BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express has been contacted with over 6 phone calls with AMEX fraud department without any resolution since XXXX XXXX, 2022? 
- two AMEX tracking numbers of fraud without resolution from AMEX fraud department are ; XXXX and XXXX ; there have been at least two fraudulent AMEX cards issued in my name after original contact with AMEX ; WHY? 
- XXXX monitoring also later reported on XXXX XXXX another second new AMEX XXXX FALSELY issued to my name XXXX that is NOT mine... and even with subsequent reporting several times to AMEX without any action or resolution? WHY does AMEX NOT correct my account or contact me with any action or status after weeks? 
- additionally ; originally AMEX rep issued a different replacement credit card in my name on XXXX XXXX unknown to me and shipped to different address in NC... WHY? 
- Please note ; it took several AMEX fraud rep phone calls to get only one credit card cancelled ; but yet second fraudulent credit card still exists on my XXXX reporting ; WHY? 
- Please note ; AMEX in error actually cancelled my active credit card without my request or permission and a replacement card needed to be issued... 
- NO follow-up phone calls have been received even though requested from AMEX management or from any reps on FALSE reporting or fraud credit cards being issued by AMEX fraud department in my name ; WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I can not access my account for almost a month as it is locked and my mobile phone to access it stopped working. All they needed to do was remove 2 factor authentication for me so I could set it up on my new phone. Instead, they locked my account and I can not get them to respond to many, many messages and calls. Im stuck in a black hole of automated emails and replies that are going no where. I do n't even know if they are still working on my issue. I ca n't access my funds ( digital currency ) for almost a month now and meanwhile one of my digital coins is going down in value. 

Help! 
PS : None of the attached emails that appear to have solved the problem actually worked ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. 
A LETTER OF EXPLANATION IS ENCLOSED.

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 2022-02-05
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I joined XXXX in XXXX, and when I joined the membership, I was told that I could pause my membership at any point in time, because I had plans to travel frequently in the upcoming months. When I went back to pause my membership in XXXX, the person I talked to said that it was impossible to pause my membership and that I had to pay regardless of if I was using the gym or not during that time. When I told that person that the person that onboarded me into the membership told me that I could pause my membership and that it was part of my contract that I signed, he told me that that person that onboarded me no longer worked there and that I had to pay. I told them to cancel my membership and he said okay, we can do that. I asked if there was anything else I needed to do and he said no, and that it would be taken care of. I have been getting automated calls that I ignored due to scam likely numbers, and I just got a call from a debt collector saying that if I didn't pay XXXX XXXX XXXX they would send my information to a credit bureau and it would hurt my credit. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not quiet sure what this debt is, I have no recollection of this company. My now late father had taken my information and open / used accounts I had before he passed. I am very confused why they can not figure this out with all of the cameras they have in various stores. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I already disputed with another collection agency for the XXXX from XXXX XXXX and it was taken off my credit report how can another collection agency put it back on my credit report again? Diversified Consultants is the collection agency that has put it back on my report. Why can't it be taken off now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Navient Solutions, LLC.
State: OH
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've had issues with Sallie Mae, which turned in to issues with Navient. There are so many problems, and I'm not sure if I should make multiple complaints or try to cover them in one. A big one is my ruined credit because they applied my payments to the wrong account. I've tried for years to fix this and they will not. They eventually put the money on the right accounts, but never fixed my credit report. 

I listened to them whenever I had problems making payments due to whatever was happening in my life. I assumed they knew what they were talking about. I was in and out of forbearance for years. 

Since XXXX College has closed, I have no access to my credits & employers can not verify my degree. This was a total waste of time & money, that I'll be paying for the rest of my life. 

This has all but ruined my life. I'm trying to buy a car now & will pay outrageous amounts due to my credit. I'll never be able to buy a house. I know I'm not the only person in this situation, but $ 90k in debt with nothing to show for it really hurts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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:
The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX XXXX and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called XX/XX/2021 and XX/XX/2021 and I keep getting nowhere. I owe a little over 100,000 with some of the loans at 10 %. I asked a about a different program and they said they couldnt do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the Amex card around XXXX, XXXX and used it on XX/XX/XXXX in the amount of {$10000.00}. Due to this charge, Amex requested for my tax information to verify income, which I had sent them many times in the beginning of XX/XX/XXXX. They kept saying that weren't receiving my information and loced my card, and still proceeded to charge me the Annual fee of {$690.00} and then charged me another fee of {$170.00} for Additional Card Holders fee. The balance came to {$11000.00} and minimum payment was {$10000.00}. 

I was sent a letter regarding the closer of my account to due " Failure to provide proof of income. '' In their account agreements, if the account is closed and it hasn't been 30 days since the fees were charged, Amex would refund ALL fees that were charged to the account. They only refunded the Annual fee of {$690.00} and did not refund the {$170.00} Additional Card Holders fee. 

I have paid the minimum payment of {$10000.00}, that was due on XX/XX/XXXX, on that date. The account balance had changed to {$130.00} after Amex had returned the {$690.00} Annual fee. There shouldn't be any balance left, and they should be owing me {$40.00} in cash. 

I have contacted them many times in XX/XX/XXXX, via online Chat and by phone. I can not remember when I called but I have online Chat history that started XX/XX/XXXX of my request for the return of the fees that were charged to my account. The agent says the fees will be refunded within XXXX hours. I've been checking for 7 days and there were still no FULL refund. I was still not refunded the {$170.00} Additional Card Holders fee. On XX/XX/XXXX I spoke to another agent who then told me that BOTH of the fees should have been refunded to me XXXX hours after the account had been cancelled. But there was only one fee of {$690.00} that was refunded. 

They sent a statement for XX/XX/XXXX, wanting me to pay {$130.00} by XX/XX/XXXX. I know what they are doing. They want my account to go past due for the amount of {$130.00}, then make charges to the account to add late fees and then put me on delinquent to mess up my credit score. I've read many reviews that this has happened to many people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: DC
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 is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my Equifax credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent Equifax dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC 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 This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to you because I have been subjected to an increase in my monthly mortgage payment. The increase was done without my knowledge or consent. I would like to dispute the change in the monthly amount. The change occurred for the XX/XX/2019 payment. My mortgage amount was previously {$820.00}, which was a fixed rate. As of now, I am being forced to pay {$880.00}. This is an increase of {$60.00} per month. I appreciate you assisting me with this problem.

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 2019-09-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro Collect has sent documents that dont match up. The move in date on the " alleged debt sheet '' is not the same date that is listed on the lease. Both papers were sent from pro Collect when they were " verifying '' debt. The documents aren't correct and this isn't a valid debt

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 2019-09-30
Company: Experian Information Solutions Inc.
State: UT
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:
An overlimit status was reported by XXXX XXXX XXXX XXXX on my Visa. This overlimit was due to an erroneous charge by XXXX on a Friday, which was reversed the following Tuesday morning ( due to the XXXX XXXX Holiday weekend ). When I saw this reporting on my Experian credit monitoring service I called reached out to XXXX and then XXXX XXXX and explained what happened. I was told by XXXX XXXX customer service that " she '' had noted the circumstances on my account and instructed me to open a dispute with Experian to which XXXX XXXX would correct the inaccurate reporting. I just received a dispute resolution from Experian stating XXXX XXXX did not change the reporting and the negative reporting would remain 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 explanation
Consumer complaint received 2022-02-05
Company: CIT BANK, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am XXXX of the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
I have full XXXX XXXX XXXX XXXX XXXX XXXX  at CIT bank. 

CIT bank, specifically : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX : ( XXXX ) XXXX T : ( XXXX ) XXXX ext. XXXX F : ( XXXX ) XXXX Corporate Office XXXX XXXX XXXX XXXX XXXX, AZ XXXX and, XXXX the bank refuses to release our funds in both a checking and savings account, approximately XXXX. 

additionally, i have requested multiple times to receive copies of all cancelled checks, detail on all transfers, detail on all XXXX payments, and the bank refuses to supply these records even though they are required to keep these records. I can not imagine that it is legal for a bank to withhold our funds, and withhold our records from an authorized signer on the accounts. 

The bank has opened the account under the name " XXXX XXXX XXXX '' while using the XXXX XXXX XXXX XXXX XXXX XXXX. According to the bank, all of the associations they bank are set up this way. this leaves the Management Company, who according to the bank has sole access to all association accounts, the ability to transfer monies in and out, at the management companies sole discretion, with no oversight from the associations. This opens the question of could these accounts be used for nefarious activities, money laundering etc. 

According to the bank, as well as XXXX XXXX, I am the only board member ( out of XXXX communities ) XXXX XXXX XXXX XXXX XXXX to any association account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I obtained a copy of my credit file around XXXX XXXX and filed a dispute through the credit bureaus against Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX, XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Nissan Motor Acceptance has not responded to my request. I am asking that you please look into this matter and have them remove this derogatory rating. The account was paid off in full and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX Hospital, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/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 2022-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
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:
A charged appeared on my USAA Bank XXXX issued credit card in the amount of {$3700.00} on XX/XX/2021 I disputed the fraudulent amount charged to my credit card. I disputed the amount on XX/XX/2021. The amount appeared again on my USAA XXXX credit I call them to dispute the fraudulent charged they refuse to investigate. I am requesting the fraudulent charge of {$3700.00} to be removed and all fees, charges credited to my XXXX card ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation