BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2022-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Social Security. Something is wrong with XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2019-05-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had my bank pay off my credit card with a secure check. The credit card company cashed the check and still hadnt applied the monies to my account. The statement was mailed with the guaranteed check. I also have a copy of the cleared check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
When I first purchased the Loan from Lending Club, I was told that if I make on time payments in the amount for {$650.00} 6 consecutive month 's I can then refinance at a lower rate. My Loan amount was {$15000.00} but was given {$14000.00}. When I did come back to them to refinance they told me that I could not get my payments lowered and I would have to pay the {$650.00} a month. I informed them that I couldn't make the payments but they didn't care. I informed them that I was not going to send anymore payments because I couldn't afford it. I then went through a debt consolidation company called XXXX XXXX XXXX ( XXXX ) of which I started paying them {$450.00} dollars to resolve my debt which I see they didn't help because Lending Club was part of the fee 's I was sending to the debt consolidation. Just recently, I received a citation XXXX XXXX form XXXX XXXX not knowing it was Lending Club. After, receiving the citation, about two weeks later, received a judgement after XXXX, XXXX stating I missed the court date and the judge was on the side of the plaintiff. I never knew about the court date. I did reach out to several lawyers, and gave them the case number which they didn't see anything in the XXXX data base. They only had one citation I had from another creditor whom I disputed charges. I reached out to my debt collection agency on XXXX XXXX regarding the citation and who XXXX XXXX was, and my debt collection agency responded on XXXX XXXX informing me of who they were but at that moment, the judgement was already filed. Per the debt consolidation agency they stated that my statute of limitation started XXXX and ending XXXX. I do not know what month in XXXX it was going to end. My account was frozen XXXX XXXX, XXXX in the amount of - {$20000.00}. I had to settle to get my account unfrozen. They are making me pay {$18000.00} due to court fees when the loan was {$15000.00} of which I owe {$14000.00}. So, how can that be when I paid them 6 months of {$650.00}. The numbers are not adding up. I dont feel XXXX shouldnt be made to pay any legal fee and pay the amount over what is to be paid. I feel that Lending Club had no license to lend money online. Since, theres a law suit why am I paying outrages amount of the money? Why should I pay for legal fees when I was not notified and there was not enough information the on the citation. Only, that they had my signature from online. I know that the signature they claim to have is mine. Its was not enough time for me to dispute the charges. I feel I was ambushed and treated unfairly due to the XXXX XXXX dollar lawsuit they had to pay to the FTC. I need to know what I can due to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Affiliate Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me repeatedly using a phone number very similar to those that I frequent ( much like other scam callers ) so I had been ignoring the calls I received on Tuesday XX/XX/XXXX at XXXX and Wednesday XX/XX/XXXX at XXXX XXXX. Today, however, I recognized that the entire number was the same as the past two days and not just the area code and next three numbers. I answered and they inquired if my father was available, who is not registered to nor associated with my mobile number, so I asked who was calling. The woman told me she was calling from Affiliate Asset Solutions and again asked if my father was available or if I knew him. I asked her what this was regarding, and she said it was regarding " a business call, '' and once again asked if he was available. I asked her to repeat where it was she was calling from so that I could search it while we spoke and asked again what the call was in regards to, which she instead just replied with the question as to whether my father was available or if I knew him. I repeated my question of what is this call in regards to and by then saw on XXXX they were a debt collection agency. She repeated that it was " a business call '' and said she could not give me further information but still wanted to know if I had any connection to my father, to which I replied that I can't give her any additional information if she can't even tell me what the call is in regards to. She was about to start some script about it being a " business offer '' so I cut her off and let her know I'm aware that she's calling from a debt collection agency, that this number is not registered with the person they're trying to reach yet they've been calling me all week, and my number is also on the federal do not call list so this is collection harassment. I understand debt collectors are permitted to contact you, but after reading through my rights, it does not say anywhere that they can legally contact you and harass you on behalf of a relative 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SNATIONAL CREDIT SYST XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Is Saying I stayed at this apartment at a certain date but I didnt stay at the apartment at that time of date.. I even contacted the apartments and they didnt have any information on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Continental Finance Company, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but Celtic bank fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my 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 2023-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. Experian failed to accept my consumer complaint which is a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. I mailed them letters requesting investigation and validation of items reported by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  and XX/XX/XXXX. The letter was sent by me and included a copy of my driver 's license, social security card, and piece of mail to verify my identity and address. 

Experian responded by stating that they will not take " any action on my alleged request '' because they believe that it " does not appear to have been sent directly by me or to be authorized by me. '' I contacted Experian on XX/XX/XXXX and XX/XX/XXXX, and was transferred both times to 4 different individuals who said they refused to work on anything on my report until I sent them a cover letter and a copy of my driver 's license and social security card. I told them that all the letters included a cover letter and all those items but they said I need to send a Power of Attorney too. The letters were sent from me. There is no one to give Power of Attorney to. 

They refused to investigate.

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 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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 recieved my credit report. I have been paying off old debt the past five years. There is a credit card on my credit report from XXXX XXXX. I never  had a credit card from them. The only credit card I had was from XXXX XXXX. I have spoke to my wife about this as well. 

The credit card company listed says I owe {$450.00}. According to the report it states the following Account # : XXXX .... XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX First reported XX/XX/XXXX Closed XX/XX/XXXX I have only recieved one bill dated on XXXX Since then this is when I checked my credit report throughhXXXX XXXX  and have stating their was information on my report that was not accurate. To why I have my credit report provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Lending Club Corp
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: Problem with personal statement of dispute

Complaint:
Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/20 - one phone call XX/XX/20 - one phone call and message XX/XX/20 - one phone call and message XX/XX/20 - two calls and messages XX/XX/20 - several calls. Answered once, told person NOT to call again. Hung up. She called 5 times in a matter of three minutes. Then called me again a half an hour later. The company has been calling my job several times over the past couple of weeks. They have been told before, about a year ago, to NOT call this number. They told me that they had removed the number from their records. Obviously they had not. 

When I called them after work today, I talked to one person who told me she had removed the number from my account. I was then transferred to a supervisor who then told me he saw the number and HE would remove the number from my account. It's apparent that they do not remove numbers from the accounts. I expect I will get a call from them again.

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 2023-11-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have contacted American Express rewards program more times I can count, at least 10 times. My father had enough points to request 2 {$500.00} XXXX XXXX XXXX, per the customer service rep. the first five times I requested the gift cards, starting in XX/XX/2023, I received a generic back office reply stating that I did not submit all of the information. Customer service, the only department I could speak wtih, could not clarify what information was missing, and I had submitted all requested documents, including my dad 's will, my dad 's death certificate, letters of office stating that I could act as an independent co-executor, and details of the redemption request. Finally in XX/XX/2023 my attorney got involved, and Amex requested that I get my siblings to also authorize the redemption. When that was finally completed, I received a letter back that the gift cards were not available. When I recently called they indicated that that program went away in XX/XX/2023, and now I could only get Amex an gift card for {$500.00}, half the value of the original promised redemption and all notes are on our record that document the numerous emails and phone calls I have made to them over the past 6+ months. I have been caught in an endless customer service loop, and the value of my father 's estate should not be halved due to the original claim date. This has been an endless and very frustrating experience that has not yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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 have filed CFPB complaints XXXX and XXXX previously, reporting Portfolio Recovery Associates attempts to intimidate me into paying a debt that is not mine. Their responses, to date, state only that they are doing " what is permitted by law '', and totally ignore the clear evidence that this is not my account and that their notifications have been sent to a different person at a different address. 
I recently received notification that my Credit Score had dropped by more than 100 points, and, upon checking, discovered that Portfolio Recovery Associates has filed an ADVERSE ACCOUNT action in my Credit Report. All this, while clearly knowing that this is not my account and that I strongly dispute their claims. They are attempting to intimidate me into paying {$4000.00} that they KNOW is not my responsibility. Their tactics are clear financial elder abuse, and they should be prosecuted and barred from debt collection in all states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My vehicle under lease was hit by another driver, and deemed damaged beyond safe repair by my insurance company. My insurance settlement payout was structured to a value that would assist me in replacing the vehicle with a comparable one in the current market which has changed drastically since the car was leased in XXXX. Thus, the insurance settlement was larger than the XXXX XXXX XXXX XXXX BMW had provided me on XX/XX/XXXX ( states it is good through XX/XX/XXXX ). I was then advised by BMW Financial that they would be attempting to take my entire insurance settlement instead of just the lesser Payoff Quote - and would not allow my insurer to refund me for the difference. Apparently they feel entitled to profit on this and other accidents. I've checked with my insurer, and they said this is not a common practice by other leasing companies- most rightfully let the policy-holder keep the remainder of the payout. BMW has since said that the payoff quote has now been invalidated and purchasing the car early is no longer an option- they will only accept the full insurance settlement. When contacted about this, they sent me a letter mentioning the threat of negative credit reporting if they don't receive what they want- including any lease payments while my insurance payout is pending. 

A car accident serious enough to be totaled already caused me to waste an entire lease payment on a car I can't use while I had to deal with the insurance company for weeks, and incur expenses on buying a car in a market where the prices have gone up drastically. 

BMW Financial Service 's reasoning was that they were able to do so because language in the lease allowed them to do so. While only a court of law can say if the language in the lease is completely accurate and binding, only an individual with an absolute lack of morality would be able to say it is just for a large corporation to take a customer 's entire insurance settlement simply because they can. If you're familiar with the XXXX family who owns much of BMW, and have read the XXXX article about the family 's history of using forced labor in XXXX during the second world war, this lack of morality shouldn't be surprising- but it is surprising that a company of this size operating in XXXX would be allowed to create financial difficulty for American consumers simply because they can get away with it using specific legal language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
welcome I have an account with PayPal for about a year. I have been working hard with it. I have not violated any of the company 's policies, but a temporary restriction was made on my account and they asked me for documents to prove identity and information about my work, but I was surprised that my account was closed for no reason with an amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}

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 explanation