BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.

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 2019-09-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX XXXX was used to make a bill payment to my Citibank Double Cash Mastercard. Per the bank the payment was sent via live check : Payment Details Payee : Citibank Credit Cards, XXXX Notes Category : None Amount : {$50.00} Payment type : Check XXXX Payment option : MANUAL Paid from : Checking, XXXX Deliver by : XX/XX/XXXX Confirmation : XXXX I believe that Citibank has received the payment but lost or misplaced it so as to collect late charges.

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 2022-01-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was transported via ambulance from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX aka XXXX XXXX XXXX, aka XXXX XXXX XXXX on XX/XX/XXXX. They are an out of the network provider. Their services were selected by unknown person ( s ) at XXXX XXXX XXXX without my specific knowledge. I was billed {$1500.00}. XXXX insurance covered amount {$1100.00}, leaving a patient responsibility balance of {$200.00}. The {$200.00} balance was paid in full through XXXX 's payment processor, XXXX, on XX/XX/XXXX. I have an online receipt available through XXXX. There was a disallowed amount of {$160.00} as referenced on the XXXX EOB : " XXXX - XXXX XXXX XXXX : THE SUBMITTED PROCEDURE CODE IS DISALLOWED BECAUSE REIMBURSEMENT IS INCLUDED IN THE PRIMARY SERVICE. Since then I have been repeated harassed by telephone by Wakefield Associates, XXXX TN claiming an outstanding balance due of {$360.00}. During several phone conversations in XXXX, they were informed that the debt was paid in full to the original debtor and to stop harassing me for a debt that is not owed. Their latest phone voicemail was left on XX/XX/XXXX at XXXX AM EST. They continue to phone my mobile number on XXXX and leave a voicemail " ... call so-and-so at Wakefield Associates '' without a mentioning a reason for the call or identifying their identity as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Klarna AB
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Purchased a new mattress who uses Klarna Inc as a payment provider. Since then, we receive bills in the mail from Klarna, but their website will not link my contact information to my account, which makes it impossible to make a payment online. Customer support is at best described as terrible utilizing only a website " chat '' function because their XXXX number just disconnects you when you try to use it. I want to pay off my account so I never have to use this terrible website again, but they won't allow me to make a payment and they are now saying I am behind in my payments even though I HAVE TRIED NUMEROUS TIMES. This company is fraudulent because they willfully prevent consumers from making payments, then they charge a " fee '' when the payment is not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX I reached out to Equifax to dispute inaccurate information on my credit report. They claimed to open an investigation and found the information was correct. I asked the, to verify that the inquiries were in fact done by me and they could produce no evidence. Therefore, it is unfair with no evidence to assume the inquiries belong to me. According to law, anything on my credit report that is inaccurate information has to be deleted. It can only stay on my report if their is evidence and this bureau could not find any because they were never done by me.
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Securus J Holdings, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company is Jpay. I typically send money to inmate through their services via online method. A few weeks ago, an unathorized individual sent money via phone, using my account. During the investigation, Jpay blocked my account but did not take steps to properly secure my account from unauthorized users. Instead they blocked my account from me. I escalated the issue multiple times before it was reviewed. Then they unblocked by ability to send messages but still blocked my ability to send payments to the inmate. I am the authorized account user. They have the poorest customer treatment, poorest communication skills both verbally and written, and do not quickly resolve matters. I am still unable to send funds to my loved one. An incompetent organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.

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 2019-09-19
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$340.00} no action took place canceled my service with this company to get with a better company now they stating I owe this amount didn't realize it at all now it's on my credit and I can't afford to pay it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Advanced Resolution Services Inc.
State: IL
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 mailed a letter through the USPS Certified Mail, to request my consumer file, a security freeze, and information deletion. The letter was delivered on XX/XX/2022 according to the tracking number. They are supposed to respond within five days indicating receipt of my letter. I have yet to receive : my consumer file, a letter confirming that a security freeze has been placed, or a letter confirming deletion of my information from their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AFNI INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
This company Contacted me by letter on XX/XX/XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XX/XX/XXXX and told them that this was not mine. This company also called me today on XX/XX/XXXX and Told me if I did not pay the amount of {$1700.00} that they would contact Immigration services and have me deported. This is so wrong on so many levels because I am a NATURAL BORN CITIZEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Constar Financial Services, LLC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now XXXX XXXX. I assumed that XXXX  XXXX knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX I was sent another message letting me know that my debt belonged to a company called " Constar '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a XXXX XXXX basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. Now I 'm writing to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX I have received an email from Chase Bank that someone called and let them know that someone posed as me online to let them know that that large purchase would be made to my credit card. I did not make the call and at the end, it says to call me to report if I did not request this spending notification. The email was sent to me around XXXX XXXX and XXXX XXXX and I checked my email around XXXX XXXX at work and I promptly made a call to Chase to find out what was going on to XXXX as per instruction on the email. Someone was making an online purchase at XXXX XXXX online store and trying to charge like over {$2000.00} which was not aware of. I reported the fraud and they promised me that they will protect me and resolve this issue. Next few days, I received a notification regarding this fraudulent charges and the charge was reversed. Today, XX/XX/XXXX, I received a phone call from XXXX at chase bank that she investigated the charges and she can not reverse the charges and she will have to put it back in my account. I asked her to provide me an evidence. but she refused to do so. She kept on saying based on the merchant 's evidence they provided and she can not reverse it because of the evidence but she can not disclose the evidence that is for sure that it was me. When I told her that I want to appeal to this, she said I can not appeal to it. She did not give me a chance to appeal at all. She simply put me on hold for 5 minutes and told me this will go back to my account in next billing cycle. I was upset and I was angry. She did not even give me an option to do anything and trying to punish me for what I did not do. she did not let me speak to a supervisor at all at the time of phone call and she refused to escalate the case after I threatened her multiple times. After numerous argument and yelling and threatening her, she finally told me that she would escalate the case but she still did not provide me with proper information and evidence how she got to her conclusion that the charge is mine which is NOT mine. She told me that she will send me an email but she never. She accused me as a thief, accused me to lying, accused me of deceiving Chase and she caused huge XXXX XXXX to XXXX and a XXXX  XXXX XXXX women by wrongfully accusing me based on wrongful conclusion she made without proper channel confirm it. I want to report this inhumanly treatment she has given me on this wrongful accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: FISERV INC.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went inside the XXXX Bank now XXXX XXXX on XX/XX/XXXX to inquire about a charge in the amount of {$88.00} on my account on XX/XX/XXXX. The branch was unable to give me a number for the merchant. The desk representative sent an email to XXXX XXXX XXXX called me back on Friday evening and told me without a XXXX ID at the time she was unable to help me and would return my call. Unfortunately, she never did which prompted me to reach out to XXXX XXXX on XX/XX/XXXX stating : I'm trying to cancel services with the POS vendor I was setup with. I never received {$450.00} credit that was promised. My nonprofit, XXXX XXXX XXXX XXXX XXXX is small and the charges at this point are rising and not something we would like to move forward with. We were just charged {$88.00} and I'm not sure what that is for. 

Since, the XX/XX/XXXX I have been given the run around regarding my {$450.00} promotion for signing up for the services was never given to me. It was suppose to be credited to the account within 60 days of me signing up. I have been charged a fee of {$88.00} and not sure what it is for. The merchant also told me in order to receive a paper statement that would be an additional fee of {$10.00} a month. I have been unable to access an online account to receive online statements. They sent me a cancellation form but have not offered a refund or explanation of charges or given me the {$450.00} promotion that should have been credited XX/XX/XXXX. I would not have signed up for the service had it not been for the promotion. The monthly fee should be {$9.00} month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. XXXX told me they can not talk to me. They told me I have to talk with Performant. Performant will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my automatic payment was scheduled to go through. On XX/XX/XXXX I received via email from synchrony bank a confirmation that the payment went through. Apparently the payment did not go through and I received no further communication from the bank, only the original confirmation that everything went though ok. Today I received the first and only call from them to which I logged in immediately and submitted a payment, but my account had already been charged a late fee, my account had been closed and the credit services notified. In other words they notified the credit bureau and not me. I got in contact via phone with a customer service agent from the bank to fix the issue, and even after escalating the issue with the manager she claimed that they can not re-open the account, only submit the suggestions to the consumer resolutions team, but that in no way guarantees a solution.

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 2018-01-10
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. 

I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.

Company response to consumer: Closed with explanation