BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Genesis FS Card Services, Inc.
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:
There are two accounts being listed on all 3 of my credit reports. One in the amount of {$970.00} and other in the amount of {$210.00}. I do not own any of this debt as these accounts were open due to an act of fraud. These accounts were open online by someone who stold my personal information. I have no accountability to these accounts. I filed a dispute with them directly and with XXXX. Please remove these accounts and its XXXX. I spoke with a Representative today to start the dispute process. She provided the following information. 
XXXX XXXX ( merchant name ) Debt owed {$210.00} account # XXXX account # XXXX ( XXXX XXXX ) Miestone Credit Card XXXX merchant name ) Debt owed ( {$970.00} ) account XXXX XXXX account # XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: OR
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I mailed in form to to get the XXXX free credit reports. I have only received XXXX from XXXX. XXXX sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/19, I uploaded my utility bill to show the correct address. I called today ( XX/XX/19 ) and the address was not corrected after Id been informed it would take 5-7 business days. They had never sent me my debit card to my address. I called and the representative would not assist and kept asking me if I was recording this call. Then I was placed on hold for 10 minutes and finally I hung up. I then tried calling again and they kept rerouting my call to an automated answering service not allowing me any contact with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Account information incorrect

Complaint:
There is a line item reporting on my XXXX credit report. This item is hurting my ability to obtain a mortgage loan. I sent XXXX XXXX and Experian a letter including a letter from the child support agency to have the item removed from my credit report. XXXX   promptly removed the item from my report. XXXX said this item was " verified ''. How can this be verified when I sent in the letter?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The company that took the funds is called XXXX XXXX never heard of them I bank with a chime I got a deposit which was my tax refund sent to my chime account it came through around XXXX on XXXX the XXXXXXXX XXXX I was on my way to the ATM to make a withdrawal as soon as I tried to unblock my card to access my funds my account was logged out of approximately XXXX dollars was taken from me in minutes I've reached out to chime several times all they do is send automated messages saying they have a dispute team working on it in the mean time they have not provided me a credit I'm a single mom with XXXX I also have a XXXX arriving the best answer they gave was they will maybe credit my account by XXXX the XXXX my baby will be here on the XXXX not to mention I'm currently not working due to XXXX and my baby XXXX XXXX XXXX XXXXXXXXXXXX XXXX.I can't continue to wait for my funds I will be homeless soon this is ridiculous making me wait for a credit when clearly my account was hacked chime needs to do better with security and better by their members especially ones that have had chime for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ERC
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company ERC ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint requesting the itemization of a deferred non-interest bearing balance on a loan from Nationstar mortgage. The response provided did not itemize the amount in question of {$58000.00}, rather the response actually said that the amount I thought had to be paid back after the 40 years is actually a principal forgiveness. On all of my statements there is a non-interest bearing balance where I have to pay this back. I called Nationstar on XX/XX/XXXX and I was on hold a few times throughout the 30 minute conversation which finally resulted in the rep telling me I see the letter that says principal forgiveness, we are confused and need to investigate and we will get back to you within a day. This company is confusing customers with their language and themselves as well. If the rep understood the agreement as actual forgiveness why do my modification papers say it is deferred and has to be paid back if I sell or transfer property. This is a distress to homeowners and an unfair practice, again this property is nowhere near being worth {$190000.00} in the crime ridden englewood neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Automatic Data Processing, Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was hired on initially at XXXX XXXX before my screening was ordered. I really like the job, my assessment I completed recommended me for the job. I had a problem with getting my ID in time and also was kicked out in XX/XX/XXXX. You can not have any Felonies for the last 7 years and work there. Well XX/XX/XXXX was my 7 years, as of XX/XX/XXXX I and felony free and can now qualify to work there. Now I have my ID and went back there and presented my ID. Now they have a problem with the way Case 2 of XX/XX/XXXX is worded, Attempt of a class 4 felony, because it has the word felony in it. They are unsure and requested I submit this letter to have the word felony removed from it, as it is only a misdemeanor. Can you please remove that word and only put that is a misdemeanor. It makes it look like I have a felony and It is hindering me from getting a job that is really like. I think its unfair because I qualify to work there, but because of that word felony is on it. They are unsure. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CITIBANK, N.A.
State: NY
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:
Citibank agreed that two charges to my credit card were fraudulent. One they credited to my account and the other one they have failed to credit to my account and despite agreeing that the charge is fraudulent they will not remove it and I am still liable for it. They replaced the initial card to avoid further fraudulent charges. I complained today and the initial complaint was made on XX/XX/19. The amount is {$88.00}.

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
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2019-10-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
So i am getting calls about a Navient Settlement from a XXXX XXXX. She is claiming that they have Student Loan forgiveness options. Told me to call XXXX. Provided me with a validation code. I don't have any documents, however i do still have the voicemail they left. Not entirely sure how i would get that to you. These things keep happening and somehow they have my information. I am displeased and have reason to believe that Navient either has a security leak or they are selling my information. On researching my options, reporting this to the CFPB was the best offered solution. Any other suggestions or a course of action would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Webcollex, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a credit card and a few other accounts were opened by my x wife with out my consent. i have received multiple letters and phone calls from XXXX XXXX  XXXX regarding a account that i did not open or have knowledge of. after explaining this several times i stopped answering there phone calls as i got no were with them and there only concern was to collect a debt i did not owe them. now a collection company named cks financial has began to harass me non stop from multiple numbers and even restricted numbers. there extremely rude and threatening and demand money which i do not owe. a letter to stop harassment was sent to XXXX XXXX  XXXX along with a identity theft report FTC report number XXXX even with this both company 's still violate the law and keep harassment daily up too 12 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as its verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX/XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$280.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-25
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Original loan amount was {$12000.00} which originated XX/XX/XXXX. Beginning XX/XX/XXXXXXXX  payments started off {$440.00} and continued until XXXX XXXX  without interruption nor late payments. In XX/XX/XXXX, I became XXXX and the insurance covered 5 payments due to my XXXX. Therefore ; One Main Financial has received more than {$12000.00} in payments from me or on my behalf and as of today I still owe more than {$8000.00}. The payoff amount is being stated at over {$9000.00}. Im still XXXX and struggling to make payments and still unsure how the payoff is so high. I didnt begin to have trouble paying until XX/XX/XXXXXXXX  and according to XXXX at One Main Financial thats when things got bad on the account. Every payment I have made since XXXX I havent received any credit for and the balance continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CAPITAL ONE sent me a new credit card offer yesterday ( XXXX XXXX ), stating I am pre-approved. Today ( XX/XX/2022 ) I decided to accept offer. As I went to apply and fulfill all information, they denied me. For the record, I have an excellent credit history, low debt ratios, good financial profile. My frustration is less about being denied, but more on WHY should they send an offer which they intend to deny? On top of this, running my credit ( hard check ) for an offer they sent yesterday, only to deny it today. Later this year I am planning to get a mortgage. As you may be informed, Credit checks do play a role in Credit Worthiness of an individual. I am beyond frustrated with this behavior from any bank, let alone it being among major big banks. Id be fine without a new card, however, THEY SENT the offer and THEY declined it. they are showing to be Irresponsible, Misleading and very Unprofessional. 

Here are the offer details : Reservation number : XXXX Your access code : XXXX E-mail received by them on XX/XX/2022 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Multiple submissions linked to this company XXXX XXXX XXXX XXXX in Washington State. 

This is one of the three corporate bank accounts used. Once fraudulent activity was identified, we contacted their fraud department, submitted necessary information and all claims were denied, no explanation given. 

Files attached include total fraud dollar detail, former bookkeeper admission of guilt texts and XXXX XXXX XXXX XXXX department case report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
So ive been fighting a fraud case with American Express for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except American Express. What makes this case more of a headache is that i have 2 Amex cards that were charged with the same amount from the same merchant ( Delta Platinum & Delta gold ). The charges on the platinum was resolved within days of the case being open but the gold card is going on 4 months with no response. Amex has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting amex every week for an update but they have refuse to give me an answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband, XXXX XXXX had a bill with XXXX XXXX XXXX of XXXX in XXXX. We received letters last year from a company and I finally disputed the charges and it was removed from our credit report. 
Now this year, I received a letter from XXXX XXXX XXXXt XXXX ) asking us to pay {$170.00} and the {$290.00} debt would be resolved. 
I called the Automated Voice Response system for Hospital Medicine using the Acct # XXXX and we have a {$0.00} balance. 
I called XXXX and told them this debt was paid in full. The young woman on the phone said XXXX just does the collections for Cascade Capital Funding and if they close the account then the account would just be sent to another debt collection agency. 
Please assist us with closing out this account at Cascade Funding so they can stop sending our information to different collection agencies. This company has about 62 complaints for similar infractions on he XXXX XXXX web-page. 
Something should be done so that this company is held liable and at the very least there should be regular checkups in their system to make sure they are contacting the public about debts that have not been paid in full. It should be their responsibility. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount of the debt this company claims I owe has been changing every quarter. The details for the debt says that it was created in XXXX of XXXX but previous to XXXX, it said XXXX of XXXX. I have tried contacting them years ago to verify the source but they were unable to give me any details. I am not even sure if this is supposed to be mine because I've had medical insurance for many years and my company has no record of any attempt to charge my insurance. Regardless, they have been resetting the clock every quarter and refuse to discuss any details so I've given up on that but now they continuously reset the debt and therefore the clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Continental Services Group, Inc. d/b/a ConServe
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONSERVE XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX -added extra fees to my assumed " debt '' of XXXX which is against the ( fair debt collection practices act ) [ additional information ] -Tried to dispute debt several times with only receiving very bias results which started with the Dept of the  Treasury. 
-Did not receive reply 's on many occasions as I tried many times to communicate with them. 
- '' Debt '' was not communicated to me until it was going to collections. 
-Debt started with the XXXX XXXX 
I tried to discuss debt with treasury first but they had bad communication and false phone/fax/email numbers. 
-I have phone, emailed, faxed and mailed for communication methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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 to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation