BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited the ER at XXXX XXXX on XX/XX/XXXX. I paid the {$250.00} co-pay at that time and I have the receipt. I received a billing notice for {$250.00} from XXXX XXXX and called them on XX/XX/XXXX and explained to XXXX/patient service rep that my {$250.00} co pay was paid at the time of my ER visit. She said she would correct their records. <P/>I received a letter dated XX/XX/XXXX from AMCOL Systems ; a collection agency stating I owed XXXX XXXX {$250.00}. I immediately sent them a copy of my receipt with proof the {$250.00} co pay was paid through my health savings account. <P/>I received another letter from AMCOL Systems dated XX/XX/XXXX stating I still owed this amount, along with an itemized bill from XXXX XXXX. <P/>I called AMCOL Systems on XX/XX/XXXX and spoke to XXXX. I explained my situation to her and she kept telling me that they are trying to collect a debt. I kept telling her there is no debt as I paid my copay at the time of my ER visit. <P/>This collection is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for credit with XXXX XXXX. XXXX XXXX has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my 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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for credit with XXXX XXXX. XXXX XXXX has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my 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 2019-09-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF 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 2021-03-10
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencXXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2. 

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page 3.

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.

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 2019-06-13
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a seller {$160.00} using CashApp. They called me to ensure it wasn't a scam and they would ship my item tomorrow. At that point, the seller blocked my phone number from texting or calling. They stopped responding to emails. I immediately let CashApp know and to cancel the transaction. They did not respond very quickly and thus the money was transferred from my bank. I disputed this with CashApp and they said to contact my bank to see if they would refund my money due to scam. The bank concluded the investigation and denied my claim. They instructed me to take this up with the merchant. Seeing how the seller blocked and scammed me, I contacted CashApp. They have yet to respond or refund the money they allowed to go to a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Working with a debt consolidation company and the company XXXX XXXX XXXX calls with deceptive numbers using XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX received an email from Chime that says I have an account with them and explaining their services. I sent them an email to their customer service ( or lack of service ) the same day telling them I did not open an account or authorize anyone to open an account in my name. I asked them to contact me as to how they got my name to open an account. I would not provide my name or contact information as I suspected fraud and didn't want to provide any personal information on than the email address which received the email. Their customer service is supposed to be open 24/7 according to their website. To date I have not received a response. If you call their phone number, the only option you have is to email their customer service. You can not speak to a person. A few days later I received a Visa debit card from them which I had not requested. As I had not requested an account much less a debit card and have my credit monitored, I can only assume the company is engaging in fraud opening cards in people 's names without their consent similar to XXXX XXXX a few years ago. This company needs to be fully investigated if not shut down. This is as serious as the XXXX XXXX issue if not more so. With the amount of fraud going on in this world this is very dangerous sending debit cards in the mail without any request from the recipient. The company operates without regard to the safety or finances of those who have no interest in their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've attempted to request lower monthly payment amounts without success. When I fist got the loan I only owed about 15K now I owe more than 30K. How is that acceptable? My balance owed has doubled in only 12 years from the time I finished school. 
Late fees keep adding up. My credit score keeps falling due to higher debt ratio and the cost of living is rising every year. How is someone with an XXXX XXXX supposed to live if they are getting hit late fees and high interest rates that double the date every year? 
When I first applied for this loan full disclosure of late fees and interest rates where not provided. I was also not advised to apply for fasfa or any other scholarship to help pay for my education without having to turn into loan debt. 
I'm pretty i was also cheated in the way my payments in the past where applied but the Navient website does not provide that data of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I am on of the people that was affected by Navy 's Improper Debt Collection which has affected my credit since it was done. I have called on a regular basis to see when Navy was going to pay me and fix the problem and have not received any satisfaction. It has been two years since you ordered Navy to pay and they have not done anything. Request that CFPB look back into the what Navy is doing and why they are dragging their feet in giving its customers relief. " CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ACIMA CREDIT, LLC
State: CA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: SYNCHRONY FINANCIAL
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:
Hi! I have a CreditCare/synchrony credit card where i make a {$80.00} minimum payment. I recently have gone through financial hardship and i have been late on making a few payments and i can not stress how sorry i am for missing these last payments for the months of XXXX - XXXX of 2019.I know throughout the year of 2019 i haven't been making my payments on time but this year has just been exhausting, dealing with my very sick daughter, losing family members, switching departments in my job, and just trying to get my life back together. Overtime the payments and late fees started to add up and before i knew it, it just became a lot to handle and again i am so sorry.

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 2019-05-15
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 was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they keep calling me from several numbers for a debt that is not mine. they are harrassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Equifax credit report. I have no knowledge of this account and want this debt removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion XXXX / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XX/XX/XXXXXXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted

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 2019-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am a customer of Wells Fargo Bank. On XX/XX/2019 there was a debit of {$120.00} for a Legal Order Fee from Wells Fargo and there was a debit of {$59.00} for an IRS legal order. We immediately contacted IRS and because it was in error, IRS reversed the fee of {$59.00} on XX/XX/2019. However, Wells Fargo is refusing to reverse the Fee that they charged. When the order came in Wells took out the major portion leaving the IRS only with {$59.00} and in fact deprived the Government of funds ( In this matter, since it was an IRS error, it was OK ). I have hardly enough funds to pay for my expenses and I am in foreclosure, the bank fee is unconscionable and illegal to deprive a customer of 2 decades of their own funds even where there has been an error. As a result other payment which went out of my account got unpaid and Wells issued a fee of {$35.00} for insuf funds.

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 2021-04-15
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is to let you know that I applied for credit and saw a collection on my credit report from Waypoint Resource Group. I have disputed their claim. I never received any notice within 5 days of the initial communication with the consumer ( me ), which is a violation of 15 USC 1692g ( b ). They failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.

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 2022-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$19.00}, on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/2021 by XXXX for {$19.00} for a XXXX Service on Cell Phones I didn't own anymore. Unknown to me when I paid for the service originally they set me up on a yearly automatic payment plan. I buy a new cell phone every year and would NEVER knowingly sign up for recurring, yearly payments. I filed for a dispute with Capital One but they don't seem to understand or just deny me so they don't have to refund my {$19.00} x XXXX. I NEVER knowingly paid {$19.00} for services on a Phone I DID NOT OWN. I want my money back but Capital One is being stubborn for whatever reason. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-11-04
Company: LoanCare, LLC
State: WA
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:
Up until now, I have had a very strong credit score ( above 780 ) with a long history of paying on time on all accounts. Shortly after our mortgage was transferred to LoanCare, there was an issue with LoanCares auto-draft system set up on www.myloancare.com,  which caused my XX/XX/2019 mortgage payment to not go through. The result was a hit to my credit score of >100 points, which has significantly affected our family. 

Details of the error : On XX/XX/19 I registered for a web account through www.myloancare.com. I made a web payment on XX/XX/19. On the same day, I went through all necessary steps online to set up auto payments, which were set to kick in starting in XXXX. This auto payment didn't go through due to a LoanCare system error. I didnt receive a notification of delinquent payment that was sent by uncertified mail on XX/XX/19 to an outdated address and I have no record of a phone call from Loancare made on XX/XX/19. On XX/XX/19, I  noticed a significant decline in my credit score due to this account being overdue. The next day, I made a full web payment for XXXX, XXXX, and a late fee. My account is paid in full and there will be no more missed payments in the future. 

I have opened a disputes with LoanCare, XX/XX/XXXX, and XX/XX/XXXX, which have been denied without explanation. I have had many phone calls with LoanCare and XX/XX/XXXX about this dispute. I am requesting website user logs from LoanCare that prove that there was never an autodraft payment set up in XXXX of 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 2019-06-13
Company: CIT BANK, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a mortgage refinance with CIT Bank and were approved, pending an appraisal. The bank hired an appraiser who, incorrectly, stated on his report that the house does not have a carport, and assessed comparable properties with a carport as worth more than the house. The house has a driveway. When we received the report, I contacted the loan officer, XXXX XXXX, and explained the problem. I also sent him a 2016 appraisal of the same house, noting that it has a driveway. Mr. XXXX told me he would ask the appraisal company to reconsider. The appraisal company stuck to its initial report. The appraisal company provided no justification for its statement that the house does not have a carport. Again, I informed Mr. XXXX that the appraisal is factually incorrect. MrXXXX XXXX informed me that CIT Bank agrees with the appraisal, and provided no explanation as to why the bank would do so. Mr. XXXX provided no explanation as to why the bank would knowingly offer us a loan based on an appraisal report it knows to be factually incorrect. We declined the loan because we did not wish to proceed based on an erroneous appraisal.

Company response to consumer: Closed with explanation