BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.

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 2017-09-24
Company: DISCOVER BANK
State: CA
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:
Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my  previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and  after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am writing to dispute a debt collection attempt from XXXX XXXX. I have the following contact information for them. 

XXXX. XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX-XXXX That said, my main dispute is with XXXX. 

They are reporting on my credit report a delinquent account, that should have been closed without fees by XXXX. I was given permission to terminate my service by XXXX, due to inadequate data speeds that were far below their advertised amounts. I tested my phone in multiple cities and states, including XXXX XXXX, XXXX and XXXX, as well as all around my state of Massachusetts. 

On XX/XX/XXXX - XXXX sent me an email stating they were providing me with return envelopes for my handsets. When I did not receive them for quite some time, I continued on as normal. Once receiving notice of their want for my handsets still, I contacted XXXX. 

On XX/XX/XXXX - I contacted XXXX via chat and an employee by the name of XXXX stated " I currently do not see return kits being sent out here online. '' At this time, she could no longer assist me and told me that my recourse was to phone a specific department. Due to a hectic schedule, I could not get to a phone to dial in and I explained this in full. I attempted to just buy the phones themselves out without being hit with a penalty, but they would not assist with that. 

I believe my debt with XXXX to be invalid and I believe you will find in their records or notes they have on my account that they agreed to let me out of the contract without fees. Dragging the return process for the phones on for months was an undue burden on me as a consumer and I do not believe I should be held liable for their lapse in shipping said kits. Additionally, they then sold this debt to a collection agency. 

I have the original email where they claimed to have sent the return envelopes and I have a copy of the chat which I have mentioned above.

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 2021-07-15
Company: EQUIFAX, INC.
State: NJ
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive no response because clearly you all are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove of those items from my credit report. It has been 60 days so they should be deleted promptly. In addition, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} 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 non-monetary relief
Consumer complaint received 2021-06-29
Company: ENCORE CAPITAL GROUP 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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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: Was not notified of investigation status or results

Complaint:
I have sent plenty of letters to Equifax, XXXX XXXX XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report.

Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent plenty of letters to XXXX, TransUnion, & XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report. 
Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is 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 2023-02-13
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened on XX/XX/22 a XXXX XXXX  Account at PNC. I set up direct deposit and transferred money as per PNC stipulation in order to receive a promised {$400.00}. 
I checked via telephone numerous time and was assured by the PNC employees that I had qualified for the {$400.00}. I asked PNC to release my recorded conversations with PNC employees to verify this. This request was ignored. 

I requested from PNC to close the account and send the money. Instead, they opened up a new account transferring the money. It took PNC about 6 months to eventually cut a check to me for {$7400.00} which did not include the {$400.00} promised I am asking for the {$400.00} promised in the PNC promotion that I fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX bank is reporting a debt collection that I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I made a payment on my XXXX XXXX card, which is issued by Comenity Bank. It was a {$60.00} payment, the store never applied it to the balance and I began having late fees accrue. I told the company I had the receipt and tried on multiple occasions to prove that I had made the payment. I also made it clear that I would not give more money until the company showed that the money I had already paid was applied to the account and late fees removed. I have had conflicting information from different offices within the bank. One woman told me the account was closed and has a zero balance, another said she removed the late fees, and another said they arent able to remove late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2023-02-13
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX is not licensed to collect debt according to 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 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Non stop robo phone calls from Capital One credit card 6 days a week. I have told them I am represented by legal counsel and they continue to ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had a XXXX XXXX. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My payments more than doubled this year. I tried to set up a new payment plan that the FedLoan CSR said would save me {$100.00} but that was in XX/XX/XXXX and now it is XX/XX/XXXX and my payments have not gone down. 

I applied online and selected an option to pay {$5.00} in order to forbear my loan payments until the new Income Based / Contingent Repayment plan was processed. Unfortunately, that forebearance was never processed and my {$5.00} was never refunded. 

When I last spoke to FedLoan in XX/XX/XXXX, they said the IB/CR plan application was still pending. I don't understand how or why it should take that long let alone now going on 5 months! 

I was also unemployed for two months. FedLoan said they could lower my payment to {$0.00} while being unemployed. They never did this. 

FedLoan makes it very difficult to apply for new payment plans. They tell you that you have to apply with printed paperwork half the time! Sometimes they let you do it online but in my experience the application just waits and never processes! I've also noticed that the CSRs do not know all the details of the online applications or the repayment options because they tell you stuff that turns out no to be true. 

I need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: GA
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:
Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have repeatedly reached out to the creditors and bureaus in regards to negative items that are reporting on my credit. I need this to be please be fixed asap.

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