BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: STERLING JEWELERS, INC.
State: IN
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:
On XX/XX/XXXX I logged into my XXXX XXXX account and seen that I had a hard inquiry on my XXXX score from Sterling Jewelers that dates back to XX/XX/XXXX. I have absolute no knowledge of this inquiry. I have never even been to a Sterling Jewelers store. I am a young guy who is working to start building my credit and already having an inquiry on my account will slow me down when it comes to applying for different cards especially since I have no idea where this is coming from or even how it appeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: CA
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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that Experian and XXXX are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from Experian and XXXX and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.

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 2021-12-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.

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 2018-01-19
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XXXX I have deposited more than 5 checks already in my bank from my job, They do not offer direct deposit. Ever since i started depositing the checks they continually enforce a 7 day hold, and time and time again im told the amount would reduce after the 2nd deposit but it does not. It is not right to hold somebody 's paycheck for over {$1000.00} and not even offer me a dollar from my own check for a whole 7 days. PEOPLE HAVE BILLS TO PAY!

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A filed a dispute with Kabbage regarding a purchase I made with my checking account debit card. The order I made was missing items and the item I did receive was not as described. I told them the website I ordered them from was no longer up and I couldnt contact them. Kabbage refused to investigate my dispute. This is the first bank to every deny a request to investigate a charge made on their card. Ive enclosed the reply I received from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an unfamiliar Medical Debt on all three of my Credit report. On XX/XX/2021, I contacted the Collection Company and requested them to validate their claim. This was done by Certified US mail with a Return Receipt. The Return Receipt Indicated that the company received my written request on XX/XX/2021. 

The Collection Company has failed to validate the alleged debt at my request, although I have waited for over 30 days. 

As of making this report, my Credit files still shows these erroneous reports in violation of several of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: GLA Collection Company, Inc.
State: IN
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 filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: WI
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:
Experian has this listed as a Chapter XXXX bankruptcy- IT WAS NOT. Prior complaints stated that Experian verified this with the court system. I want to see this verification or I will pursue legal action. I am attaching a case summary FROM the COURTS system that proves this is NOT a chapter XXXX bankruptcy as you are reporting this. 

This is my final attempt before I pursue further lawsuit action.

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 2017-10-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than XXXX  days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The accounts in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2018-01-19
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I sent a letter of Verification to LJRoss about a bill reporting on my credit report from them. I asked them to send all necessary documents with information Validating the debt owed to them. They in turn sent a copy of a itemized bill which is not validating a debt owed to them or a signed contract stating that I agreed to pay any amount owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: LEXISNEXIS
State: AL
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 attempted to get some quotes for homeowners insurance on my home, i was given and extremely high rate {$3900.00} per year. i asked why my rate was so high and i was told it is because of a claim i filed in 2016. I called my insurance company to question the claim and was informed i didn't have a claim. I further investigated and was directed to pull a XXXX report. Once i received the XXXX report i was able to see a claim was filed against my property on XX/XX/2016 for XXXX. I filed a dispute and then i contacted my insurance company with the information, i was informed of the person 's name. The person 's policy and address were totally different from mine, but the person is my niece, she had a tenant claim on her rental property at a totally different address, but somehow it is being charged against me. i contacted XXXX once again ( they are my agents and her agents also ) and was told that i would be held responsible but they will not remove from my XXXX report. This is cause me money and stressing me, i need to know if i need to seek legal action to have this remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I made a payment of XXXX on my loan account which changed the balance from {$7300.00} to {$6300.00}. On XX/XX/XXXX, XXXX my account was refinanced by XXXX XXXX for {$7300.00}. 
On XX/XX/XXXX, I had a negative balance of XXXX. I contacted NAvient, requesting a refund of the negative amount to the loan account. XXXX, Loan Servicing Specialist, confirmed, the refund was approved, and a check will be sent in the mail. I never received the check. 
I called XX/XX/XXXX, following up with my Navient concerning my refund because I never received the check after speaking to multiple people. I finally talked to someone who was able to process the check. Finally, I received the check on XX/XX/XXXX. However, on XX/XX/XXXX, I checked my account, and there was a balance of {$1000.00}. This is a false balance. The billing statement should be XXXX. The loan lender is requesting double payment. I received the check because the account was over paid and was in a negative balance. I tired to contact the lender but have gotten no responce. 
Working with Navient in the past, they have consistently mismanaged my account balance. Every time I call the customer service agent is not helpful, and I have to talk to multiple people before I can get help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I spoke with a customer service rep for Nelnet back in XX/XX/XXXX. I was trying to get an amortization schedule because I wanted to see how my balance was being paid down over time as well as a breakout of interest vs. principal. He said there is no way for Nelnet to provide me with that. ( See attached below. ) The reason I asked is because my loan terms just didn't seem to add up. I felt like I was paying much more than I was supposed to based on my interest rates. This morning ( XX/XX/XXXX ), I received an email from Nelnet indicated that my student loan rates were increasing. I was not aware that this would happen. I then checked my email history from Nelnet and found that the interest rate for this loan has been raised twice in the past with email notification dates from XX/XX/XXXX and XX/XX/XXXX. Nowhere in my loan details on Nelnet 's site does it say that my rates would increase or that the interest rate is variable for that loan. My payment amount did not change, either. Which is why I was unaware that more of the payment was going towards interest. This is why I wanted an amortization schedule in the first place back in XX/XX/XXXX. 

In the chat transcript ( see attached ) from XX/XX/XXXX where I asked about the amortization table, the Nelnet rep mentions that he does not see interest rate variability on my loan. This

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account twice with Experian. Once over the phone on XXXX XXXX,2017 and they placed a fraud alert on my file and sent it to the other two credit bureaus to follow suit. A couple of days later they sent an email with the dispute being ready and stated that the company has verified that it was my account and it will not be removed. I started another dispute for Experian to validate and not verify anything. I asked for all documents, contracts that i signed that was used to validate this collection account.and was XXXX XXXX XXXX licensed to collect any debt from me in this state. Once again i did not receive any documents validating any debt that is suppose to belong to me and that is being reported incorrectly and causing harm on my credit.

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 2020-12-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/2020 I noticed 26 charges from XXXX for {$90.00} all in a row and then there was one for {$26.00} and another for {$63.00} from a XXXX. I immediately called my bank, Fifth Third, to put in a fraud case, which they did. They refunded my money after 7 days and waited for the case. Well XXXX is saying they have my information and that these charges are valid, so my bank just believes them and doesnt fight it resulting in them adding all these charges back onto my account and over drafting my account by {$2200.00}. They didnt fight it, they didnt notify me, they just believed what XXXX said. They wont waive over draft fees that I will incur which is over {$1000.00} in overdraft. I havent had a XXXX in over 5 years and even when I did, I never played games or put in my credit card information. We strictly used it to play XXXX  Discs. My bank is not helping me out in anyway when Ive told them repeatedly these are fraud charges! 28 charges in a row, one right after the other, and they didnt catch it. I just need any help I can to get that money back. They told me to take it up with XXXX. Im desperate at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a call before XXXX AM on XX/XX/2021 and there was no voicemail left. Unsure of why they are calling as I dont believe I have any accounts with them. Ive not received any letters or emails stating I have any money owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: LendKey Technologies, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On a few different occasions my direct pymt for my loan had insufficient funds due to the timing of my deposits which I have since fixed. My complaint is that on the first of the month, Lendkey auto deducts from my acct. When there is insufficient funds, they say they will make a second attempt. The funds have been immediately available once I have received a notice of insufficient funds. However, their second attempt is not made until it is past the due date and they then charge me a late fee. I am struggling enough to make ends meet and I find this practice immoral and not sure if it is even legal. If I do a manual one time pymt, they end up going into my account for the second attempt ( which is always at the time where they can then charge a late fee ) and take the money anyway and XXXX up my account even further.

Company response to consumer: Closed with explanation