BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: NJ
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 a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The way my payments are being applied, some payments go strictly to interest alone and nothing is being applied to principal, and when it does it is a very small amount. When I asked for an amortization table so I can understand how the payments are applied I was given excuses and still have not received one or an explanation how the payments are to be applied. 

Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: FL
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 CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: FL
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 recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX Personal Credit Card Account : CLOSED - Account Number : XXXXXXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with Harvest Associates. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2017-09-15
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan that has been serviced by Great Lakes. 
In XX/XX/XXXX, my income driven repayment application was approved, and on XX/XX/XXXX, I made my first payment under IDR.
In XX/XX/XXXX, I submitted documentation that I work for a XXXX XXXX.
In early XX/XX/XXXX, I renewed by income driven repayment application. On XX/XX/XXXX, I received confirmation that I was approved. 
On XX/XX/XXXX, I made a payment of {$500.00} to Great Lakes. 
On XX/XX/XXXX, I got a notice from XXXX XXXX XXXX that they were now my servicer and that my account was delinquent. Evidently, when they transferred my loan from Great Lakes at the end of XX/XX/XXXX, they failed to transfer my last payment to Great Lakes. They also did not transfer any information about my income driven repayment plan. 
I have repeatedly contacted Great Lakes and XXXX to find out how I can get my balance to reflect my XX/XX/XXXX payment. As it stands right now, my account is showing up as delinquent, even though I made a payment in XX/XX/XXXX. In addition, they 're claiming I 've only made 7 qualifying payments under PSLF, even though I 've been making payments early ever since going on the IDR plan. Every time I talk to XXXX, I get a different, albeit not helpful, response. No one seems to know where my last payment went and when it will be reflected. I am being penalized for XXXX 's mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi my name is XXXX XXXX there was a transfer threw chime for {$1900.00} to the wrong recipient the money was sent to a account that no longer exists I informed chime I was told to rech out to the party or recipient that receive funds but how wen the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion and XXXX  have addresses that aren't mine wrong dates accounts still open wrong balances XXXX has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says

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 2019-02-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Creditors Bureau Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Earlier this year I noticed that my XXXX Credit File appeared to have an outstanding collection from the Creditors Bureau Associates for {$380.00}. I have reached out to this company directly twice via certified mail ( receipts attached ) to no avail. I have asked the company to send debt validation to me. They responded via mail that I am outside of the statue of limitations. I sent a response to the company to say that if they can not validate the debt, it should be removed. The company did not respond. I have no idea where this information was obtained, however it is being reported erroneously to XXXX. I ask for some assistance handling this situation with Creditors Bureau Associates as they are unwilling to provide me with an information as to where this debt was originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I ordered my Way2Go recieved debit card 3 weeks ago and still havent gotten it in the mail and i need a replacement card sent to my mailing address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: AMERICAN EXPRESS COMPANY
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:
American Express promotes to new credit card holder to sign up for its Platinum personal credit card with an annual fee, and the new cardholder will receive XXXX welcome bonus points XXXX to XXXX weeks after meeting the spending requirement of {$5000.00} and satisfying its terms within 90 days of opening the account. I had met the requirement and company has not given me the bonus points after XXXX weeks and telling me to wait for another XXXX to XXXX weeks, despite me contacting them 4 times and their reps told me repeatedly the bonus will post in XXXX to XXXX weeks. 

American Express finally opened a case on XX/XX/2019 and I was told it would take XXXX weeks to work on the case, but it usually would be much quicker. After checking with them each week for the last XXXX weeks, I was told they are still working on the case. It has been around XXXX weeks and I don't know if they will honor their agreement or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: TCF NATIONAL BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX of this year TCF closed its local branch in XXXX, AZ and transferred its busness to XXXX XXXX XXXX XXXX ( XXXX ). At that time I tried to move an IRA account from TCF in XXXX to XXXX but was one day late to do so. I called TCF and was told I needed to fill out an IRA Distribution Form. TCF said it would mail me the form. Two weeks later I received a Change of Address Form. I completed the form and mailed it to TCF after calling TCF again asking for the rollover form. Several days later I received and completed the form and mailed it to TCF. A few days later I recleived an emaill from TCF asking for my personal information which I sent to an email address requested by TCF. Several days passed. I called customer service several times and got no answer. Finally, on XX/XX/XXXX I sent a certified letter to TCF and noted that it was delivered. I finally reached customer service on XX/XX/XXXX. told them my problem and they took all my information and said they would get back to me that day. Today is XX/XX/XXXX, and I have not heard back. I don't believe that TCF intends to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Constar Financial Services, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent a letter for a dept from XXXX XXXX  that was paid in full from XXXX XXXX XXXX XXXX. I have the email from XXXX stating the account is paid in full. I do not know why this company is contacting me or trying to collect a dept that's already paid off. I have sent multiple emails to them with proof of that account paid in full with the same account number and they have failed to respond back in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: LTD Financial Services, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant and repeated calls from multiple different numbers. Looking for someone I don't know and never heard of. Calls have continued for months averages several per week. Lots of different tactics, all annoying and disruptive to my work schedule. First they would play a robo-recorded name of the person they wanted ... VERY LOUD over and over, then hang up. Later they would just let the call run without saying anything filling my voice mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by the " XXXX XXXX XXXX '', XXXX, good luck with that one. XXXX XXXX, XXXX XXXX, tx XXXX was what i was given, lol. I was told up front, apparently that was a lie. XXXX for the first three months, and XXXX dollars a month or less for ten years Since I 've worked in XXXX  XXXX for 11 years and based on my income, and thanks to Obama. No mention of futher monies. I tried contacting them during the first months or upfront pay period and nothing, no return calls only a voice mail. Thank you in advance for any and all help. XXXX XXXX, XXXX. Now they are texting demanding more money and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Square Inc
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have never received my card or line if credit I have no checking it savings accts no bank ad a result if fraud and embezzlement please send me a check or card to my address I haven't received anything from you ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Thank you ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was notified in XX/XX/2018 that the bank was increasing my interest rate from 14.24 % to 16.99 % arbitrarily and if I did not wish to continue using my card and pay the higher interest rate I would have to close the account which I did on XX/XX/2018 keeping my rate at 14.24 % and I received a letter dated XX/XX/2018 confirming this. Preparing my taxes this year I noticed the bank had been increasing my interest rates which now stands at 15.24 %. Their customer service rep states I didn't close my account until XX/XX/2018 not notifying them timely therefore they could charge higher interest now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase at a store inXX/XX/XXXX, with payments to be made through PayPal. I chose this mode of payment because they offered six months of no interest. My goal was to pay it off in six months. I made my first three payments via email statements from them, to my email address. Then the email statements stopped. Throughout this period and beyond, I never received email or paper statements through the mail. 

Fast forward to XX/XX/XXXX, when I received my first paper statement from them, saying that I was delinquent in my payments and had accrued {$350.00} in late fees and interest. 

When I immediately called, to try to understand what had happened, I was told that the email address on file for my account ( at Paypal ) was different than mine- VERY different. That had never been my email address. I sent documentation to show that they had my correct and only email address beginning in XXXX, when this transaction was initiated. 

I was horrified that this happened, and sent a check for the balance due, which was {$1400.00}. That did not include the interest charges and late fees. 

I requested that those fees be waived, as I never received any statements from them after XXXX. I did not want to be penalized for not receiving statements after that point. 

I was told I could write a complaint to a particular department, which I did right away. I sent it " certified '', to make sure it was received. After no response, over a few weeks, I called again. They said they received it, but were still not willing to hear my story. I continue to get monthly bills, with additional fees, and feel strongly about NOT being penalized for NOT paying those months that I didn't receive statements. Their customer service team is simply not willing to understand what happened, on my end. 

I have a very high credit score, and I always pay my bills on time. If I had seen the " missing '' statements, I would have paid those bills. Instead, I stopped getting them, and forgot about the balance due. Out of sight- out of mind. 

In the enclosed attachments, you'll see that they had my correct email address in our first few transactions. I never changed my email address! One of the representatives I spoke to, said that they always sent their statements through the US mail, which never happened. It was always through email. 

I would be happy to discuss this with anybody on your team for further clarification. 

I appreciate your help with 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