BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency garnished my wages in XXXX. The original debt was about {$2400.00}. Every two weeks my employer takes {$480.00} from my paycheck. They have never sent me a statement until I asked on XX/XX/XXXX. After review it appeared they are taking about XXXX  % in " fees '' payable to them. I've asked three times for an accounting of how and where my payments were applied. They offered to reduce my remaining balance by half but still won't provide an itemized accounting. Also, they are charging me duplicate fees for various items such as " garnishment fees ( 4 times ), " small claims fees ( 3 times ), and man other repeat fees. The last fee on the statement is {$15.00} for Notary Fee and added to my account on XX/XX/XXXX. Their failure to provide an accounting, and offer to reduce my remaining debt by XXXX  % tells me something is not right. They've been in business since XXXX. I have their emails to me if needed. I am attaching a copy of the statement they sent me on XX/XX/XXXX. 

I hope you can help resolve this matter and get them to return the overcharge of fees. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have changed my contact information and Discover card is calling my mother’s telephone number at least three times an hour everyday. They are harassing her. I have submitted contact information but they keep harassing her. I have not lived with my mother in 23 years. They have been doing this since XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 three payments of {$200.00} each were deducted from my checking account but only two of the payments were credited to my account. Unable to get thru by phone I emailed customer service and none of their responses made sense even though I had sent them proof from my bank account that the payments had been made. 

When I finally got thru to some one the phone they puled the proof that I had sent via email and handled the dispute telling me it would take 72 hours and that if I didnt hear back to contact them again. Upon contacting them after 72 hours I was told that a letter would be sent to me and that I would have to wait for that, the letter came today. Nothing on my account at their website, no decision from the person I spoke to, no decision via email. 
As stated in my attached letter their resolution doesn't make any sense as they stated that I requested a transfer from " the account ending in XXXX ''. I don't have an account ending in XXXX and would like that clarified as the insinuation is that they are transferring the payment from one of my accounts to another. This company has no idea what customer service is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for 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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint was my follow up. I need this account FIGURELEND XXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
XXXX : XXXX XXXX Balance : {$49000.00} TRANSUNION XXXX XXXX XXXX Balance : {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Southern Management Systems 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 leased an apartment in XX/XX/XXXX-XX/XX/XXXX. I received a letter from the community that I was being billed for a couch that I had damaged. My mother showed them proof that the couch was not damaged when I left and we told them that we would not pay for it. She showed them the video of my move out and my move out inspection. They said they would not send me to collections. The collection agency they use is Southern Management Systems in  Florida. Now I have had it on my credit report because it was reported on XX/XX/XXXX, and my mother 's and I keep disputing it and they will not take it off my account or hers. While the apartment community is at fault, I do not understand why they keep keeping this false information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I ask for my money back he was fake person and he played me right off the back they don't answer the phone I want my money back

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 2018-04-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Experian credit reporting will not let me cancel my account. They have all kinds of ways to easily sign up for their services. They miss lead you with free credit report than the will automatically start monthly billing with disclaimers stating you can " Cancel at anytime '' They make it seem like it is just as easy to cancel. After months of billing my account they raised the rates. I have now spent hours on the phone trying to get someone to cancel my account. I have searched the web to see if any one else has a easier solution to cancel. Everyone I come across says they are waiting for over an hour on hold. I have done this and when someone picks up they hang up the phone. I am so frustrated with Experian. I THOUGHT THEY ARE THEIR TO PROTECT US HONEST PEOPLE. I am filing this complaint to hope someone forces them to change their company policies.

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 2018-09-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for and received a Wells Fargo credit card earlier this year. The credit card and statements have been coming to my correct address. 

Today I wanted to cash in the XXXX bonus and about 21.00 in cash back so I called the number on the back of the card. I was hung up on 4 times at various times after being on hold, while speaking with a rep. I finally got somebody who didn't hang up, and the rep confirmed my identity by asking several questions including my address. 

The rep transferred me to the rewards department. The rep in the rewards department asked me questions to verify my identity, including my address. But, she said she had a different out-of-state address, so she transferred me to 'banking ' which again had me on hold for a while before a rep answered. 

The banking rep also asked me for my address, and she had my correct address. She said she didn't know why the rewards dept had another address, but assured me that she had fixed the problem, and transferred me back to rewards again- so I was on hold for a while yet again. 

The new rewards rep asked me to confirm my address - but he still had the same wrong address.

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 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both TransUnion and XXXX  and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.

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 2018-03-07
Company: Weinberg Mediation Group LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have four voicemails from the company Weinberg Mediation GroupXXXX company stating that I will be sued if I dont pay my credit card. Which that part is true but I never received in the mail a validation of debt from them and yet they dont want to send me one because they say theyre a green company but shouldnt have I got a letter in mail legally. They have my social address and personal information and even call my mom as well. I just need this company to verify my validation of debt. It also bothers me because they have many bad reviews and seem like scammers all I want is a mailed letter not emailed bacause they sent me a validation letter through email and it also came up as spam. The company is Weinberg mediation group or XXXX as well adresss is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Toll Free : XXXX - Fax Line : XXXX Web : www.weinbergmediationgroup.com Email : XXXX I spoke with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XXXX of 2020 My wallet was stolen. I had State ID and Social Security with {$40.00} dollars in it. I filed a police report and set up an alert for credit monitoring. I have been trying to get in contact with someone in that office to help me verify my Identity and keep getting the run around. I never established I PIN for a freeze and I keep requesting user ID and Password reset and I am not getting any emails with instructions to do so. I recently been aged medical coverage under my mom and have to apply myself. But I can complete the process without verifying my Identity. I was given a number to call from XXXX XXXX to verify my Identity and when I called they said they couldn't help me and asked that I call customer service. ( Which I thought thats who I was talking to. ) Now here I am 3mths later still trying to find out what went wrong and how can I fix this so I dont have a problem applying for anything. Note : I have my new state ID and my social security card with the same number and was told by social security office that I needed to get in contact with experian with the problem Im having. 
Please help me fix this problem

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 2023-03-08
Company: Experian Information Solutions Inc.
State: SC
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:
I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. Please send me copies If you can not find any of the info above immediately remove this account from my credit report. 

FACT 1 : There exist no PAPERWORK or DOCUMENTS that XXXX XXXX gave me FULL DISCLOSURE on how CREDIT was created with MY SIGNATURE! I believe NONE EXIST!! 
FACT 2 : I was also not told that I had 30 DAYS to VALIDATE THE DEBT! 
Fact 3 : I want to see the ACCOUNTING LEDGER should show what I owe you. You should be able to show how you lended me the money before giving me the money. 
After 30 days they ASSUME THE DEBT IS VALID! Because they know after 30 days they ASSUME THE DEBT IS VALID and they start collecting on it! Was this DISCLOSED TO YOU? No it was not thats another fact!!! 
DEBT COLLECTION is more than just COLLECTION ACCOUNTS and CHARGE OFFS! Its the account thats OPEN RIGHT NOW, its still a DEBT! Remember they are ASKING FOR MONEY to pay a DEBT, then it still applies! 
FACT 3 : I believe that there is no DOCUMENTATION from XXXX XXXX and I BELIEVE NON EXIST! 
You have 15 days to RESPOND to my original contract with my wet signature!

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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.

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 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 2020-01-29
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank/BestBuy has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed.

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 2022-08-17
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:
In accordance with the Fair Credit Reporting Act my rights have been violated. According to 15 USC 1681 Section 602 A I have the right to privacy. Also 15 USC 1681 Section 604 A Section states a consumer reporting agency can not furnish a account without my written instructions. 
Also 15 USC 1666BA states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My federally protected rights have been violated I have disputed with these credit bureaus in Total of 3 times and each time these accounts are still being inaccurately reported. This has been exhausting both mentally and physically.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: GA
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 have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA

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