BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: AMERISAVE MORTGAGE CORPORATION
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began my application process for a new mortgage with Amerisave but was really disappointed with the service I received. My contact there was unprofessional, frequently mixing up my information with another customers, calling me from his cell phone without telling me his NMLS ID, and just generally being sloppy. I discussed with Amerisave that I wanted to move my application elsewhere, and they agreed to refund me my {$500.00} application deposit. I have spent the past 6 weeks trying to get that refund and my emails have been consistently ignored. I have tried escalating this over the phone and they keep promising that they will refund me, but never do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXX I went to increase the card 's limit to {$2500.00} ( Hard inquiry to TransUnion ). 

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to correct this information. 

XXXX and TransUnion promptly confirmed the original opening date and corrected it within their credit reports. Although TransUnion seems to have reverted the correction in the very next report. I am unsure if XXXX has adhered to their correction. 

Now here 's the beef. When I went to file a dispute with XXXX on XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. XXXX, XXXX, and TransUnion have received disputes from me regarding the matter. XXXX and TransUnion seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and XXXX has " Verified '' irrelevant information after two separate disputes were filed. 

I did some digging about XXXX 's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.

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 2020-02-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2019 : I filled out an application with Navient to change my repayment plan to the Pay As You Earn ( PAYE ) plan. My application was denied six times, each time due to the fault of Navient 's employees because they provided incorrect information about the process and the required information from me. 

Their incompetence and negligence would have cost me over {$600.00} per month had I not continued to pursue this issue. Each time I filled out the forms, they were rejected with little feedback from Navient. After each rejection, I called their customer service and was given inconsistent instructions which were completely different from the last set I received. 

They are also uninformed and unable to articulate the difference between the repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
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 inquiries. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have paid off my credit card debt with Capital One on XX/XX/XXXX. 
I can show on my bank statement the balance amount being paid to CapitalOne on XXXX XXXX, XXXX. 

CapitalOne online is still not showing my payment as of XX/XX/XXXX and is stating my account is overdue and a payment must be made to avoid late fees. I'm sure CapitalOne will also report a false statement to the credit burea. 

I called and spoke to a person at Capital One by the name XXXX, only name he gave me, on XXXX XXXX, XXXX at XXXX XXXX  PST. 
He gave me no real answer and said to give it a few days. 

This is the first time my deposit has not appeared the next day. I'm afraid it will damage my credit score, I am currently at 100 % at paying my bills on time. I have screenshots and accounts available as proof of my complaint. Also, I would like to close this account now that it is paid off to avoid being charged their annual fee in about 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 on XXXX XXXX XXXX status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : 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 2023-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, I received a letter dated on XX/XX/XXXXXXXX XXXX XXXX from your company indicating that I had requested the credit card, which I never did recently to any credit companies and banks. I would like you to investigate this case number XXXX to protect the safety of your preferred customer and increase the reliability of your company. 

Sincerely,

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-02-06
Company: CITIBANK, N.A.
State: CA
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:
XXXX should be wipe off the reason they arent do well is because of fraud and cheat they do to me and tun of other customer. 
All the purchase I made I return them but for sum XXXX reason I still have balance on my account so I disputed the amount last month but XXXX still charge me late fee and madd my balance paddy due I had to waist my time on the phone numerous time go over the whole explanation and because their represanative put me on hold for so long and after I told them that u put me on hold for too long my phone will get disconnected represanative told me not to worry I will call u back but they never did call me back so today I was on the phone since XXXX XXXX right now is XXXX and I didnt get any result just waist of my time and energy explaining

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 2020-12-25
Company: DISCOVER BANK
State: IA
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:
On XX/XX/20 my husband was scammed by phone. The caller impersonated a local law officer and convinced my husband a family member would be arrested if he did not immediately post bail in the amount of {$6500.00}. Under duress, my husband made three separate purchases of {$500.00} each of XXXX XXXX XXXX XXXX XXXX  with his Discover card which I own at the XXXX IA XXXX XXXX totaling {$1500.00} on XX/XX/20 at XXXX, XXXX, and XXXX. 

About 30 minutes later he purchased five more XXXX XXXX XXXX XXXX XXXX  of {$500.00} each of with his Discover card in a single transaction totaling {$2500.00} at the XXXX XXXX at XXXX. 

Still under duress and still not with substantial funds my husband proceeded to the XXXX IA XXXX and attempted to purchase XXXX XXXX XXXX XXXX XXXX  of {$500.00} and the purchase was declined. 

I received a text from Discover notifying me of the decline allowing me to freeze my credit card - which I promptly did. 

Discover has refused to reverse the charges. 

I told Discover that I have been a customer for over 20 years and that is not normal activity for my card. As such, I should have received a text after the 2nd {$500.00} purchase. If Discover had reacted properly, I would have suffered a scammed debt of {$1000.00} versus over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Ive been a Barclays customer for several years ; this card is one that I no longer even have in my possession. 
A few months ago, when I called Barclays to get an updated card issued, they couldnt even look up my account. 
Then recently, Barclays charged me an annual fee and ended up marking me late when that fee was not paid. 
There has been no activity by me on this card. I had been travelling and did not have access to my mail. 
I had no ideal Barclays was going to put this annual fee on there. 
Upon returning I paid this fee off, but Barclays failed to remove the late payment. 
I was also not sent any notice of adverse reporting as required by law. 
I am requesting Barclays remove the XXXX late arising from this annual fee issue

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 2023-11-27
Company: DISCOVER BANK
State: TX
Product: Credit reporting 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I, XXXX XXXX, started receiving a bunch of calls at first and then they started emailing so I recently sent a letter asking for VALIDATION of debt and they did not send what I asked and said the debt was VERIFIED. I reached out by mail separate occasions and they are not rebutting me correctly I have been in correspondence with RESURGENT RECEIVABLES, LLC through and they send me the same thing which does not Validate a debt they ( Resurgent Receivable, LLC ) claim I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; IXXXX XXXX XXXXXXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Financial Systems is trying to collect a debt from me that I believe to be invalid. I have done research to see if this is a valid debt and there is no evidence that it is a legitimate debt. When I spoke with someone with the company and asked for proof of the debt, I was told that I needed to show them proof that the there isn't a debt.

I also researched Commonwealth Financial Systems and XXXX XXXX XXXX, who is supposedly the " creditor '', and there are tons of reviews on XXXX where people are making similar complaints about both companies. There are also numerous complaints on file with the XXXX. 

Commonwealth Financial Systems has dinged my credit report and my score was lowered by 40 points! As a result, today I submitted disputes with each of the three credit bureaus and I am also putting in a complaint here. I've been diligent about paying my bills and getting my credit in good standing and it is very upsetting to me to have this company come out of nowhere claiming that I need to pay a debt that is over 5 years old AND I haven't received any correspondence until last month! This alleged debt is from XX/XX/2013! I believe this company is not an ethical company and needs to be investigated and stopped from scamming others by holding them at the mercy of their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Auto Credit of Virginia Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I was employed by a company called XXXX XXXX. I worked as a XXXX XXXX  for 3 months prior to quitting. When I left I returned the day afterwards and dropped off all of my uniforms with one of the techs working there. Since I quit, they have claimed I did not return the uniforms, and then they placed a negative collection on my credit claiming I owe them for non returned uniforms, however they placed it on my credit as a car loan. I have never taken a loan out with this company, let alone a car loan. I have made attempts over the years by phone calls and mail for them to validate my debt, and never once have I received anything. All I have ever received from them was threating mail to every address I've had on my credit, and have left threating voicemails on my phone. Every letter is a threat of legal action/garnishment of wages, contact to current employer, friends and family if I don't pay the money owed. They even went as far to put it on my credit twice to show I was delinquent on two auto loans. I have disputed this on my credit time and time again with XXXX and they were able to one of the time remove one of the car loans they placed on here. However recently they did remove it for one month, but then brought it back on my credit as if it was a new account. I reached out to the company again on XX/XX/XXXX due to it still showing on my account, and the fact they keep it open like I have an open account with them. They have it set up, so no matter the time frame it will never fall off my credit. As of this XXXX it has been 7 years since I left that job, and I'm still having problems with them refusing to validate or remove the account from my credit. The most recent time I reached out by email, they didn't even confirm who they were speaking with before they start emailing personal identify account information out. The last email I sent to them was today, after back and forth of them not being able to confirm they received my uniforms, and still refusing to remove it from my credit. I made the official request for them to stop all communications with me, as they have already violated my rights. With filing this complaint I will also be seeking legal advise as they have impacted me finically over the years with the negative marks on my credit for something I do not owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation