BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received attached Discover letters dated XXXX & XXXX. Please send the transcripts of conversations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. And transcripts of calls in XX/XX/XXXX regarding settlement options as mentioned in letter Dated XXXX. Discover is viewing these settlement options as assuming liability but is nothing more than trying to get rid of a 3-year nightmare. 
Please send details on fraud investigation regarding the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please send name of bank, account holder, time of payment, and source of payment either mobile or computer. Please also send the transcripts of these three payments made over phone. XXXX deemed payments made from your XXXX my XXXX financial institution per letter dated XX/XX/XXXX. If a proper, thorough, and accurate investigation had been conducted by Discover, Discover would have realized these were not my institution and not my authorized payments. The XX/XX/XXXX letter also references your financial institution advising they were unable to locate the bank account ending in XXXX. This is fraud, hot check and THERE ISNT ANY REASON THAT I WOULD HAVE DONE THIS! Yet Discover determined no fraud occurred.

Please send copies mailed USPS for the notification of returned payments sent to address of reference as reflected in your Letter dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
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 was billed {$38.00} by XXXX on my XXXX statement from Chase Visa. I contacted Chase Visa shortly thereafter to dispute the charge. The charge resulted from misleading advertising and was for a product I am unable to access in any event. I have contacted the firm to request their ceasing to bill me, but I have received no reply. The charge has appeared on the next statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-09-28
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
DEAR CFPB : This matter is a continuation of the debt in reference to the same collection agency. in the 2 other accounts. I am asking the collection agency not to contact me any longer, to contact my attorney. this matter where already PAID to the collection agency. So please do not call me do not harras me and do not write me any more. Thank you Respectfully yours ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
I have been disputing a credit card that is reporting on my credit reports. Bank of America is the bank. XXXX has finally removed this account off my credit report However XXXX and XXXX are still reporting it. I keep disputing it and I keep getting the results of the investigation are that the account has been verified as mine. I just put this dispute in with XXXX again 3 days ago and they got the results of the investigation within 3 days? Unheard of. I was always told I have to allow 30  days for the investigation I also explained in my dispute that XXXX has responded to delete the account and XXXX and XXXX should be receiving the same response. I spoke with corporate office supervisor and explained that I did not make these purchases. I received a call back from corporate office a week and a half later and was told because it 's fraudulent charges they will send me paperwork to fill out and return which I did. Finally XXXX removed it but XXXX and XXXX are not doing a thing about this and my credit score is being ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I was charged XXXX in over draft fees. Furthermore here was a fraudulent charge in the amount of XXXX dollars and XXXX cents. I then again was charged another XXXX dollars for over draft fees on XXXX the XXXX, although there should have been enough funds to have covered the balance for an atm withdrawl. I went into a branch and the representative advised me to get a new card in which I did and at the time the representative advised that I call to dispute the fraudulent transactions but each time that I do, they hang up on me, transfer me to the wrong department Or no one end up picking up the phone. I then went in and tried to go into a branch for a second time to resolve the issue at XXXX located close to my house and they denied me entrance because they had told me they were closed yet, the door showed that they closed at XXXX. Poor customer service and illegal fees is all this bank has done for me. I am requesting for all the fees to be reimbursed immediately and for the fraudulent charge that was done on my previous account to be credited as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My social security card, ID, and PNC debit card was stolen on XX/XX/2020 at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I was at my friends apartment when people we did not know showed up and went through my purse when I was not around and stole them. I contacted XXXX  and placed fraud on my account. I am going to file a police report and contact the SSA on Monday when they open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXXXXXX XXXX XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized

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 2018-07-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was enrolled in autopay to lower my monthly payment when in XX/XX/2015 my loan went from $ XXXX/month to {$750.00} and almost over drafted my account. I worked for weeks to get my payment to a steady $ XXXX/month over the next 20 years. Since then my monthly payments have increased incrementally and I now pay {$480.00}, of which {$100.00} in just in added interest - none towards my actual loan repayment. I can not afford this nor will my loan be paid off in a more timely fashion. When I asked about lowering my monthly rate I am told there is nothing I can do. They told me there are no income based options for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Filled dispute for fraud charges made to card reported on XX/XX/XXXX immediately they close down cc. They would send out replacement card should received within couple of days. I placed a call informed would receive card on XX/XX/XXXX called several times every agent overseas not onshore agents. Informed me I would get the card. Money on the card they refuse to issue my money. Then, called spoke with supervisor inform me would be here on XX/XX/XXXX still no card. Need my money back and to close out this card. Has been nothing but trouble with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alliance One debt collector Account # XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  BALANCE DUE : XXXX I ONLY WILL DEAL WITH THE ORIGINAL CREDITOR TOLL FEES WERE PAID THIS XXXX IS SOME ASSESSED LATE FEE ( S ) ADDED ON AS ADDITONAL MONEY OWED I AM TAKING IT UP DIRECTLY WITH ORIGINAL CREDITOR ONLY- ASKING FOR A WAIVER OR FORBEARENCE DUE TO NATIONAL EMERGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 explanation
Consumer complaint received 2020-10-31
Company: CBC Companies, Inc.
State: IA
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:
XXXX is not reporting accurate information. If XXXX was reporting accurately, my reports between Innovis, XXXX, XXXX, XXXX would all be IDENTICAL. I have disputed 3 or 4 times with Innovis and they do nothing. I have disputed with the other 3 credit bureaus and they do NOTHING. I have disputed with XXXX several times and they do NOTHING. I have file complaints with CFPB and YOU DO NOTHING TOO. 

Attached is the Innovis payment history. Please explain in DETAIL the below FACTS. 
XXXX, XX/XX/XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. INCLUDING XXXX of XXXX has a different payment report than Innovis, XXXX, XXXX, and XXXX. How does XXXX report XXXX of XXXX different to 4 credit bureaus? How does XXXX say they are correctly reporting, after probably over 20+ disputes with every credit bureau and through XXXX directly, if they have 4 different reporting for 1 MONTH. HOW IS THIS POSSIBLE? 

XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau, and XX/XX/XXXX is different than 2 others. 

How is the Account Status 30 days past due when I do not have an account with XXXX? The other 3 credit bureaus are reporting account status CLOSED. 
How is it past due when there are 2 other credit bureaus reporting payment was made in XXXX? 
How was last payment made on XX/XX/XXXX when there are 2 other credit bureaus saying I made payment in XXXX? 

DELETE THE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: PA
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 uploaded additional documents also have a Identity report they still refuse to remove information off my credit report I have no knowledge of these accounts and its hurting me to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, 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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXXXXXX {$1500.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: WELLS FARGO & COMPANY
State: CT
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:
Wells Fargo HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for Wells Fargo HELOC. This account was also verified with XXXX   Mortgage Service and me on the phone and Wells Fargo stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX Wells Fargo added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late  payment fee. I have been working with Wells Fargo HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and Wells Fargo is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. Wells Fargo is one on the worst organizations I have dealt 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
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DID NOT BENEFIT ANYTHING AS A RESULT OF THESE ACCOUNTS BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANIES.

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 2017-08-04
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: Account information incorrect

Complaint:
My credit report is inaccurate, I have tried numerous to contact XXXX, Equifax, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2007 I took out a loan via a local bank, which is affiliated with American Education Services. Since receiving this loan I have tried my best to repay the loan. I am unhappy with the fact that the interest which is calculated at a daily rate keeps climbing. My original loan was {$16000.00}. So far I have paid {$7600.00} towards the principal and {$7400.00} in interest. That is a total of {$15000.00}, yet my balance owed is {$10000.00}. The calculated daily interest rate is what is used to keep you indebted long term as it keeps climbing, my current interest rate is 7.75 %. Why is this kind of unethical " practice '' legal, and what can I do? It's absolutely ridiculous that lenders can steal from borrowers as that is precisely what they are doing when they keep hiking up interest rates to keep you indebted. I do pay on my loans to the best of my ability in the hope of reaching the finish line of being student loan/debt free. But at this rate it is almost impossible when the lenders are allowed to sink their theiving fangs into people like myself who are trying to rid myself of the modern mob bosses who have free reign to do as they please to exploit the poor.

Company response to consumer: Closed with explanation