BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MCM- company you sued is non compliant in the court proceedings. Last XXXX MC was contacted via XXXX third party to rectify my credit- and they decided to harass me about it. When I set them straight and a another DV letter- legal balked and tried to place dodgeball with me- knowning they got sued from you potentially months earlier. They have not removed the bad debt, they continue to post it as resold from XXXX- which also violates people in the same mannerisms as MCM. MCM will not remove the credit slander which has been disputed from day one from both companies as soon as collections began. The debt is not accurate and was bought for pennies on the dollar ( ~XXXX ) in this case. Yet I am extorted ea mo for over 1200 USD. THIS MUST END. XXXX lures consumers into a net and when it backfires, as is the case in bad housing areas- consumers take the fall for it for years- even after fixing eviction problems with paid off ( look the other way ) courts. I have been denied a home 2x and credit multiple times because of this. I demand immeadiate compliance or these company be held in contempt of court. ( US v XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit card was never mine and I never had a XXXX credit card. I contacted them years ago and thought it was cleared up now LVNV FUNDING LLC has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The information regarding my employment with the United States XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by Equifax it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
My Dispute is for not receiving services listed below : -- One Night at the Hotel in XXXX {$730.00} for Friday XX/XX/2018. 
-- Transportation to the Hotel {$170.00} for Friday XX/XX/2018. 
-- Private City Tour of XXXX {$220.00} for Friday XX/XX/2018. 
-- XXXX XXXX Private Tour {$150.00} for Friday XX/XX/2018. 
Grand Total of {$1200.00} Reason for not receiving the services was that XXXX cancelled the flight from XXXX to XXXX for mechanical reasons. 
I started the process for the of the refund thru XXXX XXXX, I was told by XXXX XXXX that I needed to request the refund thru XXXX, which I did, I requested the refund and was told by XXXX that since i didn't purchase the ticket directly thru them but it was done thru a 3rd party I needed to go thru XXXX XXXX, I went back to them and was told that they will not refund me. 
I then started a dispute with my credit card Chase Visa for the charges, the Credit Card Dispute Department closed my dispute saying that the vendor stated that I did receive the services which is not true but my Credit card closed the dispute after several attempts by me to reopen the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Reviewed several credit cards regarding the best sign up bonus. Reviewed on numerous sites including XXXX. based on rewards and sign up bonus I chose the citi pretige card. I have articles which show points offers of XXXX and XXXX before and after I signed up. Upon signing up I quickly spent the required amount to qualify for the sign up bonus. The points never came. I called several times to see the problem. Each time I was given different answers. First I was told I didn't qualify. I said I have a XXXX limit and XXXX credit score how don't I qualify. Next told that there was no offer. I presented the articles demonstrating the offers. Then Citi stopped responding.

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 2023-02-25
Company: Sensible Auto Lending, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company listed below A few days ago, I spoke with a representative from Sensible Auto regarding a duplicate payment made on my account. Sensible auto made a payment to another persons account with my banking information. 

We were told that the funds would be returned. However, the funds have not been returned. 

Fraudulent transactions information : The payment was made to a different account holder. I live in Mississippi and the payment was made on behalf of an individual in New Hampshire. 

I have provided pictures below. 

Office mailing address Sensible Auto XXXX XXXX XXXX XXXX, CT XXXX XXXX Insurance lien holder Sensible Auto XXXX XXXX XXXX XXXX, GA XXXX XXXX Fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Opted out with XXXX about a year ago. Citizens does provides info on XXXX opt out of prescreen unsolicited offers with their unsolicited offers that I continue to receive, but they ignore opt out requests! Additionally, I have mailed credit card offers offer back to Citizens, asking them to cease and desist, as I have opted out.. Citizens mailing envelope for offers contained a return address along with an individual employee named XXXX XXXX XXXX HEAD OF CONSUMER CREDIT CARD, CITIZENS ( SEE ATTACHED DOCUMENT ) as the party responsible for sending the unsolicited credit card request even though opted out. I recently added opt out forever with XXXX, but I doubt Citizens will honor such

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid XXXX Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
7. Synchrony Bank/Care Credit, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020

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 2023-05-24
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: Account information incorrect

Complaint:
REPORTING THE WRONG PAY OFF AMOUNT AND NEEDS TO GET 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2020-07-16
Company: Kentucky Higher Education Assistance Authority
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp.  This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I ask that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 
Thank you for your service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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: Account information incorrect

Complaint:
XXXX/XXXX incorrectly entered that I was consistently late when I was on deference. This still shows a negative reflection on my credit reports.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Filed dispute with all three credit bureaus company keeps adding to report.

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 2019-03-02
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Made 3 payments to XXXX XXXX : Ck XXXX {$75.00}, Ck XXXX {$40.00}, online payment {$33.00}. The remaining balance reflects a XXXX   balance online. I recently received a {$100.00} bill from a collection agency. I contacted the collection agency who suggested calling XXXX XXXX, so I did. While speaking with an agent regarding the matter the call was disconnected. I called back requesting to escalate the call to a manager and was given a different phone number that belonged to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX 's stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA XXXX loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX 's AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.

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 2019-10-30
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, I contacted Tek Collect by phone XXXX to pay a debt that is listed on my credit report. I asked to have the debt removed from my credit and advised XXXX XXXX " supervisor '' that I would be paying the debt by credit card. XXXX stated the debt would not be removed if I paid it by credit card it would ONLY be removed if I paid it by certified check or money order. XXXX stated that if it was paid by credit card that it would be reported to the credit agency as paid in full in about 45 days but refused to remove even though it was paid in full ; however if I paid it by cash it would be reported as paid in full and removed from my credit right away. After contacting your office I called Tek Collect back, spoke with XXXX again and asked for validation of debt ( stated she does not have ), debt collection professional ID ( stated she does not have ), but did give company street address of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This agency is threatening to remain a burden on my credit even though I am requesting to pay the debt in full because I won't give them " cash. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: STERLING JEWELERS, INC.
State: NC
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:
My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX XXXX stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA home loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX XXXX AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have two account with Navient. One was charged off to NAVIENT  XXXX XXXX XXXX private loan. The charged off account has been in repayment for four years making monthly payments and not missing any. I was told by Navient I had to pay a lump sum ( XXXX $ ) to have my co-signer removed from my charged off account. My co-signer is still on my account. My payments were applied to accounts wrongfully and when addressed Navient applied payments but the interest rate for my charged off account was very high. My XXXX report states failed to pay for the past two years. Navient was contacted several times regarding credit reporting and has yet to address it. My credit score is significantly affected by Navient 's false credit reporting. I have documents that support me making consecutive payments on time for several years. The school my loans were from has closed. The loans are from 2005, I have been making payments and my loan amount is still showing I owe more original balance {$6500.00}, showing I still owe {$11000.00}. The practices that Navient uses is unethical. Please help me resolve this as this is affected my credit score. I have called Navient and asked them to resolve this multiple times and was told I have to write to Navient directly which I did. I have not received any additional information regarding the credit reporting. NAVIENT  XXXX XXXX XXXX only corresponds in writing not over the phone. Please help me resolve this as I mentioned this is unethical. Thank you!

Company response to consumer: Closed with explanation