BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}

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 2020-06-23
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: Account information incorrect

Complaint:
Hello I paid this off XXXX in full, I have a email showing the same and they again tld my credit reports I have a balance.

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 2020-03-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
some time on or about XX/XX/2019 XXXX XXXX XXXX gave a credit line XXXX and two it went up to XXXX, after get a bill for XXXX I agree to settle this account for XXXX XXXX XXXX XXXX accept the deal. and sold the account to company that i never did any business with. I send then XXXX.in XX/XX/XXXX XXXX with a Bal XXXX. a company call resurgent out XXXX SC send me an offer to resolve your account in one payment of XXXX XXXX.But I has already send XXXX but went I seen my XXXX credit report stated that this account is in collection by LVNV Funding for XXXX and put it on my credit report. that was not the deal. so I stop! there is a check on my desk now. ready to pay this XXXX XXXX, today but i want LVNV funding to remove this from my credit file. because i has I never sign my document with this company. i do not no any thing about them, I made the deal with XXXX XXXX XXXX  and not LVNV funding who purchase that debt. That XXXX XXXX XXXX have agree to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Capio Partners, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency CAPIO PARTNERS, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to Capio partners, it is my understanding this debt was purchased by them from unknown creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I applied for a Hilton Honors Amex Surpass card in XX/XX/2020. the offer was XXXX in Hilton Honors points if {$2000.00} was spent using the card within two months. I received the card in XX/XX/2020 and met the spend requirement per the original offer, although it had been extended. I have been told this is not the offer I applied for, and Amex is refusing to honor their agreement. The offer is still available at Hilton.com and is it was in XXXX and before so not a short term promotion. I expect Amex to meet this agreement as I fulfilled my obligation. Very disappointed in the companies lack of customer service and am considering cancelling my two other Amex card along with this one which involves loss of business for one of their partners, Hilton Hotels. I will be filing the same report against Hilton.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Quality Asset Recovery unlawfully reported a medical debt to credit bureau as an individual that was already in the process of being addressed by workers compensation company XXXX XXXX XXXX. ( claim number is available upon request ). 
on XX/XX/2020 I received a Quality statement of amount due {$150.00}. 
I immediately informed Quality Asset with XXXX XXXX XXXX claim number with all the information required. I requested to correct the issue to send the statement to the XXXX XXXX XXXX. Also, I requested to remove the medical debt report from my credit report. However, it was never removed and the issue was never corrected. Again, I checked my credit report and I found that Quality Asset recovery updated the report with the same wrong information without removing it. I called on the date XX/XX/2020 XX/XX/2020 XX/XX/2020 and many more dates. requested to remove the false report, I have been threatened that the false information will not be removed from my credit report and it will remain in my account with the same information as an individual responsible for the statement for 7 years even if it's been paid from the workers compensation company.

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 2020-03-22
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried for the past six months with the company RELIANT FINL XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX to fix this issue that I already paid this account off I have sent them paperwork multi times I want this fix plz

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Alliant Capital Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an abusive relationship involving a restraining order and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this domestic assault situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were nasty on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America ( BoA ) has restricted my ability to make deposits and charged excessive overdraft fees when my account balance became negative. 

My local branches ( I am restricted by not having a car ) have not had tellers and do not expect to have any until at least XXXX, so I have not been able to make deposits. Note I am not a debit card user, so I can not use the ATM. I have not been able to make deposits on the Mobile app because of an app update that was recently pushed that my older XXXX does not support. 

I got an email notification from BoA on the night of XX/XX/21 alerting me to the issue and deposited the funds mid-day on XX/XX/21 to rectify the issue. 

Overdraft details : # transactions : 4 Dates : All transactions on XX/XX/21 Fees : {$35.00} per transaction = {$140.00} Total debits : {$2500.00} Previous balance : {$2400.00} Brought me to a - {$250.00} balance ( Unfortunately the biggest charge hit first, resulting in 4 overdraft fees instead of only 1. Not sure how this is determined ) I have been understanding about BoA 's labor shortage and technical limitations in this difficult environment and expect that they would suspend their overdraft fees in light of the difficulty of making deposits through their branch and apps for customers with limited means of transportation and older app platforms. 

Thanks!

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 2017-07-05
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: Account information incorrect

Complaint:
Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds XXXX percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds XXXX percent for transactions involving amounts totaling more than {$500000.00}. 

Your interest rates far exceed the upper limits of the statute. 

At this time I am requesting a return email acknowledging that my loan has been paid in full or canceled and has been removed from my credit report. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please respond to this email with acknowledgment that my account has been satisfied in full. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I processed a payment online for my BMW and they gave me an ERROR when i submitted the payment initially and when i went back to see what occurred the payment said failed to process and did not gave me a confirmation. I did the same process again and this time it worked and gave me a confirmation but i noticed a few hours later that my banking app showed 2 deductions of {$1200.00} so I called BMW and they said NO we only charged once. I thought it would clear itself up next day but it didn't so i called my bank and reported it because they saw that it was 2 deductions indeed!

I called BMW again and this time a guy told me yes, there was indeed a double charge and i had to email them PROOF, which i did RIGHT AWAY. 9 begged them to hurry because they literally tool tqo payments at once! At a horrible time like this this has devastated me and I have been unable to make my other bill payments because of them! Im so FURIOUS as I have written 3 emails to that same department and NO ONE at BMW is getting back to me and no one at XXXX XXXX XXXX XXXX or BMW has RETURNED MY MONEY!!!! I am literally living on the few hundreds bucks i have left, shame on you both! No one has reached out or responded and I was told that it would be hurried because I expressed that this was NOT my fault and two deductions were NEVER authorized!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: IL
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:
OnXX/XX/XXXX I sent a certified letter to Equifax and the XXXX XXXX XXXX XXXX XXXX XXXX {$760.00}, I Included a copy of the Explanation of Benefit that was paid by XXXX XXXX XXXX XXXX to the Primary Creditor XXXX XXXX XXXX XXXX. I informed Equifax and XXXX XXXX XXXX that they are reporting fraudulent information and ask them to delete it from my credit file. Its been past 30 day and they have not did anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Receivables Performance Management, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the same issue from complaint # XXXX. XXXX XXXX XXXX ( XXXX XXXX ) is still harassing us with trying to collect a XXXX. bill. Now they are using RPM debt collection agency to try to intimidate to collect something we have discussed and finalized with XXXX XXXX XXXX ( XXXX XXXX ) supervisors.Review complaint # XXXX-XXXX  and have them stop harassing us! XXXX XXXX XXXX needs to listen to their recordings from the dates and times I have listed. XX/XX/XXXX at XXXX XXXX. when I talked with XXXX and her supervisor XXXX. I was told that I owed for 2 days service and to return the equipment. They would send a box to return it in. XX/XX/XXXX at XXXX I told XXXX the it wasn't disconnected yet. He said the account was pending disconnection for XX/XX/XXXX. I told him about the conversation with XXXX and XXXX, he said that their was nothing he or myself could do about it. I would get a bill for the full amount, and I would have to contest it. That is what I have been doing for a full year now! This is a scam!!! XX/XX/XXXX the service was disconnected and I talked with XXXX  at XXXX. She said that I owed {$8.00} for 2 days service and that it should have been disconnected on XX/XX/XXXX.I paid the {$8.00}. XX/XX/XXXX I get a bill for the full amount. I talk with XXXX at XXXX and she was going to look into it. She stated there was nothing in the notes from my previous conversations. She would be escalating the complaint and I would get an email or phone call in 24-48 hours. I asked her to put in the complaint notes to listen to the previous recordings. She said she would.I heard nothing back until we get another bill on XX/XX/XXXX. My wife calls XX/XX/XXXX at XXXX and talks with XXXX employee # XXXX and XXXX supervisor XXXX XXXX. They inform my wife that the account is at {$0.00} We hear nothing back. We get a collection notice from XXXX in XXXX. XX/XX/XXXX at XXXX I speak with manager XXXX. She said she will have XXXX XXXX manager listen to the recording on XX/XX/XXXX. XX/XX/XXXX I send an email to XXXX disputing the bill. This is ongoing harassment that needs to stop!!

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 2021-10-14
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: WELLS FARGO & COMPANY
State: NJ
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:
My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX ( 30 day reporting ) I wrote the Wells Fargo on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my Wells Fargo accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from Wells Fargo to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe Wells Fargo has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.

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 2021-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
I have two disputes with USAA 1 ) I was charged the wrong amount w/ USAA Case Number XXXX. 2 ) I was charged twice for USAA Case Number XXXX I have tried to dispute these with USAA but USAA is being negligent and not working with me. They have not called me about these cases or communicated with me in anyway, but continue to deny the claim. When I called to check the status of these claims, they advised me they were closed because no documentation. If I can not get the merchant to give me a receipt, I don't have one, and USAA can't provide one, how can they possibly continue to charge me? USAA Has made no efforts in working with ME to resolve these claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.

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