BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information on the credit report is fraudulent

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 2017-11-28
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed chapter XXXX bankruptcy on XX/XX/XXXX.XXXX/XXXX was one of the Creditors in the bankruptcy.A few years ago every creditor i filed chapter XXXX bankruptcy against has disappeared on my credit reports except XXXX/XXXX.Currently my credit reports shows Michigan XXXX XXXX under Public Records and XXXX/XXXX under closed accounts.No other creditor i filed bankruptcy against is on my credit reports except XXXX/XXXX.Ive tried disputing on all credit reports and even called XXXX to remove under closed accounts, but for some reason they wont.Currently, My XXXX report shows : Date opened : XX/XX/XXXX Balance:XXXX Pay status : Account included in Bankruptcy, closed account Date Closed:XX/XX/XXXX Date updated:XX/XX/XXXX Last Payment made:XX/XX/XXXX High Balnce:XXXX Credit Limit:XXXX Remarks : Chapter XXXX Bankruptcy ; Acct info disputed by consumer ; closed by credit grantor I have takened all steps to resolve my issue with XXXX/XXXX and cant get them to make corrections.Its like they are punishing me for filing chapter XXXX bankruptcy against them

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 2017-12-06
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recoveries never sent an initial notice giving me the opportunity to dispute this debut they are attempting to collect in which they allege belongs to me in the amount of {$2400.00} to XXXX XXXX. They continuously send letters demanding payment, and even stating they will send to legal department. Upon checking my credit report I found this inaccurate information and submitted a dispute. They mailed a forged letter allegedly from XXXX XXXX, in which the address listed on said letter is not my address. This company has managed to find my true and correct address with no problem when they send payment demands, and letters from their attorney, however the said validation letter states an address that isnt mine, but this is all information sent over from alleged original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I placed a dispute on a purchase on XX/XX/22 about a credit card purchase made where the product was not delivered, on XX/XX/22. I purchased an account for a virtual game service on XX/XX/22, and have no access to the account as of this day. I have not received the product that I paid for and have not been able to correspond with the company. I would like this to be remedied and get my money back. 

I can provide evidence of being unable to log in, but I have not gotten anything from them about how to correct this issue.

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 2019-04-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a 4 year old who is starting school in XX/XX/2019, which I have to pay $ XXXX monthly for ( not by choice ) and I also now live on my own paying a $ XXXX monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with Navient/SallieMae at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Keybridge Medical Revenue has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-06-25
Company: Nelnet, Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for reviewing the complaint. After reviewing the credit profile, Nelnet continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Phoenix Financial Services LLC
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
OnXX/XX/XXXX, I went to XXXX XXXX located at XXXX XXXX XXXX in XXXX, CA to withdraw money from my American Express Serve card. I went through the process of entering in my pin number and the amount along with which account to take the funds out of only to have the ATM machine not to dispense any money. I waited a good 3 minutes to see if the machine would dispense any money, before attempting to it again since I had some bills to pay that was due in a day I really did not think nothing of it, so I attempted to try again only this time the ATM machine said withdraw is not allowed. A male was waiting to use the ATM and stated oh that ATM machine is always breaking down and went inside the branch. I was waiting longer than normal for my ATM card to be returned.

A female employee came outside and asked me if everything was okay, I stated the machine final gave me my card I did not think much of it, she looked at the ATM machine and went back in, I on the other had went to another XXXX XXXX near where I was at this time it was in a grocery store only for the machine to say that contacted lender. I then looked online only to discovered. The funds was showing as if I made a transaction. I attempted to make a transaction but no funds was dispense.

I had to be at work at XXXX XXXX. so I had to head to work on my break on XX/XX/XXXX. I contacted my bank to dispute the charges and on XX/XX/XXXX my bank sent me an email informing me that my dispute was denied. I then contacted XXXX XXXX to inquiry why would my bank American Express serve would say that ATM vendor indicated funds was dispense when they were not.

I spoke with a person by the name of XXXX she informed me that a detail investigation was not done and that American express Serve need to request the date stamps, camera, error log. She only mention that a basic one was done and I need to contact my lender to re investigate.

I contacted my lender on XX/XX/XXXX. I am late on a few bills because of this situation that I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2019 I received an alert there was an account added to my report as a collection from Credence Resource Management for XXXX the company is also apposing as an attorney as well with no contact info, I have no idea what this matter is as I am a victim of identity theft and it has been on my credit report for years, the company has not sent any validation, no written notice or I have no understanding of the debt so I am asking the company to remove this item from all my credit reports until you have all proper documentation and validation just putting the info on my credit report is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 : received a call that I missed in which they left a voicemail stating they were calling me as a legal representative in regards to a case number and that they would now have to contact my employer to locate me. Then given the number to XXXX to call. 

I called to find out what it was because I thought it was something in regards to my unemployment benefits since Im currently out of work and needing the assistance. I was then told it was for ace cash express and I needed to pay XXXX and I stated I couldnt pay that right now so they gave me an amount of XXXX for by-weekly installments I was driving and asked if I can call back and the representative said if I hung up she would mark me as refusal to pay. I was driving.. I ended up disconnecting as I got to my destination. 

XX/XX/2020 : I received a second call from the legal representative in which she ends the call with my name and you will be located .... in a threatening manor. So I call the 855 number left again and was then trying to figure out more information about the legitimacy of this company but they refused to answer when I asked who they were. And so I hung up. 

I felt intimated and then just reached back out to same number and got a representative on the line who then placed me on hold and transferred me to the representative from from. I then explained to her at this point I wasnt able to fulfill an agreement of paying the amount of XXXX dollars BI-WEEKLY as I wasnt working right now due to corona and not expected to return back to work at the end of month. Hopefully. She then said she was going to put me on hold and see if she can talk to in-house counsel to hold off. She placed me on a 1 minute hold and said nope they cant hold off, so she is going to have to put me down as refusal to pay. and an officer was going to locate me at my address to take me to court. I didnt refuse to pay anything nor have I ever refused to pay this company, I have had little to no contact that I can recall from ace to collect payment back on my payday loan borrowed.. I tried to work with their hired debt collector to see if I can  pay when I began working and they refused. So now they are threatening to serve me and cost me XXXX of court fines from a XXXX dollar loan I owed in which I was paying on through payments.. I feel as this is unfair to me as I wasnt given much option to pay back what I owed especially since Im out of work right now and have no income to pay. I feel just harassed at the fact I was threatened to have officers look for me at my old job, home, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase keeps denying my credit increase request when my payment history is sound. They denied my credit when I had a good score and denied it when I had a bad score. Speaking with someone there at Chase said something to the effect that they use " judgmental lending '' meaning it is arbitrary. They claim to use my credit score/report but this is a smokescreen. 

I tried to contact the cowards at Chase but the person who responded to my last complaint always goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: AK
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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I closed my business Paypal account in XXXX with a zero balance which Paypal says it has to be to even close an account. XXXX XXXX, XXXX Paypal linked to my new account with {$560.00} in it and froze it without warning. 

Apparently their was credit card chargebacks on my old account that I had previously closed. There was 11 customers who received their luggage and they chargeback on my account that was closed. If I was alerted to this problem and showed Paypal my tracking numbers these customers would not have been able to chargeback on my closed account because it would have showed that the luggage was delivered in good working order. But since I was not notified by mail or email which Paypal had and did not notify me, a amount of {$600.00} was charged back on my old closed account. 

When I closed the account, Paypal assured me that nothing can be done to me account if it was closed. 

They linked my account which they have in the past and it was fine with notifications and I had alway been notified. 

This time no notification, no alerting me, no emails, phone calls, no mail to my address all of which they have on file. 

I had to use this money for my child support payment which they froze without warning. 

Now I am out of the {$560.00} which I had in my account and I will never see again. Now I understand if they would have alerted me I would have had ample of enough time to fight the chargebacks and my so called mysterious balance. I am out my luggage that these folks still have and never returned and I am out {$600.00} from Paypal. 

This is freud and I also know they are not a bank and apparently unregulated. I am surprised that there is nothing I can do in this case and feel like an am robbed of my money with Paypal. 

There are folks who have this happen to all the time. But my case is a closed account. This is new and never has happened with Paypal. It just happens to be a new thing fro them to do what they want without cause or warning. 

Please help. I can be reached at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.

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 2019-04-26
Company: EQUIFAX, INC.
State: VA
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:
The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major  reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXXt {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX. I made a transaction through Paypal for {$800.00} to be paid to myself. I called the call center to find out what needed to be done from my end to finalize the transaction. I learned that it was not the correct procedure for me to get the money. I did receive an email stating : " XXXX XXXX will receive {$800.00}. '' I had numerous call and chat conversations and no one knew how to get the process rectified. 
On XX/XX/XXXX, I filed a dispute, to get the money I paid. I received a response the stated : Since the problem was not a billing issue it's denied. I also received another response on the outcome from the dispute : " The outcome of the case was not in your favor. '' At this time, I still don't have the {$800.00}.

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 2018-02-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I know nothing about this 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