BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not long ago this collection agency placed a collection on my credit report. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XX/X/2017 requesting validation ( please see attached ) and they responded in a letter stating that they had researched and the debt is valid. What kind of response is that? The fact is, I have never had an account with a company called XXXX. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a US citizen, 2 ) I am a veteran of our military, 3 ) I am a XXXX XXXX XXXX and lastly 4 ) They will NOT get away with this. They have chosen the wrong one to play games with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I tried to cancel the security freeze that I placed on my account, but the web software did not permit this. I had no trouble removing the freeze from the other 2 credit reporting services. 
On XX/XX/2020, I sent the requested documentation by USPS Priority mail to Experian. USPS reported that it was delivered on  XX/XX/XXXX. 
I repeatedly tried to contact Experian customer service by telephone, but they will not allow me to speak with a person.

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 non-monetary relief
Consumer complaint received 2018-02-01
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017 a payment in the amount of XXXX was paid to the account that was never posted to the account. The balance was then reported as over 30 days late with all three credit bureaus. After speaking with several customer service agents and providing proof that the payment was made Global lending services still refuses to remove the late payment from my credit repprts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA has locked me out of my account. I called for them to unlock my account I gave them my e-mail address which I use to send me a security code for me to log into my account and USAA told me they couldn't send me one. XXXX check company even though I had money caused me {$170.00} in overdraft fees, USAA refunded one set but has refunded the other 6 overdraft charges which totals {$170.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit Adjust won't removed off of my name an account that its not mine I have try to reach this company since last year and they would not removed this information off of my name and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Home Point Financial Corporation
State: NC
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: Was not notified of investigation status or results

Complaint:
Reached out multiple times to Homepoint Financial to have XXXX time late payment removed. The company was doing a conversion and switch company names. No action taking by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received a letter from Discover to provide photo ID and SOCIAL SECURITY CARD. 
( PHOTOS ). I am law enforcement and often on Special assignment. The letter was received 10 days after sent to me. I called Discover and made them aware of my situation. One I did not have a copy of my Social Security card and had to make a trip to the SS office to order a new one. Once I went to the office I was made aware that the SS offcie no Longer gave Receipts that included the Social Security number. It only ststed that a new card was processed.. I forwarded Discover what they asked for. However they had advised me it was 24 hours to late and the card was closed. I asked to speak to a Supervisor and was denied that opportunity on several occasions. Now the card is revoked and i was told was the card was closed all of the points and cash back earned would be credited to the card. However, there is clear discrimination here because was receiving my photo ID, the call was made to close the account based on ethnicity. 

Today they called me and said the card was not revoked and wanted a payment. i asked for a aSupervisor then and was told that I could reapply for the card ... this card has clearly damaged my credit. I have attempted several times to resolve this amicably with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Innovate Managed Holdings, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Called XXXX XXXX XXXX on or about XXXX, and advised were my auto loan with them. XXXX XXXX XXXX associate advised me that my auto loan was transferred from XXXX XXXX. Advised associate that loan was fraudulent from XXXX XXXX because they were not licensed in Pennsylvania to issue loans. The associate advised me she did not know anything about it, and advised me to continue making my monthly payments. On or about XXXX, my car was in an accident and XXXX XXXX XXXX company declared my XXXX XXXX a total loss and paid XXXX XXXX XXXX {$16000.00}. Called XXXX XXXX XXXX on or about XXXX and checked status of auto loan being paid in full from payment of {$16000.00} from XXXX XXXX. XXXX XXXX XXXX associate advised me that loan was paid in full. Check my credit report on XXXX, and seen charged-off amount XXXX, and it damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received {$200.00} as savings account bonus for a promotion by Chase in XX/XX/XXXX. The bank reports this as interest income on XXXX XXXX. However, for the last year they didn't send me one. When I called them up on phone, on multiple occasions the representatives gave a false reply that they don't report this on a XXXX XXXX even though my husband received a XXXX XXXX  for the exact same promotion in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have sent 2 certified letters to LEXISNEXIS asking to verify bankruptcy being reported on my consumer file with them.They receive letters on XX/XX/XXXX and XX/XX/XXXX.Ask for names, address, phone numbers of whom the contacted about bankruptcy being reported on file with them.Received first response from LEXISNEXIS ( saying after reinvestigation of the data in question. LEXISNEXIS  VERIFIED THAT BANKRUPTCY IS ACCURATELY REPORTING ON YOUR LEXISNEXIS RISKVIEW REPORT ) .The second letter basically was asking the same thing, asking for names, address, phone numbers.But instead they sent a RISKVIEW DISCLOSURE REPORT REQUEST.WHICH I DID NOT ASK FOR.PLEASE NOTE : BANKRUPTCY RULE 9037 WHICH STATES THATpersonal identification information defined as individuals, social security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with court.please help me resolve this problem of getting it remove from my consumer file with LEXISNEIXS.And any automated response or e-Oscar verification is unacceptable from LEXISNEXIS.THANK SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have these two collection accounts on my credit report from a company call XXXX XXXX XXXX which i have never done business with. It appears those two accounts are original from two capital one credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, XXXX XXXX XXXX started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos .

XXXX XXXX  Inquiry from XX/XX/XXXX+ All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX  Inquiry from XX/XX/XXXXXX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
RE : ACCT # XXXX ==>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Manager ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required30 day timeframe. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: CITIBANK, N.A.
State: MI
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:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

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 2019-04-07
Company: CITIBANK, N.A.
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:
XXXX refuse to clear my account They refuse to tell me where is the balance from There failed to process my dispute The. They reduced my credit limit from {$4000.00} to {$300.00} They toyed with me request stuff waisted my time caused me harm and Heath problem I am seeing attorney for law suites XXXX  thinks they could do this and get away with it This is how they do business When customer return everything they keep a balance so they could force customer to make payment pay interest Then when customer ask about the wrong balance they refuse to say they play around menaplate charges late fee do every cheat fraud in the book Thinking customer is afraid and pay without question This will be very costly for 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 non-monetary relief
Consumer complaint received 2021-05-02
Company: U.S. Auto Credit Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOMEONE WHO HAS STOLEN MY IDENTITY AND HAS PUT A CAR LOAN AND OTHER CREDIT IN MY NAME USING MY INFORMATION AND NOW THE DEBT IS BEING SHOWN ON MY ACCOUNT IS BEING OWED BY THE WRONG PERSON. THOSE ACCOUNT DO NOT BELONG TO ME NOR DO I HAVE ANY CONTRACT WITH ANY OF THE CREDITORS ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019 American Express lowered the credit limit on 2 of my American Express Cards. One was lowered {$8100.00} and the other was lowered {$5000.00}. This occured within minutes of a charge from a lawyer. I had a XXXX balance on each of the 2 Amex cards, and had never missed a payment with Amex or any other issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Personal information incorrect

Complaint:
Equifax Confirmation # XXXX XX/XX/XXXX Equifax hasXX/XX/XXXXXXXX XXXX XXXX XXXX  PA XXXX in which I have not had since XX/XX/XXXX which is wrong reporting information and not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have submitted disputes to you and I didn't a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes. Thank you!

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 non-monetary relief
Consumer complaint received 2019-04-07
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 information incorrect

Complaint:
after seeing my report on XXXX it showed that I had a missed payment 1 month ago their office is closed. However I call equifax to start a dispute I verified all my information and at first I were told I gave them the wrong social security number I hung up then called right back and they next rep told me I did give sufficient account  information. now I'm confused because last month I called and the same thing has happened I have been calling equifax every month since XX/XX/2018 I looked and seen alot of this were wrong on my report I called and everytime I'm told by the rep that they can't identify my account however I get asked over 10 - 15 questions about y account and can't get any thing resolved I'm always being told to fax in my request then my dispute will get process this is getting very tiring because my XXXX  friend called and only get asked 4 questions and get asked how can they help her i'm a XXXX XXXX and I have to be asked 15 different questions only to be told that I haven't given the right information this is very frustrating why is it other race don't have to go through the hassle as another race this is ludicrous. Now I have to wait until Monday before I can fax to get my credit report and to see which account is reporting delinquent then file an dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I had a medical bill with XXXX XXXX. This bill went to their billing XXXX  internal billing dept. I had called to pay the amount owed in XX/XX/XXXX and the XXXX told me that they would link all my account together and I paid XXXX. Since that date, all of XXXX and XXXX, I have paid all co-pays, or other bills that were patient responsibility not knowing that this bill was still open and I never got another bill. It was not linked and XXXX XXXX couldn't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i got a notice in the mail stating my wages would be garnished and was thentened with a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Continental Services Group, Inc. d/b/a ConServe
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:
On XX/XX/XXXX, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. OnXX/XX/XXXX, XXXX XXXX in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why XXXX XXXX let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
On XX/XX/XXXX, I received a letter from Treasury Dept stating that I owed the US government {$120000.00}. I talked Treasury Dept over the phone and explained it. Treasury Dept did not try to find out the truth. Instead, Treasury Dept sent the debt to XXXX XXXX XXXX, aka ConServe. On XX/XX/XXXX, ConServe sent me a collection letter and asked me to pay {$120000.00}. I wrote to ConServe to dispute the collection and request a copy of Proof of Debt. ConServe confirmed receipt of my dispute and request over the phone. I have not heard from ConServe for more than half year since I disputed the collection, nor have I received a copy of Proof of Debt. ConServe can not practise business in such a bad manner!

Company response to consumer: Closed with explanation