BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: National Credit Adjusters, LLC
State: OK
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 was never contacted by the debt collector and only knew about the debt from checking my credit. I have still not received a letter or a phone call from the company verifying the debt other than me calling to try to resolve it. I have not received a letter or phone call letting me know I could dispute it. Even when calling the company to see what the debt was they never offered me a way to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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:
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My Card Was Used in a year and half span for about {$7700.00} dollars. Citi promised to resolve the issue as soon as possible. Citi said it will fix my issue in 4 days I didnt get no conditional credit. My credit Balance is around {$4000.00} and my limit is {$5000.00} but my Available Credit line is {$0.00}. I been a paying customer never late paying over minimum on most of my payments.

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 2018-08-14
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is about this debt collector that is unknown to me and have a debt from a medical place that i live 1000 miles from and never went to! Just randomly showed up on my experian report under collections. I have written a Hippa violation letter to these people. ( XXXX XXXX-ACCT : XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Trying to collect {$780.00} for a debt that isn't mine.

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 2020-05-23
Company: EQUIFAX, 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:
The credit bureaus are reporting accounts wrong and there are several errors that need to be corrected because it is hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: MI
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:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit

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 2020-06-23
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
Equifax - their web site said my report wasn't available. I called, a male representative verified my information, and said to order my Credit Report again via XXXX  ( which I had already used ). So, I started it all over again, and it did the same thing ( my report wasn't available ) and to fill out a .pdf form, add copies of various personal information, mail it in, and I would get my report in 15 days. I decided to called the number on the .pdf form to find out why it wasn't giving me immediate access to my report. A very friendly lady asked me to verify my information again, and said " that's fine, but we still have to mail it to you and it will take 15 days ''. So, that is the way I left it, even though I needed the report immediately. There was absolutely no reason for my report to " not be available ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My American Express, as well as all my credit accounts, are always paid in a timely manner and absolutely never late. I never pay just the minimum and pay off large amounts of the balance but American Express repeatedly blocks spending on the account with many reasons why they Shut down the card. When I call in they tell me Im an excellent customer in good standing but they continuously shut off the card with a many u substantiated reasons. They have personally insulted me when I call to complain and typically get a representative from outside the US who does not speak fluently. The gentleman from XXXX I spoke with in Sunday was verbally insulting me and lecturing me on false accusations. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also and I still dont have this resolved. They charged me a {$550.00} annual fee last month but keep shutting off the card which doesnt allow me to access the benefits of the annual fee. This all seems fraudulent to me and would like Amex investigated. A customer in excellent standing should not have to deal with this. My account statement shows there is no payment due at this time and no preset spending limit which is evidently false. Being a XXXX XXXX I am making large purchases monthly and expect to carry a balance between 10-20k depending on need but it always gets paid and I pay large payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Bryant Bryant & Associates LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 at am, XXXX XXXX ( called from XXXX ) from Bryant Bryant & Associations asking for XXXX. He said he was an investigator looking for XXXX XXXX, and she was listed as next of kin. He claimed his client says XXXX is going around writing fraudulent checks and had been writing them to his client. XXXX asked who the client was, XXXX XXXX gave her a fax number for her to fax ( XXXX ) a Power of Attorney to speak on XXXX 's behalf about the case. I looked up to find they are a debt collection agency and I could not get through to a line. I, XXXX, do not owe anything, nor is it in my credit report of any missed payments, and I know for a fact I do not write checks due to the type of account I have. I have not received any notice on my report nor by mail of anything and feel I am being targeted because I am a XXXX senior. Plus, XXXX has not been listed on my forms in the past for anything let alone the number they called her on is not her personal number. I'm not sure if she is being the one actually targeted because she is 100 % XXXX permanent and total.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: ID Analytics, 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: Public record information inaccurate

Complaint:
I received notice that a company by the name of SageStream LLC is providing credit reports on me. 
1. ) First I am a victim of Identity them and I will not send them my personal information to obtain a copy of whatever report they claim to have. 
2. ) They are reporting to people a score of XXXX when the XXXX  and other agencies have my score at XXXX. 
3. ) I am a victim of identity theft and all three credit agencies have placed a security freeze at my request, this is a new agency that I have no idea who it is and may be allowing people to use my name and social!!! 

I was in fact approved for my requested loan once the dealership was authorized by me to access my credit score through XXXX which was XXXX, not XXXX as reported by SageStream LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CITIBANK, N.A.
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:
Citibank CBNA is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a Citibank XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 Citibank CBNA was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this 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 2018-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/XXXX, I applied for a Wells Fargo Secured Credit Card under my old name. When I applied, I spoke to one of the customer service reps who informed that after a year of maintaining a stable account balance on the card, Wells Fargo may return to me the security deposit in full that I paid as collateral on the card. It is now past a year and around the last week of XX/XX/XXXX requested that Wells Fargo return me the security deposit I paid to open the account. Wells Fargo denied my request based on their review that my account is not eligible to receive the security deposit refund yet. I disputed their decision based on my positive transaction history over the past 12 months including 2 PAYMENTS OF THE FULL BALANCE ( {$1000.00} ) in XX/XX/XXXX and XX/XX/XXXX. I also had made numerous full balance payments on this card within those 12 months in addition to being late ( less than 10 days past due ) ONLY 3 times. I really need my security deposit as I am struggling to find stable employment and the security deposit of {$1000.00} will help me pay off the current balance on the card.

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 2018-11-13
Company: BARCLAYS BANK DELAWARE
State: NY
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 Have Called XXXX XXXX and told them about my problems even paid off balances on these two card that where opened on my name fraudulently by my ex Wife.

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 2018-08-14
Company: Santander Consumer USA Holdings Inc.
State: AK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a robocall from XXXX at XXXX XXXX on XX/XX/XXXX. The recording stated that there was a summons for me etc. The debt was charged of on taxes, and I paid the tax bill, several years ago. The company is simply wanting to " double dip ''. The debt is from XXXX, I paid the federal income tax in XXXX so it was charged off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I Have Called Honda Financial and advised that this account was opened fraudulently and have made a settlement to have this item removed from credit report as part as my settlement offer. As of now Honda Financial has not done their part of our Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Delivery Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX around XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$55.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. They agreed to remove erroneous charges. On XX/XX/XXXX received XXXX  Credit bureau notification that Delivery Financial reported the {$55.00} Medical Debt. I called Delivery Financial to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Delivery Financial is investigated for reporting collection debt to credit bureau and ruining my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX   XXXX, TRANSUNION and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, XXXX, TRANSUNION are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).

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 2021-06-25
Company: T.S. Holdings
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:
On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " I Q Data International INC account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, XXXX  nor the creditor, I Q Data International. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, XXXX  and the creditor, I Q Data International, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amex charges me a RENEWAL MEMBERSHIP FEE of XXXX on XX/XX/XXXX and canceled my account in XX/XX/XXXX. I didn't receive membership services for which I was entitled to as a member. I have contacted Amex on six different occasions to have this fee removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX told me to recertify every year for Public Service Loan Forgiveness. This year I mailed the required documents to XXXX as well as XXXX XXXX as required. However, XXXX claims to have not received the documents and ultimately turned my account over to Default Resolutions. I have since refinanced those loans with XXXX XXXX. But, by refinancing, at the mistakes of XXXX, my loan forgiveness started over. I have lost 3 years toward my loan forgiveness due to XXXX 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I contacted XXXX the branch manager at XXXX XXXX to attempt to refinance my auto loan with her, she took my application and informed me that she would get back with me, after a week had gone by with no return phone call, then I called her back and she avoided my phone calls for 3 days straight. On XX/XX/XXXX I decided to call a different loan place to refinance my auto loan with at XXXX XXXX XXXX, I had given XXXX at XXXX XXXX permission to give XXXX XXXX XXXX my current payoff while I was on a conference call with them, XXXX At XXXX XXXX then called back asking why I was moving my auto loan somewhere else and I informed her that I needed to refinance because I needed some additional money for vacation, she waited until this morning on XX/XX/XXXX and called XXXXXXXX XXXX XXXX back and wanted to speak with the branch manager there to disclose my payment history with them and went on to inform them that I had 5 returned checks since XX/XX/XXXX and 4 additional returned checks since then, so the branch manager from XXXXXXXX XXXX XXXX  called me right away to inform me that XXXX from XXXX XXXX was calling them and giving them information that neither they had even asked for due to privacy nor had I given XXXX at XXXX XXXX to disclose. I immediately contacted the corporate office of XXXX XXXX to find out why they allowed their branch manager to disclose personal information on me that I did not give permission to do and they had a District Manager by the name of XXXX XXXX call me, but he said it was not against any of my rights or laws for XXXX from XXXX XXXX to call XXXX XXXX XXXXXXXX disclosing my payment history and personal information, but I work at a Finance company as well and it violates my rights and we are not allowed to disclose anything to another creditor, especially to call them back just to make me look bad to the new loan company to keep them from doing my loan. I want something done about this and I want to be notified or if you can refer me to who I need to contact besides their corporate office or district manager because they are taking up for each other and I have all the proof and the branch manager as a witness from the new loan company. Thank you so much for your assistance in 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 2018-11-13
Company: SYNCHRONY FINANCIAL
State: NY
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 have called PayPal Extra Mastercard and the issuing bank for PayPal, synchrony bank and have not got any help until I tried settling for removal off my credit report and was not honored part of my agreement to settle the account even if it wasnt authorized by me to begin with.

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