BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To be clear, I currently have my loan paid in full. I had to take out another loan to pay the student loan off once it was sent to Navient. Navient placed up to 82 % of my payments toward interest instead of principal. It appears they utilized my inability to pay more on my loan at the time to increase the duration of the loan and, therefore, increase their profit toward interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a voicemail on XX/XX/XXXX. When I called the number back a gentleman who was very helpful answered, explained it was a medical debt and that they sent a statement on XX/XX/XXXX. I said once I received it I would verify it against my payments. I received another call today from a lady ( who insisted I called her, I believe it was a robo-call the call came in at XXXX on XX/XX/XXXX ). When I first answered the call it stating to stay on hold for a rep so I did. She picked up and just asked for my name and phone number. I did give her a first name and phone number. I asked what this was regarding and she said without your information I ca n't tell you. I asked her to understand how receiving a call and then being asked for your information may seem weird. At this point she did have my phone number and first name she could have at least stated it was a debt. Instead of working with me she just hung up. In order to determine what it was for and refer it to the first message I had to google search the number. Now it is XX/XX/XXXX, about half way through ( if not more depending on when they started the action ) for my 30 day appeal or pay and I still have not received a statement to either prove payment or make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am submitting this claim because I had a Citibank AAdvantage Executive World Elite MasterCard and on the anniversary of my credit card account, Citibank very unethically charged me the {$450.00} annual fee and then closed my account a few days later without notice and without an explanation. 

The Annual Fee includes a host of benefits, including a 1 year membership into the XXXX XXXX XXXX XXXX. Therefore, having been charged the fee, I expect to receive the benefit. 

Counter to any intuition, Citibank canceled my card, canceled the XXXX 's XXXX membership, and refuses to refund the {$450.00}. Therefore, Citibank has been unjustly enriched since I was forced to pay for a benefit I never received. 

I called Citibank Customer Service and they wouldn't help me. So I wrote a letter to the Citibank Executive Response team and they ignored my request to refund the {$450.00}. 

This has prompted me to file this complaint.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My complaint is against Experian I have been trying to correct my name for 2 months now and have sent them my drivers license and soc sec card. They continue to call me XXXX XXXX XXXX not XXXX XXXX XXXX. I also have disputed XXXX XXXX and XXXX XXXX providing documentation of court orders signed by judges to have the items removed. They refuse to attach court orders to the disputes when sending to XXXX and filed a dispute with XXXX XXXX not XXXX. Why would they file a complaint with XXXX XXXX???? XXXX is all over the court agreement. A bunch of idiots are running this company and they are no help at all considering they control our credit history it is disgusting and should be against the LAW.

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 2020-07-16
Company: LoanCare, LLC
State: MA
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 see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CAPITAL ONE item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is about SageStream LLC. 
I have sent two written security freeze requests via certified mail and an over the phone request. The most recent written request was sent XX/XX/2021 via certified mail. SageStream LLC has responded twice saluting they can not verify my identity. Ive sent the two forms of ID ( my Texas state ID and my recent electric bill ) require per their website both times and still they have not placed the freeze on my account. I tried reaching out via the contact number they have listed on both letters they sent me and there is no option for me to speak with anyone nor get any more information. I have receipts and copies of what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have had this company find ways to get in touch with relatives of mine they found phone numbers to relatives I did not give to them. They have threatened my relatives that I was going to jail if I didnt pay the debt, they have also told them my personal information that was suppose to be kept confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: FMS Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had gotten a loan to get beds from a store. Was told and set dates for payments the XXXX of each month. Suddenly was charged and got a bounced charge from bank. On the phone with their collections was told some XXXX dollar payment was put through and would be again today. I stated this is not authorized and I was told 1 month not 2 week on payments now leaving me XXXX in the bank currently. XXXX will not work with me and pushing for a payment now even tho that's not what I agreed upon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management contacting me about a debt that i allegedly owe to XXXX XXXX XXXX I have asked them to verify this debt as per FDCPA they have not done that. I have no contactual agreement with them, I do not owe any money to them. They are in violation of FDCPA yet they are sending me threatening letter to sue. I am very distressed I would like for them to show me how I owe them this amount in detail or Cease an Desist all communication and effort to collect this alleged debt. 
I have done some research on this particular collection agency they are clogging Georgia court system with hundreds of law suits, in many instinct in violation of collection law. it is about time some one pays attention to their collection practice and give relief to consumer who are already in trouble during this unprecedented time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is not mine..please remove 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 2021-10-18
Company: Colony Brands, Inc.
State: NV
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:
Hello. I suffered from XXXX the end two months of XXXX and beginning of XXXX. When I recovered enough to monitor my credit scores as I usually do at least weekly, sometimes daily. I also noticed missed calls and then letters/bills from Montgomery Wards . I remember thinking, when my friend applied, that I did not know Montgomery Ward still exists. No disrespect. I picked some pajamas for my XXXX XXXX, but XXXX wanted like {$150.00} deposit. I did not want to do that, so I did not order. Furthermore, I received a letter saying if I paid the down payment, I could get the personalized pajamas. Now I am getting bills for items I never purchased or even received. I have called and disputed this whole account opening, since I never paid the down payment to place my first order. I moved and gave Wards my new address to send me something saying they would remove it from my credit reports and I see the name is changed to my actual first name, not the shortened name ( which I would never use and is a masculine form ) that originally was on the account. This fraudulent account is bringing my credit scores down because it is being reported as mine, and never paid on. The letter from Montgomery Wards instructed me to go to this website and dispute it. I already have with the credit bureaus, police, FTC. I do not know what to do next! Likewise, I also was used fraudulently for unemployment benefits, credit cards, and hard inquiries and more. Apparently, I am told that I am on the dark web by a security feature. I have called Wards several times and in XXXX they sent me the letter saying to contact XXXX Unemployment is investigating who filed for benefits and received over {$10000.00} in my name. Someone used my information in XX/XX/XXXX. I unfortunately had to file in XX/XX/XXXX. Then wait 8 months to prove I am me. 

I received a letter stating I am being sued for a payday loan. I never took out a payday loan. ANYWHERE and for {$1800.00}. I have lots of fine, expensive jewelry I would pawn before I would get a payday loan Two different bank accounts have been opened in my name. I found out when they sent me new account information and when mail was returned to the bank. I tried to get information like address debit card is being mailed to, opened both online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Walfield, a collection agency, has been collecting a debt of {$1900.00} from me. The original creditor is XXXX XXXX, who falsely charged me and my husband of {$1900.00}, of which {$1700.00} for not giving 60 day moving-out notice and {$260.00} for property damage/cleaning. {$1700.00} was generated as a 60-day month-to-month rental fee from the notice given day ( XX/XX/XXXX to XX/XX/XXXX ), while {$260.00} was generated based on the move-out inspection form -- {$160.00} for whole apartment cleaning and {$100.00} for dining room carpet cleaning. 

I disputed with Hunter Walfield who sent me no debt validation proof but a copy of the rental lease. I sent emails to Hunter Walfield on XXXX XXXX, XXXX and XX/XX/XXXX with a detailed explanation and pointing out that there is no statement in the lease regarding any financial penalty if the tenants not giving 60 day moving-out notice. Also, The vacate form provided and signed by XXXX XXXX Manager specifically stated that if your move out date is after the lease end date, you will be billed the month-to-month rate for any days up to and including your move out date. We moved out before the lease end date XX/XX/XXXX. XXXX XXXX still billed us the month-to-month rate from XX/XX/XXXX to XX/XX/XXXX, which is absolutely a false charge. 

I have attached photos along with the email to show how well we have cleaned the apartment before we moved out. I have also attached the move-in inspection form to show the pre-existing condition of the apartment in order to prove that there was no damage made by us while living there. 

I believe the proof and evidence I have provided to Hunter Walfield are sufficient to prove that this is a false charge and we do not own any debt to XXXX XXXX. I have also disputed with XXXX, XXXX and XXXX. Yet Hunter Walfield chose to ignore the facts and not have the collection account removed from the XXXX bureaus. After 30 days, all three credit bureaus sent me a letter with " updated '' but nothing else regarding the collection account. When I called, I was told to have to go back to ask Hunter Walfield for  the collection account removal.

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 2020-06-07
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alleged Debt {$1200.00} Current Debt collection company - Common wealth finance Original creditor - XXXX XXXX XXXX XXXX Had no knowledge of this account/debt and I have had medical insurance-ALWAYS hence I have no other medical debt period. I had/have No knowledge of this account and certainly didnt know I owed it. It wouldve been taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: NC
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 contacted Experian on XX/XX/XXXX to dispute negative report made by XXXX XXXX. The closed the dispute and said it was verified. 

I contacted XXXX XXXX on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. XXXX XXXX received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to XXXX XXXX. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did Experian verify a debt without any basis of the amount owed other than a collection agency saying it was valid?

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 2020-04-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a large refund from one of my wedding vendors when we cancelled our wedding. Current my credit card has a credit of XXXX. I submitted a request through Chase 's message portal to ask they transfer the credit to my checking account. They have not responded. I've reached out through their support team through XXXX and they directed me to the phone number on the back of the card. I called the back of the card and the automated answering machine did not provide any options for me to speak with a rep. It stated they had high call volumes and can only assist with specific issues through telephone. My issue was not one of them. I keep getting the run around and I just want my funds deposited to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

COLLECTION XXXX {$35.00} XXXX XXXX {$4400.00} XXXX XXXX {$5300.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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:
Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX  {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 )  XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX  {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief