BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian reporting agency is reporting a charge off account that belong to my ex-wife. I never gave anyone permission to get any credit under my social security number, XXXX and XXXX. This account appears to have been opened back in XXXX. Amount ( XXXX ) this account is showing XXXX times late and has caused adverse action on my credit report, not allowing to me buy a home. I have made numerous attempts to get this matter resolved, and Experian keeps saying its my fought. I have filed fraud alerts on all my credit reports due to many accounts being opened in my name. During this time period I was very sick and not coherent about my business until early 2019.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 2022-04-27
Company: GOLDMAN SACHS BANK USA
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Monday XXXX of XXXX of XXXX I tried buying airplane tickets for my vacation costing {$1700.00}. This transaction was declined by my Apple Credit Card from Goldman Sachs. They sent me a verification option which I complied with. Proceeded with the purchase again. It then again got declined. I notified Apple. I was advised to keep trying or to use a different method. I decided to keep trying. It then resulted into my account being locked. I couldnt use my card at all. I then called them again to solve this issue. The couldnt solve my issue. To this day I am waiting to be able to pay my bills. I feel penalized for basically nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Ca pital One cl aims I owe a balance of around  XXXX  on account ending in  XXXX , now closed and charged off. The credit limit is or was  XXXX , roughly  XXXX  or more is highly questionable as it brings the balance well over limit. Most of the balance consists of late/over limit fees as well as some fraud charges. I 've attempted to make payment arrangements in the past, before account was charged off. However, the rep  ( s ) I chat ted with would not cooperate, a separate complaint was made in re which was not resolved. Most recently, I attempted to make payment arrangements/discuss a possible settlement amount, however, the dept I call likes to record calls in which case I will not be recorded. They claim the reason for recording calls is to assure quality/training purposes, which is a lie as the dept I call is recovery and they use the recording so to go after the customer in case payments are not met. I 've called the  executive offic e several times, I 've never been advised the call is recorded until I reach recovery dept, proving they only record in case the customer does not meet any agreed upon payment arrangements. Either way, I will not be recorded. A rep I spoke with on around  XXXX , before reaching recovery dept stated they do not accept settlements, which is a shame as again, there are late/over limit fees as well as fraud charges on the account. A settlement agreement would resolve any and all disputed charges such as previously mentioned. Please advis e Capital One tha t first off, I will not speak on any recorded line and second, they need to be willing to accept a settlement amount if they wish to see any payment at all. A letter was received from a  XXXX  in recovery earlier this week, legal action was mentioned such as sending account to an attorney here in Connecticut. Please also advise  Capital One that my private attorney has been notified of the matter as well as fraud charges on account, in case any legal action is taken on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps adding this collection and removing it as they see fit. each time i have them remove it they come back 9 months or so later and add it right back. this is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid 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/2022, a family member requested a balance transfer of {$8000.00} through her bank XXXX XXXX XXXX XXXX ) to be paid on my account. Because the check came on my family member 's name and the account on the check had some digits 'X'ed, Citi Bank couldn't identify the account to apply the payment to, so they sent my family member a letter ( after cashing the check ) asking for the account # to apply the payment to. After faxing the form Citi Bank 's Payment Investigations department sent us several times and calling their customer service several times as well and being promised of follow ups, nothing has really been resolved. Citi Bank is XXXX illegally banking on some money that is not theirs, they're not either retuning the money back to original sender or applying the payment on the account we wrote on the form they provided us.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
I sent out letters to all the 3 credit bureau in XX/XX/2022 to do a complete investigation .I recieved a respond back that they have done a complete investigation and everything is 100 % accurate.

According to the law 15 U.S. Code 1681a The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2023-01-13
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the 2nd complaint I am filing against Mohela because the first complaint did not address my concerns whatsoever. 

Mohela literally said " you have zero payments towards PSLF. '' However, that is not true. They say they are waiting on Federal Student Aid to provide them payment counts ; however, anytime I chat FSA on XXXX the Dept. of Education refers me to Mohela and says only they can provide it. 

There is a back-and-forth between the US dept. of ed and Mohela that is absolutely flawed and detrimentally impacting me. I should have reached loan forgiveness already, and now I am having to wait an untold number of weeks or months to have that loan forgiveness completed, and thus my credit score is impacted. 

I will continue to submit complaints until my payment counts are updated in a timely manner. Timely manner is a matter of days, not months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car in   XXXX  . After purchasing my vehicle through  XXXX   XXXX , I see that ov er 25 inquiries  were processed on my credit report without my authorization. I contacted   XXXX   directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting erroneous information on my credit file.

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 2023-04-30
Company: ACIMA CREDIT, LLC
State: AL
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:
I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite paying off the account in full and having nothing owed, the payment status still reflects as late on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home. 

I would like for the late payment to be updated to " paid as agreed '' on my credit report to reflect the fact that I have fully paid off the account. Furthermore, I respectfully request that you provide me with a statement and payment transaction records that would prove my payment was submitted on time. If you are unable to provide proof or if a proof is lacking the payment being late, I ask that you update my payment history to PAANL ( paid as agreed, never late ) in accordance with the protection laws. 

I urge you to take immediate action to address this issue and to update my credit report accordingly. I am eager to move forward with my plans to purchase a home and rebuild my credit. 

Thank you for your attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Bread Financial Holdings, Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I asked for my account to be closed and for my credit balance to be refunded. My balance was credit of {$38.00}. Comenity sent me two checks, even though I only asked for one. The first check brought my balance to XXXX. Comenity then sent a second check which created a debt on my account of {$38.00}. I received no communication from Comenity that this happened, and because my payment instructions had already been cancelled, no payments were made on this unexpected {$38.00} balance. Comenity has charged multiple late fees and interest on this {$38.00} duplicate check that they sent me, even though it 1 ) was not a purchase, 2 ) was billed to my account after I had requested account closure, and 3 ) was 100 % Comenity 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: FL
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 XXXX XXXX XXXX, I received a Debt Cancellation Notice from AMERICAN EXPRESS COMPANY regarding account XXXX, which pertains to my Amex Green card. I would like to assert my consumer rights : I have the right to withhold the disputed amount, and the creditor is prohibited from trying to collect any part of any required payment I believe is related to the disputed amount, including associated finance charges. 

The creditor is obliged to correct the billing error and credit my account with any disputed amount and related finance charges, as applicable. Furthermore, they must mail or deliver a correction notice to me. 

While the billing error is being resolved, I retain the right to withhold the disputed amount, and the creditor may not attempt to collect any portion of any required payment related to the disputed amount, including related finance charges. 
Additionally, in accordance with 15 U.S. Code 1666d, which addresses the treatment of credit balances, the creditor must take the following actions whenever a credit balance exceeding {$1.00} is created in connection with a consumer credit transaction : A. Credit the amount of the credit balance to my account ( XXXX XXXXXXXX ). 
B. Refund any remaining credit balance upon my request. 
C. Make a good faith effort to refund any remaining amount of the credit balance to me by cash, check, wire transfer, or money order if it remains in the account for more than six months, except in cases where my current location is not known to the creditor and can not be traced through my last known address or telephone number. 
D. Keep account open. 

I intend to communicate with AMERICAN EXPRESS COMPANY promptly to ensure the protection of my rights as a consumer and to address this matter effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: DISCOVER BANK
State: OR
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:
I have been working for months to resolve an incorrect late payment on my credit report. Discover says to dispute it with the credit bureaus, they say Discover needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX an unauthorized {$2.00} charge was made on my mom 's Discover card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. Discover reported this as 2 late payments, 60 days and 30 days. 

My mom called Discover when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

Discover continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that Discover is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and XXXX. XXXX stubbornly refuses to list the account at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called me and the first person I spoke to threatened to kick my XXXX if she ever saw me outside when I asked her to please verify some information. I then asked to speak to a manager and they said they would handle it and forgive the debt based off what the previous lady had said to me but wouldnt give me her name or any information to follow up. Im a veteran its based from a debt XXXX years ago which I disputed because Im covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a dispute against Affirm, regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the Gramm Leach Bliley Act disclosure, as necessary by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Impersonated lawyer as to collect on a debt I have no clue about. sent in debt validation letters that were ignored and returned with continuous calls at work and my personal phone. harassment was throughout the day 7 days a week after letters were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had multiple issues with Navient. I originally had issues attempting to pick a payment plan, and was given different information from each person that I spoke with. I do not believe they helped me make the best decisions based on my situation.     My biggest problem, was in the the fall of   XXXX   my plan was switched. At the time, I was enrolled in the autopay. When the plan was switched I was still enrolled. I had believed the monthly payments were being made. I received a phone call stating that my payment was not made for 3 months and that a report was filed against my credit. I spoke with NAVIENT and they stated I was enrolled in autopay, however, it was not deducting the money from my account. They had to reset the autopay, and it began to take money from my account, however, I still took a huge hit to my credit. They said this could not be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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: Account information incorrect

Complaint:
Received an application for a XXXX credit card-in the mail which I applied for Received a letter dated XXXX XXXX from XXXX-denying the applicationCiting : Serious delinquency, almost past due on all accounts , % of balance to high credit on banking or revolving act, lack of recent bank/national revolving information And a XXXX score of : XXXX I mailed them a letter to XXXX card, XXXX XXXX XXXX, XXXX DE, XXXX. Informing them that none of their information was correct-NO Response in over a month from them or an apology & correction. Then I mailed a letter to you complaint # XXXX-From you that you were unable to contact me through E mail. What is your problem? My account with XXXX : XXXX-has no problems like this in the past saying XXXX mails were unable to deliver to it or were returned You requested a correction of E mail for delivery E-Mail : XXXX Secondary E Mail : XXXX Hope you can resolve this problem of false information being distributed Thanks in advance

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