BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I have a home depot store credit card that I use in the store. I made a few purchases that had a 6 month no interest promotion. Every month I pay more than the minimum payment thinking that the excess would be applied to the promotional purchases. No one told me that I had to pick up a phone and call home depot to let them know that I want my excess payment to be applied to the promotional balance. I have paid more than the minimum payment for over a year and a half and my account was still hit with hundreds of dollars in interest for not paying off the promotional balance within the 6 month period. 
This is a deceptive policy because I have been overpaying my account each month expecting the excess funds to be applied to the promotional purchases to pay the balance down. I realized that my balance kept growing even though I was overpaying. Customer service informed me that I did not call to notify them that I wanted to do the logical thing and apply the extra payment to the expiring promotional balance.

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 2015-07-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Case number : XXXXChrysler Capital. 
Office of the President. 
Chrysler Capital at this time I have not been mailed any paperwork to pay of my car. I would be willing to pay off the car if damages from the repo was deducted. Please send me some paperwork for payoff. I have not been sent any paperwork for payoff. For fear of late night repo chases and repo men calling my friends and family at home and work and the safety of my family and others. I am willing to accept a settlement offer for the payoff of the car. Please send me some paperwork or forward to collections. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is a XXXX XXXX XXXX  reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on experian, XXXX and XXXX wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report immediately.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-08
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning two bankruptcies on my report. These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Southern Credit Adjusters, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I visited the emergency room at XXXX XXXX XXXX XXXX, incurring a bill w/them & the ER " doctor ''. Could 've sued for malpractice. Would have died if I 'd followed doctor 's advice & so walked out. REFUSED to pay the bill. XXXX has sent debt to numerous collectors, all who call, I send letter saying cease/desist, it gets sold to another collection agent. This has gotten OLD. Tonight 's call from Southern Credit Adjusters needs to be the last one. They need to take it off my credit ; it should be illegal for them to pursue me for this debt. Services were NOT rendered because I refused them - if I had accepted them, I '' d be dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Green Square Company LLC.
State: PA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Harassing phone calls about a XXXX loan from 2008 that I never took out. Threatening phone calls at work and on cell phone saying that I will be arrested and prosecuted, or worse. Will not give me address for a debt validation letter, nor a name for their company other than TAG ( Titan Alliance Group ). The call back number is XXXX. The sad thing is that my employer is a XXXX, and that still does n't stop the calls.

Company response to consumer: Closed
Consumer complaint received 2017-01-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They obtained a number for a relative and disclosed all my account information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I had XXXX procedures performed by California XXXX XXXX XXXX XXXX. 

The charge for the first procedure was {$240.00}, which insurance did not cover. 

The second charge was for {$420.00}, for which there was an insurance adjustment of {$340.00}, meaning we had responsibility to pay {$78.00}. 

Between the XXXX procedures, I had a balance of {$320.00}. I paid that balance in full on XX/XX/XXXX via California XXXX XXXX XXXX XXXX XXXX XXXX at cmi.mypatientfolio.com. The confirmation number for my {$320.00} payment is XXXX. 

At that point, we had a {$0.00} balance. We have not subsequently incurred any further balances with California XXXX XXXX XXXX XXXX. In fact, their patient payment portal shows our {$0.00} balance. 

On XX/XX/XXXX, we received notice from a debt collector, CMRE Financial Services, that we still owed {$240.00} for the first procedure on XX/XX/XXXX, plus an additional {$0.00} interest, for a total balance of {$240.00}. 

On XX/XX/XXXX, we contacted California XXXX XXXX XXXX XXXX. They confirmed we had a balance of {$0.00} and said that theyd contact XXXX to have this debt removed from collections. 

On XX/XX/XXXX, we received another notice from CMRE Financial Services informing us they were trying to collect {$78.00} for the second procedure. 

Not realizing wed already paid the {$78.00} balance, we mailed a check ( check # XXXX ) for {$78.00} on XX/XX/XXXX that XXXX cashed XX/XX/XXXX. At that point, XXXX actually owed us the {$78.00} we overpaid. ( XXXX : that balance remains outstanding. ) In XXXX, XXXX contacted me by phone ( I dont have the exact date ) attempting to collect the {$240.00} they said we still owed. XXXX wed already paid, I asked them to verify the debt. 

Yesterday, XX/XX/XXXX, we received a notice from XXXX saying they have reviewed the details and discussed [ my ] dispute with the creditor. They included documentation that shows the original amount of {$240.00}, to which no payments or adjustments have been applied. 

Suffice to say we have ample documentation of everything in this complaint, including bank and credit card statements, a canceled check, Explanation of Benefits letters from the insurance company, screenshots from the XXXX patient payment portal showing when the bills were paid, phone records, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from midland funding still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the XXXX time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. Midland funding collections agency that I an a part of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express Platinum card on XXXX XXXX and was rewarded XXXX Membership Reward points on XXXX XXXX, within the 3 months required to meet spend. On XXXX XXXX I had the points wrongfully removed without any proof of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-23
Company: Medical Data Systems, Inc.
State: SC
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:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2016-02-11
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert from my credit monitoring agency that a collection was placed on my credit report on XXXX XXXX, 2016 by Trans-world collection agency. I never received any notice of my right to dispute the debt. The collection just appeared on my credit reports. I spoke with a Trans-world representative and she gave me a number to fax a letter demanding due process. To date I have not heard from them. Please assist me in removing this negative information from my report and give me time to check with my health insurance about this medical bill of {$55.00}. 
The representative admitted that there she did not see any documentation of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MS
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 sent a letter before as a result of fraud. They did not accurately respond to my dispaute or send verifications that accounts belong 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 2016-03-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I got an offer for XXXX Amex points after spending {$20000.00} in 3 months on the Amex Business Platinum card. A week after receiving the card, Amex replaced the card because there was an issue in their system with the card number. I then met the spending requirement on the new card they sent me. The bonus never posted because of a glitch in their IT system. I opened a case with Amex and I was told I would get the bonus but I still never got it. ( The XXXX points I currently have are from my other amex cards )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Late or Missed Payment ( s ) XXXX Account Number : XXXX XXXX Account Number : XXXX Reason for Dispute : I was never late and believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report. Thank you.

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank 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 2023-11-21
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a signed due bill statement along with a UCC-1 form and a notarized and certified letter to pay the full amount being that I am the lender according to U.S.C and UCC laws XXXX I endorsed the due bill correctly and after speaking to Discover they were unable to confirm that theyve received payment and literature sent by me. I tracked all mail and it was delivered with a signature. They said theyd call me in XXXX hours and have not responded. All mail was sent on XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: Receivables Performance Management, LLC
State: OH
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:
The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Netspend.com sent me a debit in my name to my home address. 

I did n't apply for a debit card from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-10
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've been victim of ID theft. OnLine information services has tried to collect a utility debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
This account was opened fraudulently using my name and SSN. I have informed OnLine Information Services about this as well as opened a report with XXXX XXXX XXXX XXXX and I have provided all the information requested. 
Even though all the requested items were delivered, OnLine Information Services continued collection efforts and affected my credit report and score by reporting the collection with all XXXX  credit bureaus while the investigation still on going. They did that even though they received from me the letter from FTC about the ID Theft and the letter called " Notice to Furnishers of Information : Obligations of Furnishers under the FCRA '' where clearly they are obligated to respond to consumer claim in a timely manner and stop all collection efforts during the investigation is in course, including reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} 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 explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient raised my interest rate significantly on my Signature Student Loan, during a time of financial hardship, making it more difficult to pay down the debt.

Company response to consumer: Closed with explanation