BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I have been having some issues with Discover credit bureau for a little over a year now. I reached out to them via email at their card member services website back in XX/XX/XXXX after I noticed that they had never reported any of my payments to them on my credit. I never received a response as well as after reviewing my credit again have discovered there was no action taken to report. My last payment to them was in XX/XX/XXXX for {$250.00}. I also spoke with a representative recently, on XX/XX/XXXX, about settling my account, In the conversation I asked the representative to email me a copy of the settlement agreement for my records, He advised me to make a copy of the conversation, confirmed my email address, and stated that they would email me the settlement agreement. The settlement agreement was never sent to me however. attached is the file i saved as a copy of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: I.C. System, Inc.
State: CA
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 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 2021-08-06
Company: Convergent Resources, Inc.
State: CA
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 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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft

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 2018-06-22
Company: EQUIFAX, INC.
State: FL
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 do not remember authorized " XXXX XXXX '' to obtain a copy of my credit report. Please deleted this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: AES/PHEAA
State: TX
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 recently got married so my income increased ; however, this caused my payment to triple under IDR. On XX/XX/XXXX 19, I contacted FedLoan and spoke with XXXX ( EID # XXXX ), who indicated that if I switched to REPAYE, my payment would only double, which was more manageable. XXXX and I discussed the " required '' month of forbearance where I would have to pay {$5.00} and I asked if there was a way to waive the month of forbearance and have the payment plan go into effect immediately. XXXX said she would request a waiver of the forbearance and have someone contact me to see if my payment plan could go into effect immediately. On XX/XX/XXXX19, I received my next bill from FedLoan indicating I would be billed for over {$1300.00} on XX/XX/XXXX19.  Therefore, I contacted FedLoan again on XX/XX/XXXX 19 and spoke with XXXX ( EID #  XXXX ) after being on hold for over 15 minutes. I asked XXXX about the status of changing my payment plan and she simply provided canned answers with no real explanations about why it would take at least another payment cycle to process the change in my payment plan. When I asked why I was forced into forbearance for a month, she did not provide any rationale behind the forbearance but simply stated it was required when changing payment plans. I have read the print on my application and understand that it states that but it does not make sense at all. It is obviously FedLoan making it impossible for borrowers to maxmize their payments under PSLF. XXXX was also extremely defensive when I asked questions about why this was taking so long seeing as I submitted the request a month before my next payment was due. She gave curt responses like, " There are thousands of requests received each day and we process them in the order in which they're received. '' XXXX also made an interesting point and said my plan change isn't even looked at until the forbearance is put into place, thereby delaying the process even more. It is absurd that the forced forbearance and new payment plan calculations can't be done at the same time. I am getting close to 120 payments under PSLF but FedLoan seems to be standing in my way more than anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 I initiated a transfer of {$8000.00} from my Chase checking account to my XXXX savings account. The amount was debited from my Chase account on XX/XX/20, but has never been deposited to my XXXX account. I have attempted to file a claim with Chase to have the funds returned to my Chase account, and the Claims department has given me multiple different answers for why they can not assist. On XX/XX/20 at XXXX CST Agent XXXX stated she was unable to assist and would need another department to help. She transferred me to agent XXXX at XXXX. XXXX stated she saw the transaction went through from Chase to XXXX, but stated I would need to call XXXX  XXXX XXXX to have it reversed. She could not explain how or why XXXX  XXXX XXXX was involved in the transaction, but as adamant that she would not complete the complaint until I called them. She provided a telephone number for XXXX  XXXX XXXX, which I attempted to call and found was out of service. XX/XX/20 XXXX CST : Initial CSR read the notes from XXXX and XXXX and stated he wasn't sure why XXXX  XXXX XXXX XXXX involved, but he believed the issue was with XXXX XXXX XXXX This also made no sense. He transferred me to CSR XXXX. XXXX 's line had extreme feedback and was not audible. She placed me on hold for 15 minutes before the line died. After the inability of the phone support staff to resolve the issue I attempted to resolve the issue via the Chase Secure Message service, but I was told on XX/XX/20 and XX/XX/20 that complaints must be routed through the phone center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: FL
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 received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with XXXX to freeze my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
On XX/XX/2018 I received a call from National Credit Adjustors about my account. I agreed to pay the account in the amount of {$610.00} if they deleted from my credit report as it was reporting in collections. They agreed. The payment cleared my account and they are still reporting my account in collections. The resolution I want is for it to be removed from all 3 of my credit reports. I have called several times and had have no luck with getting them to cooperate with their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am requesting that CFPB investigate the refusal by CapitalOne to process a Reg Z chargeback request instigated by XXXX XXXX XXXX and supplemented by me re our MasterCard ( acct no XXXX ). XXXX rental car submitted an outrageous bill for which it retained no prior written authorization resulting from a rental car transaction. The car rental was late and attempts to extend rental directly was impossible due to unlawful attempts to change the rate or the refusal to agree to unlawful price gauging. The credit limit is XXXX and yet capital one accepted a XXXX bill by XXXX, tacked it to our account balance, and then promised to issue a preliminary credit via 2 supervisors before suddenly closing the dispute. Capital Ones customer service representatives outsourced to non-US countries failed to document original Reg Z chargeback demands properly, sent out the wrong forms containing inaccurate amount of disputed charges, and thus resulted in about 7 calls before two supervisors confirmed the chargeback credit was to issue within 24 hours of last call to Supervisor. I am alleging a conspiracy to prevent rental car availability to Mr. XXXX and me for purposes of preventing us from driving and relocating to DC with XXXX XXXX, who has an active CIA EEO matter pending in DC. Capitol One, along with XXXX, and every rental car company has collusively resorted to the most extreme forms of unlawful business practices and made a mockery of blatant consumer protection violations to hinder interstate and intrastate travel. I would like Capitol One customer service recordings of both Card holders on this account to be played along with a review of the writing s sent to the address of Mr. XXXX while both of us were stranded in CA attempting to secure a rental car while XXXX and XXXX XXXX in Texas sabotaged an auto purchase of a unique conversion van intended to be driven to DC by XX/XX/2019. I would like this matter corrected and brought to the attention of the Senate Intelligence Committee as XXXX XXXX is familiar with the pending CIA matter of XXXX XXXX, who is my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a " XXXX XXXX XXXX XXXX '' American Express credit card in XX/XX/2019. On the American Express website the sign-up offer was XXXX points if you spend {$3000.00} within the first 3 months. I clicked on this offer and was approved for the card. 

I fulfilled the {$3000.00} spending with my natural purchases well within the 3 month limit.However the bonus didn't credit to my account. I waited a billing cycle to make sure and still no bonus. I contacted customer service and the representative confirmed that the offer was attached to my account but was rejected. I asked he open an inquiry to why, he said he would call me back with results. 
I never heard back so I called in again and they reopened the inquiry. After a week with no response I called a third time. 
The representative said the signup bonus was denied because I had another American Express credit card which I haven't used. The other card referenced was a " XXXX XXXX American Express card ''. I explained to the rep that I opened that card when I was planning some travel to take advantage of its travel benefits. After the opening and booking a flight I decided to only use that card when I'm booking flights. 
I asked why one card affects another when I explained how I plan on using my Delta Amex card.  The representative offered no explanation and only this was the reason they are not honoring the signup bonus for the XXXX card. 
I received NO warning of this when I was signing up for the XXXX XXXX XXXX XXXX card. If there was any problem with my other account I should have been denied and not mislead that I would be receiving a sign-up bonus. 
I have travel coming up and was planning to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a unauthorized transaction claim on XX/XX/XXXX, Sent them everything they asked for, it is 113 days later and i havent gotten my money back or even a single update, in a email they have sent me i was told that it will be resolved in maximum 90 calendar days, let me state again it has been 113 days! all of my money is gone and they are not doing a single thing about it and are not even updating the dispute in the legal time frame the fdic has given them!!!!! PLEASE HELP I JUST WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX  XXXX.

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 2017-11-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXXT XXXX, GA and XXXX XXXX XXXX XXXX, GA.

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 2019-06-11
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2019. I opened a dispute regarding fraudulent activity on my Equifax Credit Report. The confirmation number for the dispute is XXXX. I received an email stating that the results should take 30 days which is allowed. I've since checked my results and they have did not complete a valid investigation on one account that was disputed specifically XXXX- a collection item. I spoken to several reps to try to resolve this but they can not provide me results and one rep told me that " they entered the wrong code '' So he then advised me to open another dispute since It was still displayed on my credit report. But it has been pass the 30 days and the result for that account was not complete. This is a violation. It is now XX/XX/2019 no results have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been showing up on my credit report since XX/XX/2017. I have absolutely no knowledge if this account and know for 100 % certainty that I have not applied or received any loans for nearly {$5000.00} in many years because I have been working on fixing my credit. The last thing I would do would be to get in more debt while trying to get out of it. Each time I dispute the charge, I get the response " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I don't know what that means. I want this taken off my credit report. This is a mistake and I have zero knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting by the last five years to the credit agencies a car repossession that never happened. I already wrote to the credit bureau agencies about this situation, but the bank continue sending information about this situation that never exist. I do have my car title from about five years ago and move this motor vehicle from XXXX XXXX to XXXX on XXXX, 2016. I still have my car with me in XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Dates on my report do not make sense. The dates of payments are not true. All 3 bureaus are reporting different information. I also had gap Insurance.it paid The remainder Off. I disputed and it came back unchanged. received a credit account for the {$30000.00} from Ally. My reports say it was a loan. It was not a loan. That is not a true representation of the true agreement. 
The collection creditor constantly calls and sends letters I never agreed upon. Especially because Gap insurance payed balance. 


Ally financial XXXX

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 2019-05-07
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southern Management System a collections agency for XXXX XXXX XXXX   XXXX has been reporting to the credit reporting bureaus that I owe them {$540.00}. I have disputed this with the credit bureaus ( XXXX, XXXX, and XXXX ) and I have disputed with XXXX XXXX as well. None of these companies have furnished me with the proof that this debt belongs to me. I actually received an email from XXXX XXXX recently and in that email they attached an invoice for someone other than me. The invoice was created with some software and not a real copy of an invoice that was signed by anyone. This has been going on for months and its negatively effecting my credit score. I thought the credit bureaus would help but they haven't and the original creditor just gave me the runaround. I desperately need this off my credit report. I'm taking this step before I pay an attorney to represent me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/XXXX - XXXX illegally froze a members access to their checking and savings accounts after a electronic deposit was posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation