BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a letter to Transunion explaining that I am a victim of identity theft. I included the FTC Identity Theft Report, police report, Proof of Identity, copy of my credit report and the Fair Credit Reporting Act Section 605B as well as the fraudulent accounts it has been well over 30 days and these items were not removed as I requested. XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXXe account number XXXX, XXXX XXXX  account XXXX   and XXXX XXXX XXXX XXXX account XXXX, XXXX account number XXXX, XXXX XXXX account 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 2019-03-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX  XXXX was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: AMERICAN EXPRESS COMPANY
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:
OnXX/XX/XXXX my American Express serve card was comprised at a XXXX XXXX in New Jersey on this day which was a Friday. I was very sick that an ambulance was called to transfer me to a hospital because I couldnt breathe and had server chest pain I was taken to New York XXXX hospital on XXXX in ny XXXX and diagnosis with XXXX and the thing about this is my birthdate is XX/XX/XXXX there is no way I could be in 2 places at 1 time in which I explain in writing to America express serve with documentation of my whereabouts on this day I filed a chief complaint with them and they verbally told me that I would have to wait 45days so that they could investigate I waited those days but in between I called and called them I spoke to 3 representatives of this company 1st one was named XXXX he then redirected my call to a America express serve Dispute at XXXX and again they stated that it was still under investigation on XX/XX/XXXX I received a email that this transaction was being declined because I so called authorize this purchase so In turn they told me to download a claim notice and return it to them I followed there policy but as every phone call was suppose to be recorded I expressed to them that I didnt make this purchases because i was hospitalized as per my conversation with them to mail it to American express serve XXXX XXXX XXXX XXXX Ga XXXX and to American Express XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ny XXXX I mailed this on XX/XX/XXXX and I have yet to here from either one of the addresses that provide to me I would truly appreciate some service from CFPB and I have also filed a small claim case against this company thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-03
Company: Regional Management Corporation
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:
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company by the name of portfolio recovery is making my life hard very hard and stressful to all the calls that I keep receiving from different numbers and fraudulent tactics that they are using, by calling me with area code from Texas, New York, XXXX, Florida etc. calling me on a Sunday morning all time of night and day. I am a 100 percent total and permanent XXXX veteran that is currently suffering with XXXX and XXXX XXXX and it is not fair for this company to keep on bothering me. It is very unfair, unjust and unconstitutional for this company to be harassing people the way that they are doing. I have no business with them and I truly want them to stop or by any means to find a way to sue them and I will contact an advocate to help me deal with this company. Please make them stop it is not fair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. I have included my previous disputes since they have been sent 3 times with no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TD BANK US HOLDING COMPANY
State: MD
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:
I have been calling and submitting disputes because I have paid off two accounts. Target paid in Full on XX/XX/ and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX th. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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 called American Express customer service on XX/XX/2020 for an inquiry of product change from American Express everyday preferred credit card to American Express everyday credit card. In that phone call, I double confirmed with the customer service person named XXXX that after I do this product change, nothing will happen to my existing membership reward points. Besides, I also asked her if there is any documented record from American Express that can be used as a proof. The customer service, XXXX confirmed that the phone call would be recorded as the proof. By confirming these two points mentioned above that my membership reward points would not be taken away, I decided to make the credit card product change from American Express everyday preferred credit card to American Express everyday credit card. However, on XX/XX/XXXX, American Express did a point adjustment of XXXX points to my account. I believe either AMEX membership reward system or AMEX trained professional customer service person made the mistake that leads to deducting my membership point from my account. In this case, I tried my best to confirm with the professions from AMEX on the concerns I had. Therefore, I think I shouldn't pay the penalty and AMEX should give XXXX points back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dates are unknown but one if few creditors have made repeated calls to a step-parents work.. I never provided that info and I don't even know that info ... They have been asked to stop calling them on several attempts..NAME OF COMPANIES ; It is unknown which payment processing server is calling her. According to her they won't identify name of comoany, number is unknown because it us going though a switchboard no caller id ...

1 XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX None of these companies were provided with her work info.. All should have my address, my e-mail, and phone numbers for me and my wife..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
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 ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.

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 2020-12-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/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 2018-07-12
Company: Navient Solutions, LLC.
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I moved overseas in XX/XX/XXXX, and sent to Navient a reqeust for deferment, which was processed until XX/XX/XXXX. In XXXX I sent in new paperwork, along with updated address. I indicated that I did not have a US phone to be contact at. Rather than respond to my email attempts seeking assistance and confirmation of the paperwork being mailed, the company has been outright harassing my parents, until to 15 calls daily. How this happened is beyond me ; I do not reside with my parents ( for over 15 years ), and they did not sign for my loans. The law says that Navient is only allowed to contact them one time, unless agreed to more contact by my parents. Navient has now sent me an email stating that my loans are 8 months in default even though I was in defferment until XX/XX/XXXX. They are uncooperative and in general behave with harassing attitudes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
State: CA
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 just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from GC Services Limited Partnership in regards to the debt I owe to XXXX University. On XX/XX/XXXX I processed a payment through the given website on the letter. My bank account is showing that the payment has been processed and cleared yet their website is showing the debt is still owed and I continue to receive calls from GC Services Limited Partnership. These calls have been received the following dates : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I've explained this issue to the gentleman calling and he states that the charge does not show up in their system. I've also attempted to contact their company through email but the email address listed on their website appears to be incorrect as the emails continue to show that they can not be delivered. The customer service rep I speak to with GC Services suggests that I submit my payment again. I should not have to do this as the payment is showing as processed. I am concerned that this is fraudulent practice.By the company not showing that my debt has been paid, XXXX University is withholding my XXXX XXXX XXXX certification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 customer service

Complaint:
XXXX and XXXX # XXXX failed to listen to understand each word of the needs to connect a credit account to a checking one after an hour call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The items were removed by experian I check my credit for accuracy and experian had place the accounts back on my profile at a later date.

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 2018-07-14
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:
To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from XXXX XXXXXXXX which was not made be me and was 100 % fraud. This was not authorized by me. I called XXXX XXXXXXXX regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.

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 2018-07-12
Company: Kriya Capital, 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: Old information reappears or never goes away

Complaint:
I have owed XXXX XXXX XXXX for over 4 years a bill that was just recently bought by a different collection agency, Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are now reporting this as a brand new debt and not reporting the age of the debt. They did the same thing last month with a XXXX XXXX  collection account that we ended up paying XXXX XXXX. This is a completely unethical practice. They should be reporting the debt from when it occurred, not as brand new debt. 

The effect this has had on my credit has been huge. For the second time in two months our house closing has been denied just because of this company. This company has brought down my credit score over 50 points each month when the mortgage loan company goes to check to begin closing processes. We have now lost the house. 

When we called regarding the XXXX XXXX  bill, they at no time indicated they had another account for XXXX XXXX XXXX. They are rude, can't speak in a manner that you can understand, and are not helpful at all. They still haven't reported that XXXX XXXX has been paid in full even though they confirmed payment with XXXX XXXX while I was on the phone. 

Reading the reviews and on-line information, they should be forced to correct their reprehensible collection and reporting practices. We want this company to be truthful and report correctly. They are negatively affecting peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account set up with M & T Bank 2016 some time i believe in XXXX and some one accessed my account and overdraft my account up to XXXX  dollars and my account was flagged and closed being that i don't know too much about bank accounts and how they work the problem was never resolved.this account was opened in XXXX XXXX XXXX.I 'm just seeking to have this resolved being that XXXX dollars was taken when i made a deposit at the atm machine and i knew nothing about the overdraft.

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 2020-07-13
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested debt Validation from American Coradius International LLC that represents XXXX XXXX XXXX and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but XXXX  responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking XXXX to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
State: TX
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:
On or about XX/XX/2018, I, XXXX XXXX, went to a club in XXXX. When I tried to pay, my wife was notified by the Citi Bank credit card company.  My wife, XXXX XXXX, did not know I was there thus put an immediate freeze on the credit card. 
Due to that freeze on the Citi card, and once I made my wife aware it was me making the charge, we were unable to immediately release the freeze on the Citi card to pay my tab, so we used XXXX XXXX, a friend 's, credit card to pay the FULL tab. 
( Of which I have an email confirming the payment and communication with the bar manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas ). 

XXXX and I noticed a couple days later that our Citi credit card still showed the transaction as " pending ''. So we both called Citi Bank and discussed with them that the charge for the Club should not go through because 1 ) Our Citi card was frozen, and 2 ) we had proof ( in an email and with receipt ) that the payment was, in fact, made with another credit card ( XXXX XXXX ). So we submitted a formal dispute with Citi.

Citi recently emailed XXXX to say that they would not stop the payment to the Club. 
That is exactly why we are filing this claim. Our card was frozen and the payment was already made with another credit card, thus Citi should NOT charge us. 
We feel that Citi is taking egregious advantage of us.

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