BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. 
I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. 
They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. 
California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. 

I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. 

I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. 

I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. 

They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau,  including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. 

I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Square Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a card in the mail which I never requested. It had no information with it other than my name. I saw that it was from Cash App. I tried to reach them and they make it very difficult. I tried calling the parent company, Square, and they also can not be reached by phone. I don't know if someone opened an account under my name or this is just a way to get new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: NY
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:
Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My first problem with AMEX started when I first opened my account and never received my card. I was able to purchase my course at XXXX XXXX XXXX of a little bit over $ XXXX online because they provided me a temporary card for online purchases. After the 10 days I was supposed to get my card, but that never happened. I called the customer service many times to complaint about but still I never got my card. Therefore, I paid my balance and cancelled my account with AMEX. However, on XX/XX/2019 one of my classes at XXXX XXXX EXTENSION was cancelled so I had a refund of {$930.00}. Because  of the refund I contacted the customer service to have the amount transferred to my bank account and I was told that they were not able to make an online transfer to my XXXX XXXX bank account, so they would have to mail me a check of {$930.00}. It's been over a month and I have never received my check. I keep contacting them over the customer service to solve my problem and every time I call they make me go all over again to say they'll update my address and process a new check. I truly don't know what else to do. 
This has become a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I woke up to emails about my credit report from Transunion. I attached all the proper paper work that clearly states that they were wrong and had to delete incorrect things off my report. However, they took it upon their selves to report incorrect items on my report. I attached 4 different reports concerning my report such as incorrect balances on 3 students loans, and also an incorrect XXXX bill. The XXXX  bill was clearly paid in full and closed, they were just reporting the account open so now they listed it under bankruptcy how? Instead of removing like the law clearly states because you can't put incorrect thigs on a report, Transunion took it upon their selves to list theses following reports under bankruptcy. Now I might not be the smarted cookie in the pack, but I clearly know that is against the law. Plus I reached out to a lawyer which he clearly said that is fraud. I also asked for something in writing to verify the bankruptcy that they are reporting. I will attach the accounts that they call themselves listing under bankruptcy instead of removing for inaccuracies.. I also asked for a writing letter for the late payments of the student loans that they are claiming that were 90 days late. The slots allotted only reports a late payment in XX/XX/XXXX. The months before that they all report ok!. I have attached the 4 accounts that they have put under bankruptcy. If you all state that bankruptcy was filed 2 years ago how do you list new accounts under bankruptcy that never went to court. I will contact my lawyers as of XX/XX/XXXX. You all have until Monday to remove this off my report. I will not ask for anything else in writing to verify this so called bankruptcy that you all can not provide. I have written 4 times. and every time you all send something back as verified. I want it in writing how you verified and the name of the person who verified this.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XX/XX/XXXX Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''

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 2018-01-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Several months ago, I called Navient to update the bank account on file for my automatic payments. I 'm in a program, where I pay a lower amount with automatic withdrawals. I also changed the payment date for that month. The rep that I spoke with did not update the bank account on file. Once I realized what happend, I was over a month behind or more. When I called Navient, the only help I was offered to stay in the payment program is to set up new payment dates, update the bank account on file. Which I did. I was told, that I can do a forbearance once the program expires in several months on the past due balance. I was also told the collection calls to me and my co-signer ( My Mom ) would stop. Several weeks to a month later, Navient began calling my Mom at work several times a day, making false statements that my payments are not going through, they are declined due to a wrong credit card number ( I do n't pay with credit cards ). They are demanding that she makes my student loan payment. 

I called Navient back. The rep I spoke with was very rude. She advised, that she will not stop the phone calls to me, or my Mother at work. I explained that I am in a repayment program, with future payments scheduled. She said, she will not stop the calls to Mom at work ( that 's a violation of the fair debt collection act ). My Mom, keeps getting phone calls each day, despite me having payments set up. Navient is also discussing other loans, without her name on the loans with my Mom, discussing my overall balance, amount owed and etc. Also, after 3-4 years of making payments, my balance has n't even went down on my loans, it has instead increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: NV
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 been disputing fraudulent inquires from the credit bureaus as XXXX Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to XXXX Bank to dispute those inquiries directly with them because XXXX Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with XXXX Bank and the correct inquiries related to those accounts, XXXX Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but XXXX Bank refuses to send proof to me. At this point, I am informing CFPB that Equifax and other credit bureaus, and XXXX Bank are refusing to remove the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Those inquiries have been inserted in my credit report per XXXX Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and XXXX refused to help me with this dispute claiming thaXXXX XXXX  didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with XXXX Bank that don't need to be disputed or closed : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with XXXX Bank should not be affected for retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my CBR. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly letters to JPMC asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMC to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the XXXX. My XXXX Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name. 
1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX  XXXX Limit {$300.00} Opened : 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 explanation
Consumer complaint received 2022-10-04
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to specialized loan servicing LLC. At my previous servicer I was paying extra each month to principal. I decided to stop paying extra to principal on XX/XX/2022, well in advance of the next payment due date of XX/XX/2022. I received a confirmation message/letter that my request to stop paying additional to principal each month was processed and would be effective XX/XX/2022. On XX/XX/2022, specialized loan servicing withdrew my contractual monthly payment amount and the additional payment amount, despite confirming that the change was processed. This is an error and I should be refunded this amount.

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 2019-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am being robo-call harassed daily by a collection company called Porfolio Recovery Associates. They are calling in an attempt to collect on an old debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them that they do not have my permission to call my phone. I have ask them to stop calling me and to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocall. I would like to sue Porfolio Recovery Associates in a court of law for {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, XXXX XXXX sent me a letter indicating that I owe {$1600.00} to my previous property management company XXXX. I moved on XX/XX/XXXX, which was early. I had until XX/XX/XXXX. Since the apartment was roach infested I wanted to move asap. They kept my security deposit and charged me for alleged damage to the unit. I contacted XXXX XXXX to dispute all of the charges and they threatened to put this account on my credit report if I did not pay. I have a right to receive any itemization of charges. On XX/XX/XXXX, XXXX XXXX sent me the list of itemized charges which again I disputed. Now less than a month, this account showed up on my credit reports. These charges are fraudulent. I should not be charged for blind replacement or painting. I had hardwood floors yet they charged me for carpet cleaning. Damaged kitchen cabinet and damaged flooring is very bizarre. Where are the pictures?

Company response to consumer: Closed with explanation