BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XXXX who hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and  XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a Credit Counseling Services Company ( XXXX office at XXXX XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX to clear issue. Since XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XXXX, XXXX my Bank Account have been garnished not allowing to touch account and I need to pay econom1cal obligations. 
I received and email I need to contact the XXXX XXXX XXXX XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired XXXX XXXX XXXX XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court No.3. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXXXXXX and now a new XXXX XXXX XXXX XXXX XXXXXXXX XXXX is using XXXX XXXX XXXX XXXX XXXX XXXX Texas Bar No. XXXXXXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX.Tx.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 2021-01-26
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:
I Check my credit and i notice that there are Accounts that I did not give any Consent to I need information On How this was allowed to Happen I need this off my personal Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a private student loan with Navient. A repayment amount was set and I tried to see if it could be lowered several times to no avail. I continued to struggle to pay the aount of XXXX every month. I signed up to have the money deducted automatically out of my checking acount. In XXXX 2017 I noticed that no amount was withdrawn from my checking account from Navient, so I contacted customer service to to inquire why that was. They told me that they were checking into the issue and would get back to me ; That did not happen. Then it happened again in XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Today XXXX XXXX, 2017 I received a letter in the mail from the collection company XXXX stating that Navient has sent me to collections. How is it that I am sent to a collection agency when I have made payments on time and attempts to figure out why the payment ceased to be withdrawn from my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: IL
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:
I have tried several times to get remove or verified but they refuse to respond to the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 explanation
Consumer complaint received 2018-03-31
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through XXXX XXXX that I am not under any obligation to pay this company. This company is illegally demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am writing about American Express Business Platinum card. I called Amex on this number XXXX to asked for a retention offer on XX/XX/2018. After looking into my three-year account history, the representative offered me two retention offer. One is getting XXXX Amex rewards points without spending requirement and another is a higher offer with spending requirement. When I asked him to repeat the offers again so that I can write them down to consider, the offer became getting XXXX Amex rewards points without spending requirement. I pointed it out that my offer was XXXX amex points 5 seconds ago. He simply said he read it wrong at the first time. The best he can offer is XXXX amex points without spending requirement. I asked to speak to a manager. He said he is the manager and this is the best retention I can get. I asked to speak to another manager. He insisted there are no other managers around at that time ( it was around XXXX XXXX EST ). I  ended up believing what he told me. Reflecting on our conversion, I am very uncomfortable, dissatisfied and angry with the customer service I received. Obviously, he was lying to me and took advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been contacting this company since XXXX, they have no contact number. It is very hard to communicate with this company for my son 's money. I have not received an adequate answer back from them just generic letters with no official signatures. They have all the information they need to complete the request and I will submit it again through this website. Let 's see what the response will be then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank called to inform me about a possible fraudulent {$3000.00} guitar purchase in Tennessee in XX/XX/XXXX. I informed Citibank I did not make the purchase. CITIBANK said it would be taken care of. Citibank did not correct the charge and proceeded to make automatic monthly payment withdrawals from my checking account, unbeknownst to me, until I noticed it in my bank statement this month. Citibank had me pay a XXXX, XXXX minimum payment so that my credit rating will not be affected until Citibank purportedly will resolve the matter.

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
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, XXXX and Experian  updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.

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 2018-03-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I previously tried to remove my bank account to my PayPal account because of overdraft fees that had occurred from billing payments i didn't request. When I tried I received an error message saying this is unavailable right now. It happened again yesterday where they tried to charge that account twice and I incurred {$30.00} overdraft fee each instance. When I called PayPal to get my bank account removes the lady informed me that she could easily do that for me and that that happens a lot when people try to remove their Account online. I requested that PayPal cover my overdraft fees since my bank wont refunds it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
According to reply submitted to CFPB by XXXX with Capital One, an affidavit was supposedly sent via XXXX to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I have moved from this address as of XXXX of this year, needless to say, anything sent to old address by XXXX would not be received.. I've checked with my online XXXX account and delivery manager, there is no record of any package sent on XX/XX/XXXX from Capital One or anyone for that matter.. In the reply, the affidavit is referred to as another investigation, in which case I am not aware or familiar with any prior investigation as I do not believe there was one ... As far as I know, the only investigation done was by a XXXX XXXX whom attempted to imply I received check and or funds from it as she tried to claim the person whom intercepted and cashed check is related .... The person is not related and I've provided info in past CFPB complaints as to whom the person might be, those complaints were marked as duplicate numerous times to avoid acknowledging/addressing it ... Also, I've provided proof of whereabouts at time of check cashing including statement from driver whom picked me up on XX/XX/XXXX, statement from XXXX of XXXX XXXX, hotel where I stayed with check in/check out dates, XXXX Itinerary as well ... All documents show I left address on XX/XX/XXXX, arrived back on XXXX, these dates are within time frame check was cashed.. These documents were also ignored, no one with Capital One has reviewed them as far as I know.. XXXX XXXX also attempted to state a XXXX account is linked to myself and person whom cashed check, which it is not ... A statement from XXXX was provided showing no transfer of funds into or out of account for amount of check, XXXX, also ignored by Capital One rep ( s ) .. I believe any prior investigation to this one to be bogus.. I request Capital One mail me the affidavit to my current address, XXXX XXXX XXXX, XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am doing a follow up complaint with Transunion about improper reporting and the reported companies who seem to not be willing to help with things I repeatedly said were false. I only should have two inquiries and two open accounts. One from XXXX XXXX and One from XXXX XXXX. Transunion is reporting 7 inquiries and 4 open accounts. I am once again saying that I did not authorize any company besides XXXX XXXX and XXXX XXXX  to run my personal information for the purpose of receiving products or services. I am getting myself out of financial bind, and these inquiries and supposedly open accounts are setting me back more than I can move. I have put in fraud alerts and police reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are falsely being reported as 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 explanation
Consumer complaint received 2019-03-05
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
As my child is only XXXX years old, but the company call Netspend just send her a real prepaid Visa debit card to activate.account number on card is XXXX and routing number is XXXX issue by 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 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've sent several letters to Transunion regarding questionable accounts that are being reported on my credit report. i've asked them on several occasions to show me proof that these accounts belong to me AND how were they verified as accurate. since the burden of proof falls on Transunion because they are reporting this as accurate, they've failed to provide me with such evidence. the accounts are : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX 4.XXXX 5.XXXX XXXX XXXXXXXX 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 2020-08-31
Company: TRANSWORLD SYSTEMS INC
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:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

TRANSWORLD SYSTEM INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Their investigation did not fix an error on your report

Complaint:
There is a fraudulent item being placed upon my credit report from XXXX/XXXX  that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and Transunion are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX and Transunion under Section 609 FCRA.

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 2017-08-03
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was turned down by banks for car loan because of adverse information supplied by TransUnion. Per instructions from turn down banks, I wrote to TransUnion for a FREE copy of my credit score and credit report as provided by Fair Credit Reporting Act. 

They sent me a credit report with this XXXX sentence, " You did not order a TransUnion credit score. You can purchase your credit score for {$9.00} by calling XXXX. '' It irks me beyond words how these monster companies try to XXXX consumers at every twist and turn! The behavior is criminal, in my opinion!

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