BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$23.00} ; XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX Balance : {$8900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2019
I just received a request from DISCOVER Credit Card Service asking me to sign Document 4506-T. I appears to me, by signing this document, DISCOVER will then have access to my IRS tax returns and any other info IRS may have on me. DISCOVER did not require me to sign such a document when they extended me credit years ago so I don't see why they feel they are entitled to it today. I have been doing business with them for years and ALWAYS pay my bill on-time and in full. They told me if I don't sign, they will cancel my accounts. They have already froze my account so I can't even see my recent transactions or where I stand financially with them.  I have given them absolutely no reason to take this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had {$7000.00} transfer from my savings to my account then transferred to a personal account without my consent. My bank did a investigation on this dispute and determined no error occurred, case closed. XXXX they can do more with this investigation or at least refund the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started working for a public service organization in XXXX, 2011. I called Sallie Mae to make sure my loans would qualify for the Public Service Loan Forgiveness program. They told me that my loans would qualify, and that there was nothing else I needed to do besides stay current on my monthly payments for 120 months. 

It turns out that was misleading information, which came to my attention more than 3 years later. I moved my loans at that point to Fed Loans, so now they do qualify. 

I am still extremely upset about what Sallie Mae did in this instance. I am requesting a remedy from them, or to get credit for the 36 ( plus ) payments that should have counted towards the 120 needed for loan forgiveness. 

Please help, or direct me to any appropriate place to resolve this matter. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have two long-standing credit cards that were taken over by XXXX XXXX  a couple of years ago ( JC Penney and WalMart ). I moved recently and as I worked my way through all my credit cards, I found that the only contact number for these two cards was my old home phone number, which has been cut off because I moved. As stated, I have had these two cards for years. XXXX XXXX insists on sending a text message to my phone before it will allow me to change my profile, but they won't accept my cell phone or my new home phone, neither of which I had years ago when these accounts were opened. I talked to customer service about the Walmart card and they told me to make copies of my driver 's license and a utility bill for the new house and send it by mail, which I did ( copies attached ). I have also given pertinent security information over the phone ( last 4 of SSN and mother 's maiden name ). I called to follow-up about a week later and they apparently had no idea what i was talking about. Then about the same time, I got the attached letter from them asking for this same information! This is ridiculous! They say they are trying to prevent fraud, but they are inviting fraud by not allowing me to change the address and email! Today I got to my JC Penney card and the exact same thing happened and they are going to try to make me jump through hoops to fix that one too. My JC Penney card has a XXXX  balance, and I am going to pay off my WalMart card this week. I doubt a fraudster would pay off my credit card for me. And incidentally, when I do, they will start lowering my credit limit because I am not using the cards, which should be against the law. Please see if you can persuade these people to allow me to change my profile for these credit cards. I would close them both but both have a high credit limit and it will hurt my credit to close them. This whole thing is ridiculous! I have attached all the pertinent correspondence. Thank 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 2021-02-10
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items. 
I expect all items to be deleted as the credit bureaus are non- compliant and now in violation.

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 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 called capital 1 credit card manager XXXX said she wont give me {$38.00} late fee credit. my payment was not late i paid it on XX/XX/XXXX at XXXX central time and she said it aint late til XXXX eastern time which it would not make it late. i did the payment on the capital one website so i have proof in writing that it was not late and paid by XXXX centeral time so i will not make anymore payments to this card until im credited this late fee of {$38.00}. and a late fee of {$38.00} is quite high for a late fee and im disputing this. until i get {$38.00} late fee no more payments will be paid to this card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame. 

The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts. 

i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/30 customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay

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 2023-05-19
Company: EQUIFAX, INC.
State: MA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: DISCOVER BANK
State: NY
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/2022 I purchased shoes on XXXX, the shoes did not arrive or were stolen. I first disputed with XXXX they advised me to dispute it with the bank. Bank keeps posting back and forth the transaction, taking money away and posting it back, yet, 90 days timeframe for investigation isn't met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank did not send funds from my escrow account to pay for my homeowners annual premium before the due date. Consequently, my homeowners insurance company cancelled my policy for " non-payment of premium '' on XX/XX/18. I received the cancellation notice on XX/XX/18 - after the insurance company & bank had closed. I was a nervous wreck all weekend worrying about not having insurance. My premium was due on XX/XX/18. TD Bank didn't mail the premium until XX/XX/18. Insurance Company didn't received payment until XX/XX/18. I have been re-instated after many stressful phone calls. This should never have happened. My insurance company sent out the original premium invoice in XXXX. I called TD bank on XX/XX/18. XXXX assured me that payment was pending, but it was too early to send it..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 ANFI sent me a letter stipulating that I owed money for a debt they are trying to collect. They identified the debt as liability for a claim of {$5000.00} owed to XXXX XXXX XXXX XXXX regarding a loss that occurred on XX/XX/2020. No such liability exists to the best of my knowledge. I have had no accidents, nor any claims made against me or my insurance company during the time period described. My name is misspelled in their letter, further eroding the credibility of their request. I am concerned that even though the claim appears to be false, they will negatively impact my credit rating or bring further collection actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I Decided to send money via Western Union to my brother because my sister was hospitalized. I wanted the money to be there on time that means the same day money transfer. However, my brother was not able to get the money until now. I requested Western Union to cancel this transaction after several days, but Western Union was not able to send the money me my money back via my account that I made the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2022-01-06
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX and made payments directly to them. I still have {$98.00} remaining to pay. I still have debt collectors calling me from Robison & Regan daily from multiple different numbers throughout the day. Leaving several voicemails stating this is a very important call for ( my name ) trying to collect a debt. I have talked with them before and let them know I worked out payment arrangements with the actual company itself to whom I owe money. The amount {$230.00} they are claiming they need to collect from me is incorrect. I want Robison and Regan to stop harassing me daily with numerous calls and voicemails. Also the balance reflected of {$230.00} is incorrect and it affecting my credit. This is not an accurate balance on my credit report and I want this updated immediately. I will be happy to provide receipts, & phone number where XXXX can be reached for proof the balance Robinson & Regan collections agency is trying to collect from me is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: WA
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 have both successfully and unsuccessfully file disputes online via Equifax 's online dispute center. When successful, once I am notified of the results being available, I am unable to access them due to my info not matching what was on file. 
On one occasion when I called, the service rep told me the online system was down. Today when I used their web chat, I was told the same thing. For the past 3 days, including today when I have called, I was told by the rep that the 'system was updating and to try again later. ' The recording on the customer service line even has the nerve to send you to the site to submit and check the status of the report. 
My concerns are that they are offering services that are inefficient and ineffective if the customer is unable to use them and Equifax is unable to provide timely solutions when they are aware of issues with their system. Additionally, why are updates taking place during normal business hours impeding customers ability to get answers and access to their credit report. That is insane! They a once of the primary credit reporting companies that are used to impact millions of customers financial knowledge and well being daily. That should be unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a letter with a debit card for a checking account opened with Chase Bank. The problem is that I never opened this account or have any accounts with Chase Bank. I contacted the company and explained the situation. They put a hold on the account, basically froze it, and put me in touch with their fraud dept. They started a fraud claim and told me to file a police report locally, file a report with the FTC. and report it to all 3 credit bureaus. I am in the midst of doing all these things now. I am not sure how my information had gotten hacked and have no lost or stolen cards, home or car thefts, or online hacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/79SSN=XXXX  ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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