BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: CITIBANK, N.A.
State: WI
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:
I made a purchase on XXXX on XX/XX/21 for {$280.00}. Because of covid I had to cancel and I was in a dispute with the host. XXXX and the host refused to refund that amount so I filed a credit card dispute, During the initial stages XXXX agreed to refund {$46.00}. These created some confusion because there ended up being 2 credits and 1 debit on my account for {$46.00} because I called to reduce the total dispute by {$46.00} because they voluntarily refunded that. After dozens of back and forth with both companies XXXX decided to refund that dispute on XX/XX/XXXX, This coincides with the time of Citi stating in my disputes that they resolved the case in my favor and were going to grant the payment of {$280.00}. But, with the reduction of {$46.00} it should have been {$230.00}. But instead of that they refunded two credits of {$20.00} and {$26.00}, if you do that math it is {$46.00}. This means, between the two {$46.00} credits I received {$93.00} back, which is number not related to anything with the dispute. So, with that said, Citi owes me {$280.00} - {$46.00} - {$46.00} = {$180.00} still. I have called Citi several times to inquire on this but all they do is say that they will send an audit to the team that made that error. Please send me {$180.00} via check or credit to my 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 monetary relief
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money was stolen from bank account from an unknown merchant in Texas. I called to dispute the claim on the phone, got done with it and they said they would contact me. They denied it saying I did make the purchase but I live in California so that's impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: Public record information inaccurate

Complaint:
REQUESTING TRANSUNION TO REMOVE " 2 '' HARD INQUIRIES FROM MY CREDIT 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 2019-05-16
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive reached out to ERC several times in writing requesting validation for the debt, Each time they send me back some documents that does not explain or validate the debt. I called and spoke with a representative and they told me that this is from an account in 2007 with XXXX. I explained to them, Ive never had this provider and they did not have any suggestions to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2022-02-02
Company: Chime Financial Inc
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:
On XX/XX/2022 someone used my debit card information to make a fraudulent purchase of {$530.00} from XXXX XXXX XXXX. I disputed it with my bank, Chime ( banking services by XXXX Bank XXXX and in a very quick turnaround they denied my claim. There was little to no time for any investigation to be had. I've called and pleaded with them to reopen the claim, but they tell me I need to bring new information to the table. I contacted XXXX XXXX XXXX myself and they've told me that they can not look up any transactions without a ticket number ( which I obviously do not have ). I've hit a dead end and have simply lost {$530.00}. 

I've never even heard of XXXX XXXX XXXX before this. I've never traveled to the XXXX XXXX. I have geolocation on my phone proving I've been in America all year. If a real investigation actually occurred, any sane person would realize I did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Ive gone online and called capital one about refinancing after 15 months of 12.12 % paying on time. I feel I should be entitled to a lower interest rate and if capital one wants to keep the consumer work with them! They say as long as your their customer already they wont refinance! I find it absurd and almost discrimination they are getting low credit score people at high interest rates and saying to bad for you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Phoenix Financial Services LLC
State: MD
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 recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, XXXX XXXX XXXX AND PHOENIX FINANCIAL SERVICE**** are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Stearns Ventures, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
A government entity assisted me on my home mortgage during the Covid-19 outbreak by making a check for {$2100.00} that was mailed by accident to a prior servicer called Stearns Lending / XXXX. XXXX XXXX XXXX from the XXXX County Community Services Department Office of Social Services where check # XXXX was issue from for amount on the complaint letter. Myself and XXXX have contacted loancare numerous times requesting that they find this check asap which they cashed on XX/XX/2020 after check was send by mistake on XX/XX/2020. They provided a ticket reference # XXXX. They've been telling both us and giving us the lies that they escalate and someone's is tracing this. Now I asked you or anyone reading this XXXX has send photocopies of bank check showing loancare cashing this but refuses to refund back the amount or sending this amount to correct servicer which is XXXX XXXX Mortgage so my account is updated. Instead there playing around and trying to keep money for themselves which is theft. I've even called executive office today XXXX and spoke Mrs. XXXX which administrative to XXXX XXXX and acted very unprofessional and seemed not to care about situation at-hand. I asked anyone reading this check the reviews for yourself. Why would you want to do business with someone that's keeping a check that belongs to someone else. I've explained to several supervisors of this company XXXX got this check was given to me during the covid-19 to assist me with another loan that's not them. These individuals can care less making promises that they broke their self they never return my calls or anything instead which is bunch of Lies like I said on reviews. A company like this should not have a license to operate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been CORRECT & VERIFIED?. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Im really worried that some of the information on my credit report on this account may be reported inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. 

It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? 

Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I negotiated a new lease on my XXXX XXXX with XXXX XXXX in XXXX XXXX, Florida. Despite a 3 hour negotiation none of the XXXX employees advised me that my lease for the new car would overlap the last month of the old car. This resulted in my making two payments in one month for one car. If I had known I would have opted to either negotiate that XXXX pay off my last payment or I would have opted to wait a month before signing a new lease. 

The result is I paid {$250.00} to XXXX for a car I had returned during the signing of a new lease. I feel this practice was either deliberate or the sales personnel were to eager to sign a new contract that their attitude was the consumer be damned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
Because XXXX has not removed a fraudulent account from my credit report, my attorney wrote to Barclays Bank Delaware, the owner of the fraudulent account, and instructed the company to close it and take all appropriate steps to remove it from my credit files. 

Although he mailed this request on XX/XX/2019 ( over 60 days ago ), neither he nor I have received any response from Barclays Bank Delaware and the fraudulent account remains on my XXXX  credit 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 2020-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2019-05-16
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company placed an illegal debt on my credit that was already paid I had several account with XXXX and I switched all 15 lines over to XXXX XXXX XXXX. Unfortunately, my assistant neglected to pay one of the XXXX accounts ... as soon as I found out I called XXXX right away and paid the debt. I was informed my the Supervisor XXXX that the account had been taken care of. 

Two weeks later I received a notification that a derogatory account appeared on my credit for XXXX I called the company and was advised that the XXXX account had gone to collections. I informed the representative that I paid XXXX XXXX in full ... he I plan on contacting the FTC and the AG office. If this account was in fact in collections .... I would not have been able to pay XXXX. They would have referred me to the collection agency to pay the debt. Also I am very concerned that they added on a fee of {$89.00} and they are bullying me to pay this amount when I satisfied the debt with XXXX. said the {$89.00} in what I owe to the collection agency!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Paramount Recovery Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
back in XX/XX/2015, a car accident occurred where i had to be taken to the hospital by a friend ( not ambulance )! at the time this occurred i had and still have state medicaid. which should have covered the bill. and for some reason now they are denying the fact they can verify that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My loans with Navient have been late/past due for two months now, due to financial hardship. For the past three weeks I have received repetitive phone calls, no less than ten per day between two phone lines. I have spoken with representatives on NUMEROUS occasions and explained to them that it would be two weeks until I would be able to bring the account current. Hanging up with them, and hour later they call back. Over and over. I spoke with two representatives the week starting XX/XX/XXXX. Spoke to them again the following week, repeating the information I told them already. They repeatedly call, I have told them at least 5 times to stop calling and that they were harassing me, but this did nothing. Finally I go online and paid the past due amount to bring my account current on XX/XX/XXXX. I again, approximately an hour later received a phone call from Navient. I told the women I spoke with that I paid the past due amount. Not even 15 minutes after that phone call, the land line rings, and again it is Navient, I ignored the call. Two hours later I received another phone call, at which point I very angrily told the newest representative that it was paid and they were informed of it and are STILL calling. 
This has been extremely stressful, I have been very polite up until a point, I have been explaining my situation, and despite the unwillingness to work with me to get me some type of alternate payment option, the only thing NAVIENT seems to do is repeatedly call to harass. This needs to be reported and fixed immediately, so that others do not have to suffer needlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XXXX of 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 2020-12-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I really need help removing old addresses that don't belong to me and it's not even required under the provisions of FCRA. I've contacted each credit bureaus individually and sent them all the documents for over a year now, but they've failed to removed those addresses on the attachments. Please see the attachment for detail. it's my understanding under law, that the agencies are held to a high standard to ensure that the information on the consumer credit is 100 % accurate and things that don't need to belong there, therefore, need to be removed. I'm asking again, and I've attached it here as well, Please delete those addresses. As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate. Please delete and send me an updated 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