BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXXXXXX My phone number is 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 2020-12-14
Company: ENCORE CAPITAL GROUP INC.
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 reached out to Midland since XXXX XXXX, 2020 in regards to an account on my credit report. When I call they inform me my account has been placed with XXXX  and their webpage says this as well. I called XXXX and emailed and was told they do not have the account that it was sent back to Midland and directed to contact Midland. Midland still shows it is with XXXX  and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. 
I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at XXXX daily until I can receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent XXXX XXXX XXXX collection a dispute letter on XX/XX/2018 asking for validation of a debt they claim I owe. it's been 3 months I haven't received any response. I sent the letter via certified mail, I have tracking number that prove that the letter was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: ID
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 am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was the culprit, paid over {$1800.00} in cancellation fees and charged {$270.00} additionally for free useless phone ( motos ) which was automatically charged onto my credit card. Then they even place me into collection, I contacted them several times regarding this, the very last call they told me to pay additional {$7.00} processing fee that would resolves this issue, apparently this is fraud tactic that they use to start collecting in increments and charging my credit card. As of today, they done nothing to help resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Approved for Chase XXXX Credit Card. At the time of application promotional materials said they gave a free night after every cardmember anniversary to any XXXX  property. Recently I recieved a letter form chase that effective XX/XX/XXXX that free night is limited to XXXX XXXX with point redemption values of <=40k. My card was opened in Late XX/XX/XXXX, which means that my anniversary will not be until late XX/XX/XXXX. that means that I will not qualify for an unrestricted free night, only for the 'limited free night '. This sudden change is unfair, and its rapid change makes their advertising deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a XXXX XXXX  XXXX - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written XXXX XXXX XXXX to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I recently moved to a new address. When I went to pick up my mail from the old address " Choice Recovery '' sent a notice on the XX/XX/2018 regarding an unknown debt. Although I did not receive a right to dispute letter on the XX/XX/XXXX, there is a derogatory mark on my XXXX credit report. This collection agency is in violation of the credit reporting laws and I would like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Two accounts that were previously removed were re-inserted. Initially, the collection agencies did not respond within 31 day period. Therefore, they reported the information again about 3-4 months later.

XXXX XXXX - XXXX XXXX was removed in XX/XX/2017 for {$240.00}.

XXXX - XXXX XXXX XXXX removed in XX/XX/2017 for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Ingo Money, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
dear consumer financial protection bureau so im submitted written online email case report about im having delay problem issues with and check cashing business goes by the name of ingo money inc so the ingo customer has reach out too the business company directly today and has not been unable to solve problem issue between the consumer and the business company directly so i can explain details about the type of problem issues im having with ingo money inc check cashing services so i had deposit check thru ingo money app mobile check deposit thru my smartphone and after i mobile deposit the first check enclose from my smart phone ingo money denied my recent transaction check amount {$8.00} cents into credit into my checking account then after they denied my first check i deposit another check for XXXX cents even amount into my mobile check deposited into my checking app account on yesterday ingo money close my mobile check desposited account without my consent of knowing they did so i can provide ingo money inc telephone number XXXX so now im not able to deposited checks into my ingo money account thru using mobile check from my phone app

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
An ex-spouse of mine forged my name on a Private Consolidation Loan Credit Application agreement with NELNET ( now XXXX XXXX ). I did not authorized the signing of my name on this or any other document. Which although electronically done makes it forgery. It was explained to me that married couples are seen as one except in the case of forgery. 

I've been trying to explain this to NELNET / XXXX XXXX for years. However, they will not listen or do anything about it. 

Furthermore, a check from XXXX  in the amount of {$12000.00} I never received was cashed by drivers license XXXX. My GA drivers license number is XXXX. I never authorized or knew about it until it was too late. 

As For XXXX, I called them to file a complaint of forgery regarding my name but had no account information regarding these loans there, they were unable to find any information regarding the account ( s ). I never authorized my ex-spouse to borrow money using my name or to sign my name only anything from this company either. 

In reference to me attend school, I was using the GA Hope Scholarship to attend school the time all of this was going on. Therefore, I didn't realize this was happening until it was too late. Now I've got a horrible company like XXXX XXXX to deal with. 

Also, the company NELNET ( XXXX XXXX ) also practiced predatory lending in that they also combined my income with my ex-spouses in to qualify my social for the loan but gave her no responsibility for the loan, leaving it all in my name.

For this reason, and being unfair in a crucial situation, I would not recommend that anyone ever get involved with XXXX XXXX.

In closing, I pay well over {$900.00} of child support each {$840.00} + {$100.00} ordered to pay back in arrearages. I can not afford to pay back school money that I never and was not used for my benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
CapitalOne Bank is refusing to honor the terms and conditions as set forth in their advertisement for a {$500.00} account opening bonus. Here are the offer terms, as obtained from CapitalOne 's website : Open a XXXX XXXX XXXX and you could earn a {$500.00} bonus. 

Open your account and deposit at least {$50000.00} by XX/XX/XXXX, using promo code XXXX to earn an exclusive {$500.00} bonus. Plus, you'll earn 2.00 % Annual Percentage XXXX ( XXXX ) on balances of {$10000.00} or more. See details below. 

Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. 

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 

The relevant portion of the timeline is detailed below :XX/XX/XXXX : New account opened with XXXX coupon code attached XX/XX/XXXX : Balance reaches $ XXXX through deposits. Note that this is before the XX/XX/XXXX deadline to deposit $ XXXX XX/XX/XXXX : Withdraw $ XXXX from account XX/XX/XXXX : This is 60 days from when the balance has hit $ XXXX, bonus is due XX/XX/XXXX : Called bank customer service line. Representatives confirm that the offer code is attached to the account. Representatives say that there are additional terms and conditions that now suddenly apply that were not on the advertisement and refused to honor original terms of the offer. Different representatives add different terms that don't match the new terms from the other representative. Namely, representative 1 claims that a $ XXXX balance needs to be held for full 60 days. Representative 2 claims that $ XXXX must be deposited within 10 calendar days of opening the account. These two representatives do not even provide the same reason, and more importantly, neither terms are in the original offer text. Of note is that there is no text in the offer that states that the $ XXXX balance must be held for any amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: ProCollect, Inc.
State: TX
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:
On XX/XX/2021 I received a letter dated XX/XX/2021 from XXXX XXXX from XXXX XXXX in fact stating that there is no record that they show that I owe an alleged debt to said company. Procollect which is the third party debt collector is reporting on behalf of XXXX XXXX a negative account on my consumer credit report. All documents that have been sent to both parties are included in this compliant.

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 2020-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX  XXXX My phone number is 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 2018-12-06
Company: Navient Solutions, LLC.
State: NY
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 been paying on my federal student loans that are serviced through Navient. I have been set up on automatic payments for at least the last 2 years. In XX/XX/2018 I enrolled in a 4 credit course through XXXX County XXXX XXXX as part of an employer requirement for a job promotion. During that time I pay for the course out of pocket and assumed I was paying my student loans as I always have. Months later I realized that my payments were not being withdrawn and was only notified when I received an email stating that my loans were in forebearance, of which I never agreed to. I am not schedule to begin making payments again and realized that I have accrued additional interest due to the loans being in forbearance that I had never authorized in the first place. I find the tactics used by the company to be misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase at Home Depot for {$27.00} and paid this bill in full with a check for the full amount dated XX/XX/19. They did not receive the payment until XX/XX/XXXX ( they allege it was due on XX/XX/XXXX ) and charged me two fees one on XX/XX/XXXX for {$29.00} and then they charged another fee on XX/XX/XXXX for {$31.00}. I called and spoke to an automated system which " waived the fee '' and this never happened. XXXX # XXXX was a " supervisor '' who admitted that their fees were atrocious and she literally did nothing to help me. There is no rhyme or reason when it comes to the fees assessed. I didn't even receive this bill until XX/XX/XXXX because of the holiday and they did not care. They forced me to pay the fees and I find this to be criminal. This is the worst customer service I have ever dealt with in my 64 years doing business in America. Supervisor XXXX # XXXX even admitted that she has waived fees in the past and refused to help me in any way. I closed my card after being bullied, badgered and disrespected into paying this absurd and overtly aggressive late charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02
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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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 XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXXXXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2018-06-10
Company: EQUIFAX, INC.
State: MD
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:
When requesting my credit score from XXXX, I made it through the XXXX and XXXX reports fine using my PII, but when I answered the system-generated questions from Equifax, I was provided with a different person 's credit report. This includes the other person 's name, address ( current and previous ), credit history, last 4 of  social security number. I am unable to access my actual Equifax report on XXXX since the site appears to consider my once-every-12-month request fulfilled, though I still do not have *my* report from Equifax. 

I am concerned that the Equifax credit request site allows unintentional distribution of someone else 's information, and that there are no systematic checks in place to ensure this does not happen. I submitted a complaint through XXXX, but in order to submit a dispute/indicate that I am concerned about fraud/incorrect reporting, I am required by Equifax to enter a significant amount of personal information. Considering Equifax 's recent history with data breaches - and apparent ongoing inability to restrict access to an individual 's data - I will not be entering any information in that web portal. See attachment for a screenshot of the Equifax page to submit a dispute, requiring Date of Birth, full Social Security Number, Name, current address, and email address.

Company response to consumer: Closed with explanation