BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: The Bureaus, Inc.
State: UT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from Midland Credit Management on XX/XX/20 about a supposed credit card debit from XXXX XXXX XXXX. The they originally contacted me three months ago, I disputed this, but. when I reached out to them again today they said that their records were correct. 

I have knowledge of ever apply for credit with this bank. I have never received any credit card from them nor have I received any type of statements. I do believe someone opened this account in my name without my knowledge. 

The creditor is XXXX XXXX XXXX XXXX XXXX  and the MCM account number is XXXX. The last digits of the card are XXXX. They told me that I would have to download and fill out a form from you and send it to them. I do not see where I can do that. 

You can reach me at XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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 did not authorize any and all of the listed credit inquiries below, I respectfully ask for all of them to be Deleted from all three of credit reporting agencies. 
XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-02-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
EXPERIAN IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME AND I HAVE SUBMITTED SEVERAL TIMES MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.

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 2020-11-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Best Buy credit card is under my Social Security number XXXX XXXX XXXX finally tried to cancel it to no avail when I realized that they failed to post an {$1100.00} payment to the account and piled ridiculous fees continually. They also lied to me about freezing my account for XXXX months during covid so I lost track of being responsible. In return I believe the ridiculous balance should simply be forgiven off my credit so I can buy things.

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 2020-07-01
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Ive written a letter and called American Express Serve about my sub account. My sub account has been locked and I cant close it or transfer the money to my main account so it can be used. I sent the letter in XXXX and have I not received a response. And Monday on the phone the representative could only tell me to send a letter. They werent able to escalate my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
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: Reporting company used your report improperly

Complaint:
According to my consumer report I received dated XX/XX/2022 I have noticed various areas in the way Equifax is furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. Equifax CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to XXXX XXXX XXXX ( XXXX ). Also XXXX XXXX XXXX ( XXXX ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted Equifax or XXXXXXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX  such authority. 
Equifax 's apparent and constant neglect to properly carry out their job is costing me by ruining my consumer report. This is an attempt to remedy the following listings you have listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with XXXX XXXX. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. XXXX XXXX agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from XXXX XXXX. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with XXXX XXXX and nothing was done. I also filled a dispute with the Attorney General office and they said since XXXX XXXX didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my credit.

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 2022-07-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to have PMI removed from my mortgage. I submitted their form and feel I meet all their criteria tor PMI removal they have listed. I sent in the {$150.00} check for the appraisal fee. PHH cashed my check on XX/XX/XXXX and I have yet to have been contacted by an appraiser. I have contacted PHH by phone and have escalated the matter. First call was in XXXX or early XXXX, I waited a bit before the next call. It was in middle to late XXXX. First escalation call was XX/XX/XXXX and I was told to wait 7 days. Today I called ( XX/XX/XXXX ) and was told of no notable progress and that I should wait another seven days. Each time I am informed that they are passing this along to someone else. Each month I am stuck paying this and they dont seem willing to schedule an appraiser to come out. I have escalated as far as I can through their system and they still just told me to sit and wait another 7 days for a call. Unfair business practice to cash my check and not send an appraiser out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I recently made an XXXX sale of {$65.00} to a buyer with a US shipping address. However, when I checked the associated PayPal transaction, I found that PayPal had charged a non-US fee rate of 4.4 % + {$0.00} instead of the US fee rate of 2.9 % + {$0.00}. The buyer had a verified US address but was allowed to use a non-US PayPal account. This situation is unacceptable because sellers have no way of assessing their net earnings if PayPal 's fee is undetermined at the time of purchase. There was no advance notice of the seller using a non-US account, so I could not have anticipated the non-US fee rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im contacting you because I ordered a XXXX XXXX XXXX on XX/XX/XXXX Order Date XXXX Order Number On this date I cancelled the order XX/XX/XXXX Cancellation Date After several months of reaching XXXX customer services I still have not received a refund of {$1500.00}. Please help me. 
I filed a dispute with Bank of america and they denied my dispute on XX/XX/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 monetary relief
Consumer complaint received 2020-06-22
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently from a previous address. They are collecting and damaging my credit for an account that isn't mine.

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 2017-09-06
Company: Independent Recovery Resources, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly called and emailed the XXXX XXXX XXXX   that is listed as the original company claiming I owe {$59.00} which I was never alerted to ( nor have I ever been to XXXX XXXX ). I have paid the {$59.00} charge on several separate occasions directly to XXXX XXXX as it continues to show up on my credit report as delinquent by a Company called Independent Recovery Services,  located in XXXX XXXX XXXX, XXXX, NY XXXX. XXXX. After receiving each duplicate payment, the XXXX company continues to assure me that they will have this collection company correct the error on my credit report, and remove all history of it. However since it first was reported on my report in XX/XX/2014, it continues to update monthly as delinquent and wreck havoc on my credit score. This is extortion either by the company or the hospital to continue to make me pay the same bill over and over again just to have it removed from my credit report. What 's more, is it is costing me extremely higher interest rates and encroaching on my ability to get a mortgage, a cost in the thousands. This is illegal, harassing, extortion and fraud and I would appreciate if you could help put an end to this illegal and dishonest business practices, which are clearly being used to force the customers into paying for the same bill over and over again trying to clear their credit report.

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 2017-09-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never had or agreed to an acct ending XXXX showing on my credit report. All balances were paid to them on another account and this is in error. Unless they can show paperwork where I agreed to this then they need to remove the {$150.00} immediately. I have documentation if needed

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 2020-06-22
Company: National Collection Systems, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
018. National Credit Managemnt National Credit has not removed there collection from my report since the amount is {$0.00} payment. They refuse to do anything with this item on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank handles several store credit cards, XXXX,  XXXX, XXXX, and others. In a review of my accounts I find that I do not receive the advertised purchase discounts on my purchases. Example ; on my XXXX store card I am to receive a 5 % credit on all purchases, however a review of the account shows XXXX of dollars of purchases so far this year with no credits at all. Over the years I have used this card this has resulted in several hundred dollars of rewards that were never posted or received. This seems to be more than just an accounting error and perhaps should warrant an investigation to determine how far reaching this practice has gone and for how long.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up. I have not been able to get help from them for months. they locked my money in my account for months that i bet they are colecting intrest from! My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Bluebird prepaid debit card that I never requested or applied for. The customer service phone number for Bluebird does not allow me to speak with a live person without activating the card. I do not want to activate the card. I am concerned that my identity has been compromised. I have placed a fraud alert on my credit report, but need to get this account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  CA XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 2022-02-15
Company: EQUIFAX, INC.
State: IL
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:
XXXX is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by XXXX also a copy of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Hi there, My name is XXXX XXXX. On my credit report it shows that I do own credit card from Chase bank which is incorrect due the fact that I never open teen or have a chase bank account, clearly he seems like someone else using my identity to obtain a credit card under my name, therefore I 'm writing to agency today to decline any responsibilities regarding this matter, also asking your agency to assist me to identify who is the person that is using my name and releasing me from any responsibility related to this matter, your maximum cooperation much appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/XXXX ... XXXX ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
I have reached out to XXXX  to ask to remove the loan for a car loan from Santander Comsumer u in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody

Company response to consumer: Closed with non-monetary relief