BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had this issue since XXXX earlier this year with EXPERIAN. This is ridiculous. I have a monitoring services that suppose to pull all three credit bureau reports. It can't even pull from EXPERIAN at all. Called Experian about issue and always leads to a dead end. No one can't help me. Tried to talk to the supervisor no help, she stated that the escalation team is notified since XXXX and they're still working it??! Today is XX/XX/XXXX. I can't even pull my EXPERIAN report from EXPERIAN.com. They stated I had to wait for it to come in the mail. I have rights to view and get my reports online like any other consumers. 

Called EXPERIAN several times over the few months. They've sent me to IT tech, they couldn't fix the issue, membership department had no clue what I was talking about. Even deactivating my account and try to get a new one, still didn't work. I'm frustrated and UPSET that this XXXX company can't let me view my current reports ONLINE. EVEN my credit monitoring services can't even pull from Experian. THEY'RE WITH HOLDING MY REPORTS and that's ILLEGAL. They need to let me view my reports ONLINE and if I order it from other CREDIT MONITORING services, they need to release it.

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 2020-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I sent in a complaint several months ago, XXXX I believe, and got a response from you. Complaint number XXXX. Your response dated XX/XX/XXXX said I had 60 days from when 5/3 bank answered the complaint to give feedback. Today is XX/XX/XXXX and when I logged in to try to respond I can't click next, it says case is closed. I do want to provide feedback. The answer indicated I had no case because there was no bank error found. I never said it was a bank error. It was HUMAN error, as I was told I had more time to add the extra XXXX to my account to satisfy all the conditions to get the bonus money for opening the account. If you look at the timeline as to when I added the extra XXXX you will see it corresponds with my having been told I had 90 days. I understand that a shorter time frame is in the small print, but I was definitely TOLD I had XXXX, and just though that perhaps 5/3 bank was the sort of honorable institution that would honor what a customer had been told, even if the information was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Xtreme Products LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I tired goin to this school for 30 days and witness all types of fraudulent and XXXX  activities going on i.e getting anyone off the street basers bums homeless people just to sign them up and get the funds from the government .... I then moved out of state which was the addition reason I left the school years later I received documentation stating that these people have received over 3,000 + dollars in student loans that I never received or cashed a check for or anyting I've called they've given me XXXX stories for weeks at a time and they're trying to tell me now that is Under New Management so they don't have anything to do with what was going on when I was there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, Transunion & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, 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 explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: CA
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 credit bureaus are reporting erroneous information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that a debt collector may not engage in any conduct the natural consequence of which is to harass oppress, or abuse any person in connection with the collection of a debt. 

XXXX XXXX XXXX has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope. 

The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications.

4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.

5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money.

6. May not contact you if you have informed the collecting agent that the debt is not yours.

7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure.

8. May not make false statements in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: SYNCHRONY FINANCIAL
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 balance transfer

Complaint:
The company PayPay offered me credit ( 6 months interest free ) on purchases over {$100.00}. I took the offer and did not offer any income or employment information. I always paid off the balance that it said to pay to avoid interest charges. On XX/XX/2019, I applied for a 0 % interest free for 12 months account from chase for the reason to pay off 2 credit accounts that were about to start charging interest ; PayPal Credit and XXXX XXXX. I went to look for the account number on the PalPal account and could not locate it. I had to call to get it. When I told XXXX XXXX the account number they said it was 1 too many characters and they couldnt process the payment to pay off the account. I called PayPal and they said I couldnt pay off my account with them with a another credit card! I was appalled!! I asked them to send me a copy of the contract I signed and the have refused to send it to me. They directed me to the area where it was in their policy and it does not state I cant pay off my bill with them with a balance transfer!! Ive attached a copy of where they directed me ASSIGNMENTS. Reading this does not say to me that I can not pay off the card with another! Plus I did not sign a contract to get this account!! This company is scamming people and breaking the law!! How can they get away with charging 20 % interest and not provide a contract that I did not sign??? I am not paying the interest charges! My credit has been effected. Their record keeping is so confusing you dont know what they are doing and I was a expert in billing Medicare fore 25 years. They have to be stopped!! They also asked me to update my income status, I refused. 3 months later they doubled my credit limit without me asking for it. They apply payments and credits incorrectly. I included the emails where there replied to my request for a copy of the credit card application. I HAVE NEVER RECEIVED A COPY OF THE CONTRACT!! I never signed a contract.

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 2019-08-11
Company: Experian Information Solutions Inc.
State: OH
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 writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX  ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX,XX/XX/XXXX, 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 explanation
Consumer complaint received 2021-01-22
Company: Franklin Collection Service, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting in XXXX of 2020, I contacted XXXX about falsely reporting an amount to a collection agency. They reversed the amount XXXX Early Termination fee ). They told me that I would need to pay the balance unrelated to an ETF, which I did. They informed me they would pull back from the collection agency. I have disputed the account through all 3 credit bureaus and Franklin Collection Agency still shows up on XXXX. Per XXXX  I have a XXXX balance and they don't understand why Franklin Collection Agency shows a balance. I have called FCA and they tell me they can't remove the balance, because it is still showing on their end. I have exhausted all efforts. This was false reporting to begin with and they are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I don't have dates but for a year this company has been harassing me by calling my employers and calling friends and family members. Last week they called my current boss and told him they were looking for me for a red light camera ticket in XXXX. I've never been to XXXX and since I am a XXXX XXXX my manager was concerned and forwarded me their contact #. I called them back in XX/XX/2019 and they said they were going to serve me and I never received any information. Now recently they are starting to call again. The debt is over 10 years old and doesn't show on my credit. They told me last week they were going to serve me at my job. After speaking to them the debt is from a bank as a payday loan was taking money from a old bank account I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: OH
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 writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX XXXX to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Southern Management Systems Inc.
State: FL
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:
A collection agency under the name " Southern Management Systems '' has reported a " past due '' debt of {$730.00} on my credit report. I received no written notice that they were placing a debt on my credit report and I do not have any unpaid debts with this company as I have never done business with them. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Account status incorrect

Complaint:
I have submitted the attached documents to XXXX, XXXX and Experian yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

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 explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-11
Company: Kriya Capital, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDENCE RESOURCE has reported a fraudulent debt in my name to the credit bureaus. I never opened or authorized a XXXX account in my name. They need to remove the reporting immediately from all of the major credit bureaus promptly. 

My identity has been repeated been used. I filed a police a report due to finding my information being used. XXXX XXXX police department they can retrieve a copy of the police report directly. Report number is as follow, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: JPMORGAN CHASE & CO.
State: FL
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 am writing to report that Chase has not resolved the many fraudulent monthly ACH withdrawals by  XXXX  that came out of our checking account ( started on  XX/XX/XXXX  -  XX/XX/XXXX  ). We have not authorized any ACH transactions to  XXXX  or any other vendor ( we are, however,  XXXX  customers but have enrolled in auto bill pay via credit card ).
On XX/XX/XXXX , We went to the Chase local bank in   XXXX   XXXX  , FL to file a complaint regarding these charges as shown below, but claimed that via FTC rules, are only required to reimburse only the first three of these transactions : XX/XX/XXXX  - {$60.00}  XX/XX/XXXX - {$49.00}  XX/XX/XXXX  - {$59.00} XX/XX/XXXX  - {$59.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00} On  XX/XX/XXXX , we went to   XXXX   XXXX     XXXX   store and gave them all this info to find out who was making these ACH transactions. The  XXXX  store rep sent an email to  XXXX  Security per   XXXX   XXXX   XXXX  , Local Branch Manager as noted below : " Cust came in today to our office saying that  XXXX  is taking monies out of their bank account every month  XX/XX/XXXX  // and last one as of date  XX/XX/XXXX .
The acct number above is their current acct with us and current have their credit card number on for automatic payments .. I checked acct no double payments. The bank gave them a print out of their acct actions and there is no acct number for me to look at or try to find where the issue is.
Cust wants to report this and get any help from us on this to find out where their money is going. ''   XXXX   and Chase both believe they have done all they are required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Back in XX/XX/XXXX I applied online for a US Bank Cash+ credit card with a bonus offer of XXXX if you spend XXXX or more. This card also offered 0 % interest for an entire year. I had also received a brochure for this same credit card with the XXXX incentive and 0 % APR offer in the mail, im assuming because US Bank is the lienholder of my mortgage.

After US Bank called to verify information with me about a week later I was approved and received the card in the mail. I made the requisite purchase amounts on the card of over XXXX but had not received the funds. At the end of XX/XX/XXXX or beginning of XX/XX/XXXX, I called US Bank Credit card services to inquire about my reward as it had been well over the 6-8 week process time.

When speaking to customer service they indicated that I was not eligible for the reward even with speaking to a supervisor. The online offer did not come with exceptions and I was even given a full years worth of 0 % interest which was also a part of the offer.

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 monetary relief