help. The review is not allowed to be reopened since it has been done already even there is a mistake on it!!! What a stupid excuse it is!!! I just lost XXXX points because of a careless review which is unable to be fixed? That sounds NOT right to a premium customer and it is not a good service that a financial company is supposed to be having. I am paying {$470.00} premium a year for the product but could n't get any good quality services?? What a joke! The experience I had is totally a market phishing. I am feeling I am cheated and once you cheated your customer and do n't expect the trust anymore from them. I will quit and please do the right things at least and give my points back!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2021-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a Bank of America credit card that I've used since XX/XX/2018. The very first things I do when I get a credit card is setup the online account access and setup recurring automatic payments from my checking account. I did the same for this Bank of America credit card. I had automatic recurring payments to pay my full statement balance. I used the credit card in XXXX for a small charge of {$40.00}. I don't check my online account because since the very beginning it has been setup to pay the full statement balance. Two months later, in XXXX I check my credit score and it seemed to drop over 50 points from two different credit bureaus. I log on and there was XXXX missed payment from Bank of America. It was that {$40.00} charge. 

I immediately log onto the Bank of America XXXX and pay the bill and call customer service to explain what happened. Bank of America flagged my account and rerouted the call to the collections department, even though I had already payed the bill on the app. He wasn't able to help and he redirected me to a different department to file a compliant. It turns out that the complaint is just to complain and give feedback, not to actually file a resolution. This wasn't helpful at all for me. This person shared with me that the reason why this missed payment occurred was because I hadn't used my credit card in a while and due to that, the automatic payments could've failed. This person transferred me to another person who also couldn't help and then ultimately transferred me to someone else who helped me file a ''Credit Bureau Dispute ''. My case number with Bank of America is XXXX. This person assured me that due to me looking for my mortgage in the near future and since my credit score dropped over 50 points due to no fault of my own, that someone would reach out to me via phone within 1 week to discuss this matter and find a resolution. I get no phone call and end up calling back customer service and after giving the case number and explaining the situation, they just say that they can't help me and to wait for a letter in the mail and this could take up to one month. This is unacceptable. I have over 15 credit cards and over {$70000.00} in credit available to me by over a dozen financial institutions. Never has any of my automatic payment systems failed with any of them. It's ridiculous that for someone who has utilized the system and done everything correctly with Bank of America, that they have no internal processes in order to fix their errors in this matter. Ive been bounced around different departments like cattle. Absolutely horrific.

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 2022-07-13
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:
On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to experian that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Experian telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. Experian has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.

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 2017-05-28
Company: Colony Brands, 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 disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-28
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX 2017, I contacted PayPal Credit to dispute an unauthorized inquiry on my credit report. On XXXX XXXX 2017 they replied and asked that I provide my birthdate, last four digits of my social security and the date of the inquiry so that they can find the account and request a deletion. On XXXX XXXX  2017, I replied and requested that they delete the inquiry if they did not have enough info to verify the account which proves that I did not apply for their credit services. On XXXX XXXX 2017, they sent me the same letter asking that I provide my social security number and date of birth. I would like this inquiry removed from my account because it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

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 2022-03-19
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter recently from my student loan servicer ( XXXX ) that they were selling my loans to another company who has contracted with AES to service the loans. That action is straight forward enough. My complaint is not why the transfer is happening, but how it is happening. 

1. I was notified not even two weeks before this would happen. 
2. The letter says that I should begin sending my payments to AES immediately after the loan transfer on XX/XX/2022. But there is no indication about how I am to do that. Further more, if you have direct deposit set up, it says that your payments will transfer to the new servicer for 90 days. And then it says you must set up direct deposit with the new servicer by a certain date. But again, how do I do that? And why wouldn't all of that just happen automatically? Why would I have to do anything at all? Asking borrowers to do anything at all in this transfer is wasteful, extremely negligent, and error prone. 

Again, this is negligence in its purest form. The consequences will be heavy for borrowers, both from a time standpoint, a credit profile standpoint, and a financial standpoint. This transfer is not well thought through, and borrowers will pay a heavy price.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am disputing account number XXXX with Midland Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Midland Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My school, XXXX XXXX XXXX of XXXX XXXX, Tx filed for bankruptcy after going to court for an abrupt closure due to mishandling of student funds. Court is in process for the school closure. But due to this I have been left with a loan on my name that I need help clearing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have at {$4000.00} debt with XXXX XXXX that is not mine. I have taken EVERY STEP to have this removed from all 3 bureaus and the only one that refuses to remove it is Transunion. I have asked for the derogatory account that does not belong to me to be verified and validated for over a YEAR and it still has not been done. I only receive a letter that says that the account has been validated and verified but I have never received the evidence that it is mine. I have asked for this with no paperwork or response.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX X  4, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX  Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation  request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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