BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a phone call on my cell from Budget Control Services and did not answer because I was at work. I then received a phone call and voicemail on my recorded work line from the same person, XXXX XXXX, asking me to call back regarding an account. Thinking it was regarding an account that I work with, I called her back from my work number and then she proceeded to tell me about the debt that I owe for {$460.00}. Since the line is recorded, I hung up immediately because I did not want my employer to know my personal business. She then called back my work number twice, and both times I didnt answer. Sometime the week of XX/XX/XXXX she called my cell phone, which I answered, and she said that shes been trying to reach me and I hung up on her. I explained that she was calling my place of employment and to remove the number and never call it again. She proceeded to say that I had called her back from that number so she called it again. I again told her to remove the number and stop calling. She was unprofessional so I hung up again. She then called my husband and threatened to put his name on the account and start credit reporting if he didnt make a payment. He set up one payment with her, which was made on XX/XX/XXXX. On XX/XX/XXXX, the receptionist called me on my work line and said that a XXXX XXXX was asking for me. Irritated because I asked her to stop calling, I said transfer it to my work voicemail, which she did. She then called the receptionist back and said she got my voicemail and that she wanted to talk with me. The receptionist explained that I was either on the phone or in a meeting. XXXX XXXX then proceeded to say she didnt realize she called my place of employment and wound just call my husband for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX of XXXX automatic payments were set up to pay XXXX XXXX XXXX XXXX for 12 months to pay an ambulance bill outstanding for XXXX. Because Im retired and on a fixed income I asked if this amount could be lowered. They agreed but said there would be fees. They sent me the paperwork which I filled out and sent back for a lower payment of XXXX. In XXXX I received a precollection notice stating that my payment hadnt been made. All this time theyd been receiving the initial auto pay of XXXX as the lowered amount hadnt been processed. I called back to find out what happened and a young man looked up my account, apologized and agreed that my new amount had indeed been processed and was now {$51.00}. I modified my auto payments based on this call. Since then Ive received a collection notice and phone call saying I wasnt making payments. I refused to argue with the collector in XXXX of XXXX but then received another collection notice on XXXX XXXX. I called back XXXX XXXX and was told my auto payments had been denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have almost {$6000.00} on my cash apo card I have deposits made and I sold a car and the person sent payment via cash app now my card will not work my money is stuck on my card and nobody will respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, 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:
I have tried on multiple occasions to get the incorrect information that is being reported on my consumer report off. I was a victim of ID theft, I sent police reports, as well as affidavits to the CRA 's however, they refused to block the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian have been charging me XXXX dollars A MONTH for over a year and a half and I never signed up for any of that rubbish.

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 2018-07-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NAVIENT has been incorrectly reporting the original delinquency dates for two ( 2 ) old loans. 

I have contacted them multiple times over the past 2 years, showing them a letter from the Department of Education stating that the reporting period for these loans has expired, the history from the XXXX XXXX XXXX XXXX XXXX showing that their account information is incorrect. The customer service department for NAVIENT even found the original date of delinquency, and provided me with a letter regarding it. Despite this, the NAVIENT credit reporting department ( separate department with no phone support whatsoever ) has still not fixed the problem with the three bureaus. I've disputed the information over 12 times in an attempt to fix the issue. 

Most recent disputes : XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) I sent a  certified letter straight to the NAVIENT credit reporting department on XX/XX/XXXX as a last resort. I received a generic canned message saying that " the information they are reporting is accurate '' despite the information I provided them stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My complaint is about XXXX / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my Transunion Credit Report on XX/XX/2019. Please remove immediately. XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2020-09-01
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX served me for a debt from XXXX bank from 2004. I understsnd i had a balance but i was charged almost {$4000.00} in fraudulent charges from a kiosk cellphone place ( XXXX ). It was a few months later that i realized about these fraudulent charges. I called XXXX bank to inform them and they told me that it was to late to file a claim. Now 16 years later i was served because they are trying to collect over {$22000.00} that i owe. I spoke to Resurgence Legal Group , PC and explained the situation. They filed a dispute for me. Days later they called me back and told me that the bank had validated these charges and sent me paperwork on XX/XX/XXXX. I explained that i have not received anything and they continued to ask how i would like to pay the balance. Today is XX/XX/XXXX and i still have not received any kind of papers validating/verifying these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in ay way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent {$100.00} on Cash App by a family member to pay my light bill at XXXX XXXX on XXXX XXXX. I then had the money scheduled to go to my bill the following day. At XXXX XXXX on XX/XX/2019, I received some notifications on my phone stating that I sent {$20.00} then {$80.00} to a person that I did not know. When I went to look at my account it showed that someone had added their email to my account and sent the money to their Cash App account. When I went to refresh the page to look at the email address they had deleted their account by that time and also removed their email address from my account. I then went to ask for a refund of my money and the app said they were unable to request cash from that person. I also changed my pin number and removed my bank card from the account. After that I contacted the Cash App Support Team at XXXX XXXX on XX/XX/2019 and they contacted me back at XXXX XXXX on XX/XX/2019 and filed a claim. The support team contacted me back and said that they will investigate the claim and that I would hear back from them shortly. After I explained what happened, I have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today, XX/XX/2019, I tried to thaw my credit with Experian online AND on the phone and was denied and I DO have my PIN. Both automated responses indicates that I have to submit my request by MAIL to their office for consideration. I am in the process of buying a car and need my credit thawed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: CORELOGIC INC
State: PA
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:
These credit inquiries are unauthorized and need to be removed from my credit report

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 2020-07-03
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Tried to talk with PNC Bank too allow me to link my checking account to my XXXX account. I got disconnected three times and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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: Account information incorrect

Complaint:
The Credit bureaus are reporting inaccurate items on my credit report.

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 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXComenity Bank failed to give me proper validation of this debt. 

I mailed XXXX XXXXComenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Received letter on XX/XX/XXXX that Capital One " reduced your credit limit to {$5000.00}. '' I observed Capital One performed an account review soft inquiry on my XXXX consumer reporting file XX/XX/XXXX. They did not advise me of when review occurred or what criteria I did not meet in the last 24 months. 

Further Capital One updates my XXXX XXXX every week since I had the card in XX/XX/XXXX which improved 50 points. It most recently was XXXX, the highest it has ever been yet Capital One took adverse action which may affect my credit score or standing with other lenders. 

They keep sending me pre-qualified offers for car loans etc. and yet would take action ordinarily reserved for deteriorating credit rather than an exceptional credit score. Their response to my initial complaint, which they claimed was a " counter offer '' was simply re-stating exact contents of prior letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today Barclays locked me out of my personal savings account that I have had with them for five years. Last week I opened a new checking account with XXXX ( XXXX ) and linked my new XXXX account to my Barclays savings account. Today, Barclays locked me out of my savings account. I can no longer log in or access my funds. Barclays said they did this for my security because my XXXX account is new and they can not verify that I am the person who opened it. But I am the person who opened it and losing access to my savings account does not feel secure at all, especially right now. Barclays asked me for a bank statement and a verification letter from my new bank. Barclays said it would take at least two days and possibly a week before they would restore my access to my savings account. I don't know who to go to for help about this. Barclays said it was their security department who mandated that I be locked out of my account since they can not verify my new XXXX account. This does not seem right to me. My mortgage payment is to be withdrawn from my Barclays account in a few days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: ALLY FINANCIAL INC.
State: NJ
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:
XX/XX/2019 Ally Financial said my account was past due, when it was not. I contacted them immediately and Ally said they will fixed the problem. In reality they never fixed the problem. Im not past due on my car note. The account says I am 30 to 60 days late. This has caused my credit score to drop drastically. Please do some thing about it.

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 2020-09-01
Company: General Motors Financial Company, 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:
I prepaid entire lease in full as he brought the car. 
When lease ended in XX/XX/XXXX, I tried to return it to the dealership But the dealership, XXXX XXXX GM went out of business I went to several dealerships,, XXXX XXXX, XXXX and XXXX XXXX and no one would take car. 
I called gm and they said try XXXX XXXX GM I went to XXXX XXXX, gave them the car, they didnt give me a receipt and they had nothing for me to sign. I asked who does he need to pay, and the dealer said, they didnt now and that GM would send a bill and for to wait for it In XX/XX/XXXX I received bill from GM and paid bill. 
A month or two after a {$80.00} bill came and he immediately paid. 
In XXXX I ran my credit and it shows late payments. 
No notice of past due amounts were sent, no phone calls were made and for no reason I was marked late. 
After he paid he got another bill on XXXX stating {$35.00} more is due ( see bill in folder )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: AES/PHEAA
State: CA
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 am in the Public Service Loan Forgiveness Program. I have been working at either a 501 ( c ) 3 or government agency   since XX/XX/XXXX. In XX/XX/XXXX, I was working at XXXX XXXX XXXX 's XXXX XXXX, a nonprofit that represents XXXX in XXXX XXXX. I was hired at a new job working in the XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. There I would be helping people who can not afford to hire attorneys with their court cases. My last day at XXXX was a Wednesday, XX/XX/XXXX. I took TWO WORK DAYS off between my old job and new job. My first work day at the XXXX was Monday, XX/XX/XXXX. 

My student loan payment has always been due on the XXXX of the month. In XX/XX/XXXX, that fell on a Sunday. As it happens, my payment was actually a {$0.00} payment since I made so little money at XXXX. Because my " payment '' was submitted on the XX/XX/XXXX, FedLoan Servicing now says that payment doesn't count toward my 120 on-time payments for PSLF. I think this is absolutely ridiculous given that I was employed at a qualifying employer for the entire month of XX/XX/XXXX( minus two work days ), and the fact that my payment happened to fall on the weekend between jobs should not be held against me. I have reached out to them both by phone and email, and asked that they solve this problem, and they refuse to do so. I am positive they could retroactively change the day my payment was due for that month in order to allow me to get credit for that month of payment, and believe that is the only fair outcome. There is no rule that says that payments must be due on the XXXX of the month, and the fact that my start date at my new job happened to fall on the XXXX should not be determinative of when I can request forgiveness of my loans, given my obvious dedication to the public interest.

Company response to consumer: Closed with explanation