BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: DISCOVER BANK
State: OH
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:
Our boss sent an email ( it was actually a scammer who hacked into her email ) and asked to get 3 gift cards and call and give the numbers to her client who was waiting. She was unable to do it herself at the moment because she was involved in a conference call. She said she would reimburse the cost. She needed 3 separate {$200.00} gift cards. we used our Discover card for two {$200.00} cards. Discover called to ask if we made that purchase which we did. Later that afternoon our boss notified all employees that she had been hacked and to not respond. Unfortunately, several people in the company had already responded. 

We do have a Police report. The purchase was made at XXXX using our Discover card. We talked to Discover and they basically said sorry you made the purchase but had your card been stolen ... so because we are honest and not lying about a stolen card we do not get refunded the money. Discover has numerous farad/theft protection safeguards in place. They have huge buying power and influence. They could dispute charges with XXXX. I feel they have numerous more avenues of recovery than the average consumer. Providing a Police report should be enough to gain some or all restitution. They basically said there was nothing they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. XXXX XXXX and Navient are constantly calling whether a payment is scheduled or not. XXXX XXXX will not work with other payment arrangements either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: GA
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 RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Is the worst Company ever!! Not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and I have already filed a complaint with HIPPA regarding there ILLEGAL ACTIONS that are affecting Hard working citizens everywhere such as myself.They are violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was not granted any minimum payment forebearance waiver.  I did not make my XX/XX/XXXX minimum payment.  That is the help I needed in XX/XX/XXXX related to Hurricane Irma!  The help provided in the Bank of America response is of no help.  I will be filing complaints with the NAACP and ACLU.  I'm not satisfied at all.

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 2021-08-09
Company: EQUIFAX, INC.
State: TN
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:
I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital is reporting late notations on XX/XX/2019. My husband and I worked for a company that ended up going bankrupt and leaving both of us with no work. We kept getting promises of getting paid and we went months without receiving a paycheck and when the company went bankrupt, we saw no pay for the months of work that we did. We fell behind on accounts and caught up as soon as we could. We ask that Chrysler Capital please remove the XX/XX/2019late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I called XXXX to report a dispute with the balance on my ALLY Financial Account stating that the balance was incorrect by several thousand dollars. I submitted a dispute online as well on XX/XX/XXXX (  dispute ref # - XXXX ). I waited for this dispute to take place for several weeks.On XX/XX/XXXX I checked my account to make sure the issue was resolved as I started to apply for credit and was getting denied because my debt ratio was way over the limit. This issue got me upset and I checked to see what the problem was. I found out that XXXX duplicated my Ally Financial account using the same account number and all other information except added a different balance and now my installment Amount doubled from {$27000.00} to {$55000.00} SO, my credit score dropped drastically and now it looks like I am indebted with more vehicles and a duplicated balance. This infuriated me as now it has made me look as I have more debt than what I can handle which has cause a big burden on my credit and now it puts a stop to my life since I am trying to obtain credit to finish opening my business.I immediately called XXXX and brought this to their attention. Again, submitted another dispute by phone and online ( Ref # XXXX ) on XX/XX/XXXX I checked again and still, they have not removed the duplicated account. Again, I called but this time spoke to the Disputes Dept XXXX and explained to them the issue. They said to give them 5 days and they will fix the problem. Now, it 's been 4 months now and still, the issue has n't been resolved. I checked again on XX/XX/XXXX ( ref # XXXX ) and this time XXXX said these accounts were mine and I was responsible for the full balance and that they will not remove the second Ally account and that they had spoken to Ally and Ally said they are my accounts. Now, this is not true, as they lied to me.This is ridiculous! I now called Ally XX/XX/XXXX to see if they can help me with this problem and Ally said they sent them a letter saying I only have 1 account and gave them that info ( ref # XXXX ). I do n't know where to turn, I 've tried everything to get this issue fixed and XXXX will not cooperate. Please help me, this issue has put a STOP to my daily living as we use our credit for everything we do in life. It 's now 5 months and nothing has been resolved!

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 2021-08-09
Company: GFS II, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX Gateway Financial Solutions repossed my car with my property in the car, my children 's XXXX, clothes shoes, my purse, my driver license and my ear pods, They have refused to give me any of the said items including my cash in car of XXXX $ I would like 2 retrieve my items. THEY ARE ASKING ME TO MAKE A PAYMENT OF {$150.00} TO RETRIEVE ALL ITEMS IN VEHICHLE. THEY HAVE REFUSED TO GIVE ME ANY ITEMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They never approve my credit line increase requests always get the same response letter they dont value me as a customer even for the holidays they wont increase it and I want a second card they decline me for a new account I wanted thr delta sky miles card since I travel so much with them and can get miles by having their card but they wont approve me and always complain

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Netspend Corporation
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I processed an ATM transaction at XXXX XXXX XXXX in XXXX, In using an XXXX stand alone ( not named by the casino ) ATM. The ATM maintained and I did not receive my money. The cash XXXX at the XXXX called XXXX and verified the ATM was not communicating and they took it out of service. I immediately called the number on my Netspend card and reported the issue and filed a dispute of which I got an email confirmation of. I heard nothing for the next 8 days until I called NetSpend to find out I needed to ask for a provisional credit in writing, which I did on XX/XX/XXXX and recurved a confirmation they got the request. Immediately following that I contacted XXXX to see if there was anything they could do and they advised they had not gotten a request for charge back on the transaction from my debit card. I then called NetSpend back and I was then told they had until XX/XX/XXXX to respond. On XX/XX/XXXX I responded to a survey from the casino in which I explained the situation and explained I was frustrated but the assistance I had gotten from the casino. The Director of cash for the casino promptly contacted me and asked me to give her the details so she could see what she could do. She contacted XXXX and they found the transaction and confirmed I did not get my cashed and processed a charge back to my account for {$200.00} ( XXXX + XXXX ATM fee ). On XX/XX/XXXX I sent an email using my secure inbox for my account stating the above and asked when I was going to get either the provisional credit or my money credited back to my account. My understanding from the casino and XXXX was that this transaction falls under Reg E compliance. I received a letter on XX/XX/XXXX starting they did not issue a provisional credit because I don't request it. I once again emailed them using my secure inbox in my account and advised I not only requested it but also got a confirmation from them that they got it. I got a response back today starting that my transaction doesn't qualify for a provisional credit since it, according to NetSpend, doesn't fall under Reg E. They received the charge back on XX/XX/XXXX and I just recurved an email stating that the next update on my dispute will be XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AES/PHEAA
State: NY
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:
All FedLoan in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: DISCOVER BANK
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 had my identity stolen and someone had used my information and opened up discover card and not paid Discover Account number XXXX XXXX Acct No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is an account on my experian credit report. Account is closed, and paid off. Please remove this account from my experian credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.

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 2020-11-18
Company: Payment Resolution Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a medical flight was taken for our now deceased son and was covered by XXXX XXXX XXXX XXXX. XXXX  XXXX sent us the money for the full amount of the flight, and months later we gave the full amount of the check to XXXX XXXX XXXX for the flight. 
On XX/XX/XXXX, a year later, XXXX  XXXX stated that they over paid us, and now wanted us to repay {$790.00}. We appealed, but during the appeal process XXXX  XXXX kept sending us an overpayment recover letter. 
On XX/XX/XXXX PAyment Resolution Services out of XXXX, TN sent a " Refund Request '' letter stating that for that service we now were in collections for {$790.00}. 
On XX/XX/XXXX a settlement was reached for {$430.00} with Payment Resolution Services and paid, authorization code XXXX. PRS stated a XXXX balance letter would be sent, but never came. Numerous calls were made, 23 to be exact, most to Payment Recovery MAnager, XXXX XXXX. XXXX XXXX never called back or picked up the phone after 11 voice mails. 
On XX/XX/XXXX a second " Refund Request '' letter was sent for the exact same claim, with the same date, but now a PRS account number for exactly double the first amount of {$1500.00}. 
Over 51 phone calls were made between XX/XX/XXXX and XX/XX/XXXX, mostly to XXXX XXXX, and 23 voicemails were left, but no return. An agent, XXXX, stated that these letters are automatically generated, and she has no control over how they are sent to clients. She advised me that I should pay this amount. She stated she saw that my first account was closed out, but would not send me a XXXX balance letter until the second account was paid. She advised that due to COVID-19 I could not come and pick up the letter, I could not have it mailed ( no mail person in the company ), it could not be faxed, and it could not be emailed. I would have to wait for a mail person to be at the company for her to hand deliver the zero balance letter, after the second account was paid. 
XXXX  XXXX representatives have stated that I do NOT owe the second amount of {$1500.00} and they never contacted PRS to collect on this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a bill in the mail from XXXX in XXXX, OK in the amount of {$270.00} Who ever opened an account in my name over the phone for limit of {$300.00}. Received the money above. My address was wrong they listed XXXX XXXX XXXX over 200 miles away. phone # was wrong old # I had changed last XX/XX/XXXX. I called XXXX they cancelled the card and are sending me info form to fill out form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was added as an authorized user on an account ( XXXX XXXX/ XXXX XXXX XXXX ) and I have requested to be taken off as an authorized user. The owner of the card has taken me off and requested the issuer to delete me from all reports with the credit bureaus. All credit bureaus have done so with the exception of Transunion.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account was opened on XX/XX/XXXX, On XX/XX/XXXX I mailed letters of violation of code 15 USC 1681a ( e ) notifying them of my wrights.

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 2017-12-20
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved out of XXXX XXXX apartments I XX/XX/XXXX because non English speaking personnel kept entering my unit without giving any notice at all times of the day and night and management would not do anything about it. I gave proper 30 written notice that I would be moving out. I paid the {$570.00} last month rent on time and in full with a money order. I did not damage the unit. They took my entire security deposit. I did not know I was sent to National Credit Systems for this fraudulent debt until I was denied housing for property debt from this company XX/XX/XXXX. I ca n't find a place to live because of this unfair and inhuman fraud! I have never received an explanation of charges even though I requested it. Instead I received a threatening letter XX/XX/XXXX stating they rereported the false debt to all three credit bureaus and will adversely affect my credit for as long as they please because I wo n't pay them {$1800.00}. How does {$570.00} become {$1800.00}? I presume one of the management cashed the money order for themselves. Again, I have never received an explanation of charges!

Company response to consumer: Closed with explanation