BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: ORG GC GP Buyer, LLC
State: NY
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:
GC Services is a collections agency for XXXX. I Spoke with GC Services via phone attempting to resolve with negative results. They requested that I email all info which I have done several times. I have not received a response. They have negatively impacted my credit because of a mistake that XXXX admitted making. Now they are at fault because they refuse to investigate and communicate with me. XXXX Corporate investigated this issue and it was resolved in my favor. I never owed them money! 
XXXX Corporate Services XXXX Ext. XXXX Name : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a letter from Jefferson Capital stating I owed {$340.00} from XXXX XXXX. I was very suspicious as I only used XXXX once, not for that amount or near it. 
I contacted chat support and they confirmed that this was not mine, I had no debt and that they do not even use this company. I am not sure if the company is at fault ( Jefferson Capital ) because there was no way to get in touch with them other than postal mail, and that is not easily tracked, and their phone system was not working ( my account number was not working ) though when I did put my account number ( from them ) in their system online, it did show up with my personal information! That being said, I could not contact them that way either - only to pay the alleged bill. 
So, I have proof ( screenshot ) that I do not have a debt nor ever did with XXXX. 
This is identity theft and I need it addressed and not to be on my credit. 
Date of letter XX/XX/XXXX though I received it on XX/XX/XXXX Amount : XXXX Debt Description : XXXX XXXX XXXX confirmed this is not mine at all* They gave me the option to dispute but I can only use postal mail or phone, both of which are impossible for me to properly track in a timely manner. 

Help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: LEXISNEXIS
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:
On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy showing on my consumer report. Two of the Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. As per my right outlined in the FCRA I requested whatever documents LexisNexis had to verify this alleged Bankruptcy to be sent to me immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis or the Credit Bureaus. I received the letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. Since LexisNexis failed to reveal how they verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and Transunion, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.

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 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Called Capital One on XX/XX/19 to discuss the credit card limit on the XXXX  and Platinum card accounts. Was told by one rep that he was transferring me to the dept that would manually review my accounts for more credit limit. After being transferred numerous times and placed on hold for over 1 hour, was told that manually reviewing an account is not an option. Called on XX/XX/19 and spoke to an account specialist that refused to begin an investigation process of why one rep said that the account would be manually reviewed and another stated this was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: RAYMOND JAMES BANK
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  has charged my account with fees such as bad check which are false and they call me 40or 5times a week even though I have spoken with them and brought them up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been an American Express card holder since XXXX, and a Platinum card member since XXXX. American Express pulled a " bait and switch '' in their issuance of a Platinum card to me. An employee/agent of American Express stated to me that upon the condition precedent of having to pay the entire balance of the card every month the quid-pro-quo is that there is no spending limit on the card. My wife of XXXX  years XXXX XXXX in XXXX, XXXX after a long and anguishing XXXXXXXX. I made arrangements with a XXXX XXXX for the XXXX XXXX  and the service. The XXXX XXXX  advised me that they accepted American Express and therefore not to worry about the charge. However, on the day of the XXXX  American Express refused the charge, I was shocked and enraged beyond words. During this time of immobilizing grief I had to suffer the further embarrassment of having to tell the XXXX XXXX  that I was not able to pay on that day. Fortunately the XXXX XXXX  was understanding, and I wired them the money a few days later. I was marketed and induced to pay additional monies for an American Express Platinum Card on the assurance that there would be no spending limit as long as I paid my bill in full each month, which I did for over 40 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: SYNCHRONY FINANCIAL
State: MS
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/2018 I contacted XXXX for a fraudulent inquiry that was placed on my credit report. I completed mailed documents that they required and also contacted the credit bureau on three different ocassions and it has not been resolved and removed and has tremendously affected my credit. I also received another fraudulent XXXX   charge that I never requested. I feel that something fraudulent is going on with pay pal. Several of my family members reported several fraudulent XXXX charges recently. They have not corrected and removed the fraudulent inquiry and it is now XXXX over 90 days and that very poor abusive and illegal service.

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 2018-08-10
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: Personal information incorrect

Complaint:
I am no longer associated with these addresses or have I ever been associated with these addresses. 

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 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 2018-04-04
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received a title loan which wasn't properly explained and I didn't understand the terms and now I owe much more and they call constantly to collect money with additional fees and interest that I didn't agree to. I would like to pay off the debt, but I am unemployed and looking for work. I will soon have a job and would like to keep my car for work purposes. I am willing to discuss payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: LoanCare, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've received numerous letters from XXXX XXXX XXXX, XXXX. I have no contractual agreements with XXXX XXXX XXXX XXXX. I've required LOANCARE, under the burden of proof, to show where we had a contract, or show where they have given me or my estate, XXXX XXXX, Estate, XXXX XXXX and they never responded. I suspected fraud. LOANCARE is now represented by XXXX XXXX, who is now attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I DO NOT TO OWE ANY ANYTHING TO XXXX XXXX XXXX XXXXXXXX, NOR DO I OWE ANYTHING TO XXXX XXXX. All of this attempting fraudulent claims against XXXX XXXX is against my will and consent.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-02-25
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.

After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX  dollars for a cell phone account.

I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.

They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.

Attached is a file they are indicating a debt without right validation.

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 2018-06-21
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CONTACTED SEQUIUM ASSET SOLUTION @ XXXX & XXXX DUE TO THIS ACCOUNT SHOWING ON MY XXXX CREDIT FILE AND THE ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME. I SPOKE W/CUSTOMER SERVICE REP WHICH MADE HER MANAGER IN COMPLIANCE ( XXXX XXXX-MANAGER ) AWARE OF WHAT HAS HAPPENED AND THEY VERIFIED WHILE I WAS ON THE PHONE THAT THIS ACCOUNT IS IN FACT ( NOT MINE/DOES NOT BELONG TO ME ). I WAS TOLD THAT THIS ACCOUNT {$930.00} WHICH STATES WAS OPENED XX/XX/18 WHOULD BE PROMPTLY DELETED. CALL REF # XXXX. 
SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX # XXXX EXT:XXXX ( COMPLIANCE MANAGER XXXX XXXX ) HAS NOT DELETED THIS ACCOUNT FROM MY XXXX  CREDIT FILE. I AM ALSO FILING AN ONLINE COMPLAINT WITH THE FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited a check to my bank at XXXX XXXX the another check was a check from Chase I deposited it and the funds were cleared in my account the next day so I am an emergency and I started taking the money out after I started taking out the money I got an email saying it wasnt going to cleared until the XXXX of XXXX okay I called the bank and they said that I have to go to Chase and see what was going on I did the lady that helped me told me theres nothing she can do it was a fraud check I didnt know what now what can I do she told me that I had to paid the amount back I ask her if she can help me and she told me no so please help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection trying get my money danger my credit score because account is opened fraudulent out my concerns trying fixed error with this company credit one now send me collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of identity theft

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 2017-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/17 was just watching XXXX XXXX XXXX and was concerned that Experian was advertising a product that people could access to monitor the " dark web '', with a fee. and that people affected by their data hack would assume that they could use this service to help mediate their risk. I do n't think they should be advertising credit protection services when they themselves could not keep their data secire.

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 2020-10-14
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom this may concern : Im writing to you because I noticed that my most recent credit report contains incorrect information with Nelnet where you have clearly violated the law and have put on all of my credit reports.That is completely closed I want it removed immediately it is effecting me from getting a mortgage for my family I want it off of my credit now please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: ONEMAIN FINANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by One Main Financial. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. XXXX XXXX, and One Main Financial, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: LA
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:
It's a Citi Diamond Preferred CC account. The payment was due XX/XX/18, I was in transit - flying. Had the flight gone as planned, I would have made the payment in time. As it happened, I was stuck on the plane on the tarmac due to equipment failure, then inclement weather for 5 hours. I did not have alternative means to pay the bill as a result of this situation. I sent in the payment as soon as I was able the next day. I then called Citi card services about the fee. I was told a request was put in, though nothing could be done until the fee was officially assessed on XX/XX/XXXX at the latest. The fee was assessed on XX/XX/18. I called about the request to remove the fee. The representative told me he put in the request electronically, it was immediately denied with no explanation. I asked if I could speak to a supervisor or someone higher in the chain of command who had authority to deal with this issue. He said no one has a higher authority to deal with fees, all positions have the same authority and there was nothing he could do. I find this highly improbable. I suspect this is an auto denial on all late fees regardless of situation. Ihave had fees dealt with from other card companies in the past. This is a policy that is not for the customer. It does not embody the value of a relationship that Citi cards claims to create.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/20 Trying to open a brokerage acct. with XXXX but PNC has done something to disallow a link between the two.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Bread Financial Holdings, Inc.
State: CA
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:
These past few months have been very difficult for everyone. Despite the fact that people are doing all they can to pay their monthly bills, credit card companies are taking advantage of the situation to add late fees where it should Be forbidden. 
I paid mine late, a few days late, but i paid! Therefore when i requested there should be helping people. When didnt want to remove my late fee even though I paid {$100.00} in interest! This is racket! 

Credit card companies should be barred from assessing late fees in these times!

Company response to consumer: Closed with explanation