BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My monthly due date of Discover Credit Card is XXXX. I MANUALLY made a full payment of XXXX statement which was {$470.00} from my XXXXXX/XX/XXXX checking account on XX/XX/2020, however, Discovers system made an autopay on my XXXX XX/XX/XXXX checking account for full payment of my bill. It means therere 2 full payments for my XXXX statement, and I found both of their status were POSTED on XX/XX/2020. So I called Discovers hotline immediately and told their agent I only wanted to make one payment. They canceled one of those 2 full payments for me. I thought it was done for this case, until I found there was one more autopay from Discover with same amount for my statement was made on my XXXX XX/XX/XXXX checking account on XX/XX/2020. Then I called Discover immediately again, and asked whats going on. They told me their system found their first AUTO DEBIT from my account was unsuccessful, so this was systems second try automatically. But Ive fully paid my statement on XXXX. I dont know which payment you manually canceled one of them for me on XXXX, but now, my statement was fully paid. Before you system automatically debit for your second try, wouldnt your system check if the bill had been paid? Theres no public holidays or weekend during this period, your second debit was made after I had paid my bill 2 business days ago. Now, your second time debit made me have overdraw fee at XXXXXX/XX/XXXX which costs {$35.00}. Ive talked to XXXX XX/XX/XXXX but they wouldnt waive this fee for me. I called Discovers hotline and told an agent the whole story, she told me Discover wouldnt refund rewards which equals to {$35.00} to me. This is Discover systems bug, however, they need me to pay for their bug. I asked her extension or name, she rejected to provide any reference information to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been with Granite State Management for a few years now. I just learned that I may qualify for Public Service Loan Forgiveness, so I decided to have my information reviewed by XXXX XXXX to see if I qualified. I submitted all of the documentation to XXXX XXXX. First off, I received letters from XXXX XXXX that I did not re-certify my loans this year. This was incorrect. I had completed all of the forms, but XXXX XXXX never received my info from Granite State Management. Granite State closed my file without transferring all of my info over to XXXX. I have had my loans in an IBR and ICR for years now. The two agencies do not speak to each other. This program is a scam. Thanks for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX  Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was sent a letter stating my account had been closed due to return checks. I was told when I called your customer service department in mid-XX/XX/XXXX that my account was under a security alert as someone had compromised my account and they had placed a security hold on my account. Once I found this information out I stopped the checks as I thought my account had been compromised. I later get a letter stating my account was closed due to the checks being stopped yet I never got a letter, call or email as to why my account had a security hold and the explanation of such. I took action as anyone who thinks there account has been compromised. I always have made my payments on time. Even now I have made each payment requested. I want my account re-opened as I was never informed or given an explanation as to why my account had a security hold and what a security hold was. I simply took it as someone had compromised my account and acted accordingly. Please review this letter and statement so as to re-open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
SUE FOR A DEBT THAT WAS PAST THE STATUTE OF LIMITATIONS FTC VIOLATIONS The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


ITS LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Unauthorized credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Kriya Capital, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with XXXX I checked my credit report and disputed this item and the item came back as verified, which is impossible considering I have never had an account with XXXX. I would like to know how this information was verified and who was spoken to, in order to verify that this debt belongs to me. This is a blatant disregard of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
In regards to 1099C that Chase filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Waterfall Revenue Group
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted the original company XXXX XXXX to dispute the amount they are attempting to collect and they refused to correct the amount and referred me to deal with credit collection agency for future correspondence. I contacted XXXX collection and disputed the amount. They informed me that they would update my account as disputed and that the original debtor would have to correct the amount. Ive received nothing but miscommunication from both parties. I am disputing the amount of the debt. They are attempting to charge me as if I never paid on this account. I disputed this amount when the collection agency called me in XX/XX/XXXX about the account. The amount that should reflect as being owed is {$210.00} dollars. I made payments on this account, and even when the original debtor offered me the option to buy the instrument they told me that the buyout would be {$210.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: CO
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 am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX**Please update the correct wording to reflect what I do professionally******

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-07-12
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a purchase from XXXX XXXX with affirm for {$790.00} in XX/XX/2021. I then returned it in XXXX but it was never updated via Affirm. Affirm has put 2 collections on my credit report. One for {$970.00} and the other for {$270.00}. I sent the XXXX XXXX  tracking number showing that the package was delivered and received. Both companies keep sending me back to the other to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Account information incorrect

Complaint:
My credit usage and balances went down and Equifax dropped my credit score XXXX XXXX There is also a fraudulent account XXXX XXXX XXXX that remains on report after disputing with identity theft report and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent and initial dispute toTransUnion on XX/XX/XXXX sent certified Mail. they received it XXXX. Tracking and certified mail available.. I waited for a response and called and spoke to a representative on XX/XX/2020. No Results. or results of any method of verification letters. I explained the Laws of FCRA, the FTC and the EXPIRED 30days to dispute. I advised him that i will send certified NO RESPONSE LETTER CERTIFIED MAIL ASAP> and proceed with deletion of all unverified accounts.Transunion sent emails and responded to CFPB stating that I will wait on dispute. I didnt authorize or send any additional disputes. Per FCRA s 1629e ( 8 ) and violation of XXXX per account. Seems like something isnt right, to go past 30 days per the law. 30 days dispute period ended. you cant do that. thats direct violation of my Rights. I want to proceed with violation of my rights and seek attorney, they broke the LAW. I didnt authorize any RE Investigation, they didnt close or send me the 1st dispute results.

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 2023-03-31
Company: EQUIFAX, INC.
State: PA
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:
These hard inquires wasn't authorized by me. 
XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice that the collection agency received a document for an old lease I cosigner back in XXXX. I was removed from the lease as of XX/XX/XXXX when a new company took ownership of the property. The collection agency has all of the supporting documents as well as a statement from the property manager and they still refuse to remove me from the collection. The property manager keeps sending the paperwork and the collection agency keeps saying they " never received it ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: CL Holdings LLC
State: NV
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:
XX/XX/2016 {$280.00} was reported to my account as my debt. I hired the credit people to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/20 at roughly XXXX I receiver a text from chase bank asking if I had authorized a charge for {$760.00} from XXXX. It didn't look right so I decided to XXXX the chase fraud dept number and in between the time I received the text and found their number I got a call from XXXX which is actually the chase fraud number. The man on the phone identifying himself as a fraud dept employee with chase ID number asked me if I had authorized the charge from a XXXX in GA and I said I did not. He proceeded to ask me to verify if the info he had was correct including the account number and my address/info which he already had. He said he was going to send me a pin to make sure the account was mine and to read him back the number to which I did. This was actually how he added the debit card to his XXXXXXXX XXXX XXXX but I didn't see that at first. He verified what he had and then he said to close it out the only thing he needed was the pin number used for the debit card on file so he could process the transaction and close the card down.I gave him this and he said ok in 3-5 business days a new card would arrive.I went to bed at roughly XXXX and woke up to 4 emails from chase saying I withdrew {$500.00} each transaction for a total of {$2000.00} dollars at midnight that night. There was also a charge for {$19.00} at a XXXX that evening after the withdrawls.As of right now chase has deemed the XXXX charge fraud but the atm withdrawls as approved transactions. I cant speak with anyone in the US as all calls are routed to a call center in XXXX where there is little help.As of XX/XX/20 I have submitted screenshots and call logs from my XXXX ( not XXXX as they found ) to chase along with a police report for the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22
Company: Happy Money, 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:
A substantial payment was made on my Payoff account in the month of XXXX leaving a balance of less than XXXX on the account. Subsequently, I made a phone payment in XXXX meant to pay the account in full. This payment was to have been processed as if XXXX. Although the funds were deducted from my account, Payoff failed to post the funds to my loan. I called payoff regularly to follow up in this issue and have them correct their mistake. Although people I talked to acknowledged that there was an issue on the account, nobody was able to provide a hard time line for a resolution. Throughout this process, I was assured that my account was in good standing and that they would not be reporting my account as past due. 

Ultimately, it took payoff more than 39 days to fix their mistake. 

On XX/XX/21 I received notification through my credit monitoring subscriptions that I was reported 30 days late resulting in significant drops of my credit score. This is in the midst of looking to refinance existing debt to reduce my monthly expenses. 

Payoff failed to post funds timely, failed to correct their issue timely, and failed to protect me from negative impact they caused. 

I need to have this corrected immediately and to receive a confirmation of the correction both via email and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Navient Solutions, LLC.
State: MI
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:
Good morning, I'm attempting to pay off loans that are serviced by Navient. The loans are distributed between US Department of Education, and Navient. Navient 's website will not allow me to add a bank account to direct pay on the loans. The loans on the website in account details do not specify which loans are Dept. of Ed, or Navient. If I submit payment directly, the monies are distributed to their specifications increasing the interest gained off of each loan. I don't believe this to be in fairness of the consumer ; consumers should be eligible to pay loans to save money on interest. I've attempted contacting Navient twice about their broken website, but have not received any response back. Meanwhile, I am paying interest for loans they are preventing me from paying off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Blackhawk Network Holdings Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased a MasterCard gift /prepaid card for the amount of {$75.00}, Upon getting home I registered the Card online, to my address, name, and phone number. when I went to use this card I couldn't find it, So after turning my house over and over, I realized to just report it " LOST '' .when reporting it lost I sharded the total info to them, they acted XXXX and stupid. Pretended to want to replace it and nothing happen. due to this fraud, a scamming business does unethical and illegal practices. they had my info and knew that and still would refund me a new card for the Lost one. also asking for my social security number and scamming more, I would like these people investigated, and taken to Federal court for fraud and Theft. thank you, would like your involvement in seeking restitution for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
it has been more than 30 days and the credit companys have yet to remove these accounts or send me any information about these accounts

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