BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had an account with XXXX XXXX that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to XXXX XXXX I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

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 2021-02-24
Company: Synovus Bank
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:
This company only excepts payments made by check by your bank or over the phone with a fee. If you mail a check it will always be late at they record the date they received the payment not when it was made. I tried making several over the phone payment and even tried closing my account but they just hang up. So now I have late fees and my account still isnt closed. This card company is committing major fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Services of Athens , Inc . XXXX XXXX XXXX XXXX, Georgia XXXX Local : ( XXXX  ) XXXX  Toll free : ( XXXX  ) XXXX Fax : ( XXXX  ) XXXX  This company has placed their name on my credit report XXXX and won't remove it Two separate acts I don't owe the dr called me from XXXX XXXX AT XXXX stating my acct was paid in full I had insurance XX/XX/XXXX/XX/XX/XXXX But maybe due to XXXX   breaches someone has placed this collection on my report Dr says he don't use coll of Athens anyways! Please forward to state attorney!

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 2018-04-03
Company: EQUIFAX, INC.
State: NC
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 notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning XXXX and XXXX so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I have made many many complaints to CFPB on Discover for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully Discover will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is sending me letters to try to collect debt that is over 15 years old. This is illegal in Texas.

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 2020-12-09
Company: CADENCE BANCORPORATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
In XXXX of 2020, I received a card dated XX/XX/2020 stating my certificates of deposit at Cadence Bank in XXXX, Alabama were up for renewal and I had ten days to respond or the CDs would automatically renew for the same term at the interest rate in effect on the maturity date. I called the toll free number and it went to the bank in XXXX, Alabama. A female employee told me she would ask someone in the XXXX branch to contact me. A few days later, Ms. XXXX XXXX, Branch Manager of the XXXX Cadence Bank, called me. We discussed the CDs and I agreed to renew the CDs for six months at a rate of .60 % which she stated was the rate the bank gave to their customers who had had accounts for years. She asked me to come in and sign the forms. Because of the Covid 19 pandemic, I told her I was in the high risk group and did not feel comfortable coming into the branch to sign the forms for renewal. She agreed to put the forms in the mail the next day for me to sign and return. However, I never received the forms. When I called her two weeks later, she apologized for not sending the forms and promised again to send the forms. I did not receive these forms either. I called for a third time and she again promised to send the forms. 

( See attached sheet )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed XXXX XXXX because it was on my account more than once last year or so after it had already been reported. It was removed and then they added it again as Receivables Performance along with XXXX XXXX. I disputed it with XXXX  and it was removed and they just added it again a day or so ago. This is not fair to me as it keeps making my credit score go down every time they add it. I asked for it to be removed in the beginning because it was showing up twice under 2 different names. If they want to put it on my credit fine but dont keep putting it on my credit under different names making my credit score go down when it was already on there once the first time and they are the ones that had it in my credit under two different names so I had to dispute it. This is not right or fair whatsoever. It says the debt remains for XXXX and then removed for Receivables Performance, so why is it on there again a few days ago. I never received any notice if reinsertion as explained by FCRA.

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 2018-07-13
Company: BlueChip Financial
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX, I was facing eviction and a cut-off of my utilities. I tried numerous ways to secure money to help avoid this problem. Unfortunately, I couldn't get any help. For that reason, I felt I had no choice, so I reached out to a payday loan company by the name of XXXX. I secured this loan in good faith and now I believe the company is holding me XXXX with unreasonable requests. The loan was for {$600.00} dollars and it was deposited into my account on XX/XX/XXXX. Every month beginning XX/XX/XXXX to this day, XXXX  has taken out of my account {$210.00} each month, for a total of {$1400.00}. I tried to close the account out on XX/XX/XXXX, but I was told that I would need {$530.00} to pay it off. I asked them how many more months would it take to pay off the loan, entirely, at the current monthly rate? The representatives at XXXX  told me, 3 more months, to XX/XX/XXXX. I can't afford this. I don't disagree that I borrowed the money in good faith but I believe XXXX is taking advantage of me. This is outrageous! I think I've more than satisfied this loan. I am a recently retired federal government employee and I live on a fixed income. In order to resolve this matter, I am hoping, CFPB sends a Cease-and-Desist letter to XXXX, demanding they stop all future debits from my banking account. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Was not notified of investigation status or results

Complaint:
I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.

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 2018-04-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In mid XX/XX/XXXX, I noticed a promotion from American Express for a new credit card called the AMEX XXXX XXXX XXXX XXXX. The promo was for AMEX to give XXXX XXXX XXXX points for making purchases for making {$3000.00} in purchases using the AMEX XXXX XXXX XXXX XXXX. I received the card an made over {$3000.00} in purchases by XX/XX/XXXX. 
I made a phone call to the AMEX Cust Service line XXXX on XX/XX/XXXX at XXXX and talked with " XXXX '' and was advised by XXXX that I was " completely eligible '' for the bonus and the bonus will be displayed on the next AMEX statement. XXXX confirmed that I had not had this credit card before so I was eligible for the bonus. American Express started this new card in mid XX/XX/XXXX. 
I received in the mail the American Express statement for the period ending XX/XX/XXXX. I thought the bonus would be displayed on this statement as XXXX stated in our XX/XX/XXXX phone call. It was not on the statement so I phone called on XX/XX/XXXX at XXXX. A customer service person named XXXX said I met the requirements for the bonus and she was putting my inquiry onto my account. XXXX affirmed that I had earned the XXXX XXXX XXXX point bonus into my file. 

On XX/XX/XXXX I contacted by phone American Express customer service. The Cust Service person named XXXX advised me that the bonus should be posted XX/XX/XXXX. 

XX/XX/XXXX passed by and no posting of the bonus points. So I called again to American Express customer service and talked on XX/XX/XXXX at XXXX with XXXX . XXXX advised that the bonus points will posted 6 to 8 weeks after I have earned the bonus. I had earned the bonus on XX/XX/XXXX when my total purchases exceeded {$3000.00} on that date. XXXX confirmed that my account had the American Express " Welcome Back '' bonus offer linked to my account. 

On XX/XX/XXXX XXXX. I called AMEX Cust Service and got XXXX.. She confirmed my earning of bonus on XX/XX/XXXX but did not know why the bonus was not posted. She put me on hold and did some research. She advised me that I had received this bonus before with a prior AMEX credit card. I asked her to start a complaint and was given a reference # XXXX. Was advised that the resolution process will take 6-8 weeks. I advised XXXX to place into the complaint my phone call on XX/XX/XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: GA
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 XXXX  Equifax continues to report a closed account late. They have done this 2 months in a row which has negatively affected my credit score in a tremendous way. They refuse to remove the late remarks. This needs to stop and those late reports needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are 7 Inquires on my credit that is not approved by me It is affecting my credit. I was a person that was a victim of the inquiry issue with TransUnion. These were misreported inquires. I called in a few times and spoke to Customer services but I was more like I was Irritating and just a waste of their time. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Delaware XX/XX/XXXX XXXX Mortgage XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2018-07-13
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On or about the beginning of XX/XX/2018 I was notified by email from XXXX XXXX that they were servicing a student loan in my name. I requested documented verification that this debt was, in fact, something I had taken out and to date, I have received nothing. After multiple emails and calls, I received a pay off amount of {$8600.00} from a customer service representative. I paid that amount in full on or about XX/XX/2018. I am now receiving threatening emails and calls about an outstanding and overdue balance on the very account I have paid off. After multiple calls I am being told I have an outstanding balance of {$63.00}. I have been requesting information and documentation about this debt since XX/XX/XXXX and have not received any documented indications that this debt is in fact mine. I have requested that XXXX XXXX   preserve any information about this loan for litigation purposes and when I asked for a contact in their legal department I was declined. When I looked online for a person that could accept service there was none listed, not even an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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:
Hard credit inquiries not done by me. My purse was stolen and fraudsters tried to obtain credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Equifax, XXXX and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX we managed the refinancing of our vehicle, which was carried out without problem. The fact is that to date the credit bureau reflects as a balance owed twice the amount actually owed, thus doubling our debit balance, which is undoubtedly affecting us, since we are obtaining for the purchase of our home. We are urged that the credit bureau reflect the reality of the debt. We contacted Capital Chrysler who gave us the settlement and agreed to send it, but days go by and my score is not updated, which is affecting my conditions and financial viability for the credit we are looking for. I appreciate your help and attention

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter in the mail from Choice Recovery Inc. regarding a medical bill from XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 's office for an unpaid balance. My immediate response to it was that I needed to resolve this asap. After calling the collection agency and found out that they added in additional 30 % to the bill, I called back XXXX XXXX 's office and offered to pay it immediately but was told by a young lady by the name of XXXX " that it was now too late and I had to call back the collection agency and pay the whole amount plus 30 % ''. So I did just that, but since the bill was significantly higher, I asked if I could make quarterly payments and XXXX from Choice Recovery agreed. So I made the first of 4+ payments of {$250.00}. Never did the Choice representative say you have less than 30 days to pay the remaining balance or " we will report you ''. If I would have heard that, I would have pulled out several other credit cards to pay it in full. Needless to say, even after attempting to make the payments in full, never did I get a balance statement, a letter of acknowledgement, nor an email stating a balance or remainder or their intent to destroy my credit within just a few weeks. When I called the collection company ( Choice ) on XX/XX/2018 @ XXXX XXXX to inquire about why didn't they send me in writing or email any type of documentation such as a statement or letter, they stated that " it was not there job to do that ''. I was completely appalled since that is what they do for a living. I'm sure that there are Fair Reporting Act Violations here and I want this removed from my credit for their lack of incompetence. My credit was good until the collections hit my credit report and it has dropped 40 points. Which completely hurts my family and myself especially since I was in the middle of a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation