BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 while reviewing my American Express Serve account online, I noticed a {$420.00} " transaction pending '' transaction. I immediately contacted American Express Serve to inquire about the charge. They informed me that it was for an XXXX   purchase and the payment was processed through XXXX. I informed American Express that I did not order anything from XXXX in the amount of {$420.00} nor did I have a XXXX account. I also informed American Express Serve that I did not recognize the merchant and I did not make nor authorize any such charge to my card. I then instructed them to immediately cancel my card, AND DO NOT PAY THE MERCHANT as I did not make the purchase and there was fraud on my account. They closed my card and reissued me a new card.I checked my account on XX/XX/2020 and noticed that American Express Serve paid the merchant anyway after I instructed them not to. I completed the declaration of Fraud form per their instructions and provided supporting documents from my XXXX  account showing that I had not made any such purchase for {$420.00}. I then received notice that American Express Serve denied my claim. I requested another investigation be done and asked them to provide me with all of the information they relied upon in making their denial to accept my claim. I have not received anything from American Express Serve. I filed a second fraud claim and provided more evidence ( see attached ) from both XXXX who confirmed that no such purchase was made on my XXXX  account and that I did not have a XXXX account connected to my XXXX account. I also provided them with verification from XXXX confirming that I did not have a XXXX account the day of the purchase. My XXXX account was not created UNTIL XX/XX/2020, three months AFTER the fraudulent charge to my Serve Card was made. XXXX had no account for me and could not locate any account under my name at the time the charge was made, and indicated that my bank needed to refund my money. Again, American Express Serve denied my claim ; stating their decision was based on " after reviewing your XXXX purchase history, you must have authorized the purchase. ". This is totally absurd as both XXXX and XXXX have indicated that I never made any such purchase on my XXXX account, nor did I have a XXXX account to process the payment. American Express Serve simply refuses to refund the {$420.00} back to my account and ignore all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Navient Solutions, LLC.
State: ND
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:
My loans transferred to Navient in XX/XX/2015 for some reason they disappeared and came off my credit report completely for an entire year I called to check on them no one knew where my loans were they wrecked up {$5000.00} in interest even though they were no longer on my credit report and XXXX and had no idea where my loans were. I continue to call over and over I asked to talk to supervisors with no response back Ive asked for a list of my bills and where my loan has been they always there for me to another department or student loan services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed. 

Account XXXX XXXX # XXXX reporting inaccurate open date of 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 2019-09-03
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
BANKRUPTCY IS SHOWING UP ON MY CREDIT FILE BUT BANKRUPTCY DO NOT REPORT TO ANY CREDIT BUREAU EVER

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 2019-09-03
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was compromised and I followed protocol to report card info stolen. Had 2 XXXX transactions and a XXXX charge that were not mine. I filed a police report and reported to PNC. They did a 3 day investigation and charged the credit back to my account. They need a thorough investigation not just a glance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: SYNCHRONY FINANCIAL
State: AR
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:
Unauthorized credit inquiries

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 2019-09-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, Ad Astra Recovery Services ( on behalf of XXXX XXXX ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with XXXX XXXX in XX/XX/XXXX, and subsequently worked out a payment plan with XXXX XXXX and Ad Astra in XX/XX/XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( Ad Astra claimed to have sent letters but I have received no such letters from Ad Astra ). 

A year later, Ad Astra charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted XXXX XXXX on XX/XX/XXXX, and was told that they had placed the account with Ad Astra and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at Ad Astra, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, XXXX XXXX and Ad Astra essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that Ad Astra did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Making a false statement about the account having a judgement against it when in fact there has been no court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
United consumers has been leaving me voicemail on my work phone stating they are a collection agency and I need to contact them. I have contacted several times and asked what this is about since I am not aware of any outstanding bills. When I get in touch with somebody, they state my phone number I am calling from, provide me my name from my phone number and then continue to ask for more personal identifying information. I am NOT going to give some company I have no idea who they are any information since they seem to know who I am when I call. They have refused to provide me any reason for calling me and leaving the threats regarding unpaid bills. At this point I am furious and need an explanation. There are way too many scams out there and I will never provide any personal identifying information to some voice on a phone, If they have my phone number and my name and I return their call, I expect a quick response as to what the issue is, not asking for more information to add to their attack. As far as I know I have ZERO outstanding debt aside from a 0 % interest loan on my XXXX. My house is even paid off.

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 2018-02-23
Company: NCB Management Services Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original fixed rate loan for the past 3 years was with XXXX with no issues or problems. Mr. Cooper Mortgage took over my original loan XX/XX/2019. My transferred escrow balance from XXXX was XXXX. That transferred balance does not show up on the papers from Mr.Cooper Mortgage. Within two months after taking over my loan, they claimed my escrow was XXXX short. I paid this in full. They also changed my fix rate original contract from XXXX a month to XXXX a month. I know taxes go up, but the amount they charged my escrow seems extreme. I never had this type of extreme shortage with XXXX. XXXX from my payments goes into my escrow each month. Since Mr. Cooper Mortgage took over my mortgage, several things are not right. I have bought several homes and never had these types of issues. My payments would have jumped to XXXX if the escrow was not paid in full. Because it was paid in full, they still raised my payments to XXXX. I don't believe they can raise my payments from my contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/2019 i went to bought a used car from XXXX XXXX  XXXX. 
My loan agreement said due date on XX/XX/2019 and I was making a payment for XXXX month was pass and nothing and on XX/XX/2019 i made again ... nothing till XX/XX/2019 they told my the money was return. i gave them the reason because my phone lost on XX/XX/2019 and i was stop any payment that was pending on bank account and i don't have a phone after that on Saturday morning XX/XX/2019 the bank was sent repo company come to get my car the problem is .... i wasn't late but i have a problem with my phone somebody took it and what they gon na do with my phone who know i have to stopped right away ... and I have a police report to proof that too. 

I try to ask what I'm gon na do they told me i pass 3months payment ... I'm feeling like what my 1st due date was on XX/XX/2019 and only 2month and 16days right and I still have time on the agreement said 3 month Calendar so they got me wrong since 1st due date and I was complaint last week and the answer u can see in the file. I agree to pay XXXX to get my account and car back and I need them to send me a detail what are myXXXX go for .... the detail but nothing back to me but keep asking me for the payment that I have to pay ... i understand i have to pay but where is the detail of XXXX that i paid for get the car back and I asking for change due date the answer is NO. What are my choice? and How they count the due date. 
and now my car was repo 2nd time they said i was behind payment 37days but  I'm not ... l asking for detail and please explain to them they got the wrong due date and wrong repo ... My property in the car when they repo at XXXX and I was sleeping.. 
I have to paid for get my stuff back but not all my stuff that i got back. 

I called the bank asking for stuff that i didn't get. 1st call they told me if not all my stuff calling them back. 2nd i call to told them that i'm not get all my stuff .. they told me to called the repo company ask them ... This is what my experience with GRANDVIEW FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: UT
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 multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

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 2019-09-03
Company: EQUIFAX, INC.
State: UT
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 multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX  Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

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 2020-08-20
Company: ERC
State: OH
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:
Enhanced Recovery Company has place negative information on my credit reports claiming that I owe them {$780.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. 

This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if Enhanced Recovery does not comply with my validation letter this item must remain removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 3rd time attempting to have XXXX, XXXX, and TransUnion remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.

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 2019-09-03
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXXXXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT

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 2018-09-24
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 at XXXX pm, GC Services called my son from number XXXX looking for me stating it was a " personal business matter '' and that they had my son 's number, " XXXX '' as a valid contact for me, which is not possible since I have never given anyone that number as a valid contact for me, nor is he on my loans as a contact, since at the time of the debt he was XXXX years old. He only recently turned XXXX. 

This is harassment and I would like to press charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
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: Information belongs to someone else

Complaint:
OPEN XX/XX/2020 {$900.00} COMPANY : XXXX XXXX I CALLED NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with Transunion but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.

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 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account was closed XX/XX/XXXX with a balance of approximately {$19.00}. This balance was never received. More than 4 calls starting in XX/XX/XXXX were placed with the company in an attempt to have the final balance sent to me. It is now XX/XX/XXXX and I still have not received the account balance. I have spent over 4 hours on the phone with customer service representatives, but still have not received what is owed.

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