BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am getting calls every morning between XXXX and XXXX CST while I am at work. I am not supposed to use my personal phone on the clock and can not have personal calls on the work phone at all. I have told NCB Management, who has my XXXX XXXX XXXX repossession debt, that I am at work from XXXX to XXXX Monday through Friday and that I am not supposed to take personal phone calls at work several times. I have been doing my best to work with them anyway on paying {$50.00} per month. Now I'm being charged {$50.00} a week, which is every paycheck. I don't remember asking for that specifically. They say it's because they are trying to keep my credit from being damaged or I would have to pay {$200.00} per month other wise to keep my credit secure. The repossession of my vehicle was back in 2017. NCB Management is getting on my nerves now that XXXX XXXX XXXX passed my debt to them. I have had enough! 

Furthermore, when they call, they immediately ask for my name, and I am not identifying myself until I know who and what company is calling and for what reason. I get lots of scam and spam calls doing the same, and NCB never calls from the same number. I want to fix this and my credit, but I can't when NCB does all this and tries to control my finances to their benefit even when it hurts me. Pretty sure all that is illegal from what I have read.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Convergent Resources, Inc.
State: AR
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 paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2020-05-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Resurgent Capital Services ( " RCS '' ) wrote me on XX/XX/XXXX about a {$680.00} debt that was charged off XX/XX/XXXX. RCS demanded payment and threatened damage to my credit file. 

I responded via certified mail disputing their claim and demanded RCS cease & desist on XX/XX/XXXX. 

RCS made additional fraudulent/deceptive demands on XX/XX/XXXX, again threatening my credit if I did not comply with their ploy/scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive my unemployment benefit payment through usbank ReliaCard. On the XX/XX/2020, the bank withdraws XXXX dollars from the account, and they claim that I withdraw XXXX twice on the XX/XX/2020, so they have to refund one of XXXX dollars. When I called, I told them that I did not withdraw XXXX twice that day, I did only one time because there was not enough fund in the account to do that, and I ask them to show me or send me proof that I did that, but they could not. Every time I call the customer agent, transfer me from department to another to find what happened, and I waited for hours, then call dropped from their side.

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 2020-05-13
Company: EQUIFAX, INC.
State: OH
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:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.

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 2018-02-08
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX-18 I tried to purchase a same-day cheap mattress for delivery within 24hrs at XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX MO XXXX ( XXXX is the manager ). When I realized that per a phone call initiated by XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ) phone # ( XXXX ) XXXX was forcing me to accept a Credit card ( to be mailed in 10 days ), I told XXXX at XXXX XXXX   ( ext XXXX ) to cancel and he refused.He also refused to give me his last name or employee I.D . 
I never signed any documents or filled out anything authorizing a Credit card of any sort. I never received any authorization Code, allowing Synchrony to access any credit reports. I have a Fraud alert on ALL of my reports. Please penalize XXXX XXXX. At a different store, I bought a mattress on XX/XX/18, about an hour later.

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 2021-11-04
Company: Avant Holding Company, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was sent an email saying that I was approved for a personal loan, sent me the contract in a PDF file and everything, looked legit, but then they wanted me to go purchase a {$500.00} XXXX gift card after depositing {$890.00} and change into the account, I gave them the info and now I realize after reaching out to the actual company that this was scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: FORD MOTOR CREDIT CO.
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 have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kay Jewelers is causing an adverse effect on my credit. I would like to have this item removed from my credit report. The account was opened on XX/XX/XXXX and the alleged balance owed is {$250.00}. I personally recall paying off this balance back in XXXX over the phone. It has been over 6 years since this account was opened & it should be removed from my credit expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 -credit card was changed off in XXXX of XXXX ; the account was there in the company XXXX filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then XXXX XXXX XXXX and should not be on my file.

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 2021-01-29
Company: EQUIFAX, INC.
State: NC
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.

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 2020-01-23
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018, my check/debit card numbers were used fraudulently to make a purchase in New York State. The merchant was # XXXX XXXX, and the amount was {$150.00}. I did not authorize this transaction, nor did I make this transaction. I was not in NY State. I was in XXXX, MI, attending an orientation for work. 

I found the fraudulent activity on my account on XX/XX/2018, due to a text alert I get on my phone telling me my daily balance. My account was overdrawn, and it should not have been, since I had {$55.00} in my account as of XX/XX/2018. I then logged in and saw the fraudulent charge. 

At this point, I immediately contacted my bank to have them cancel the card numbers, and to report the fraudulent activity. The representitive in TCF 's Fraud Department, XXXX, was very rude to me and refused to give me a provisional credit and reverse any fees. Speaking with his manager ( I believe XXXX ) proved futile, as he said there was nothing that could be done until an investigation was done. 

I called TCF 's Fraud Department on XX/XX/2018, and was told my fraud claim was denied. The NSF fees have now piled up, costing an additional {$330.00}. He said the claim was denied because other transactions had occurred around the time of the fraud, and therefore the activity was not fraudulent. 

TCF Bank 's fraud department is willfully and intentionally refusing to acknowledge the following : 1. Pending transactions may clear in a different order than they were executed. The following is from TCF 's web site : " Transactions may not be posted in the order in which they occurred. '' 2. I was not in New York State on the day of XX/XX/2018, when the transaction was made. 

3. Credit card numbers can be stored at online merchants and be used concurrently with unauthorized transaction. My buying something online at the same time someone uses my card numbers fraudulently does not prove that fraud has not occurred. 

I am asking for my funds to be recovered to my checking account : {$150.00} plus {$330.00}, for a total of {$480.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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 never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-03-28
Company: Experian Information Solutions Inc.
State: MI
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 had been disputing a charge on my credit report with experian every chance it would let me because the account from the start just hasn't been handled properly. XXXX ( fair credit and outsourcing ) put a debt on my credit that they gave me no chance to dispute before they did. And I have proof of that. I finally got them taken off after experian investigation and waiting the 30 days. I was thrilled to see it come off and my credit went up like it should have been this whole time without them on it. XXXX days later I get an alert that they " found '' more information and put it back on. 30 days is the allotted legal time. There should not have been any more time to look into it and shouldn't for sure went back on to my credit report from anything else that was found because the 30 days was given and it was deleted.

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 2020-08-28
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This is a follow-up on my complaint id XXXX filed two days ago. I received a notice today from AmEx dated XX/XX/XXXX containing the documentation from the merchant which was omitted from a letter dated XX/XX/XXXX referred to in my earlier complaint. That documentation states that the article was delivered by XXXX and gives a tracking number, XXXX. When you enter that number it states that a package weighing one pound was delivered. What was ordered were two child 's bicycles so it is clearly fraudulent. Actually no such shipments occurred. 
If one searches " XXXX XXXX  '' on XXXX a XXXX video " XXXX -Scam or legit '' shows the merchant 's website along with the items sold there including the child bike for {$99.00}. There are numerous other results in that search also stating that XXXX  is a scam. 
In addition when I try to trace the transaction on XXXX using the transaction id supplied by XXXX, it displays " Woops, there is no such transaction ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09
Company: EQUIFAX, 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 have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are all on equifax. 

And On XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These items are erroneous and imprecise for I have not remembered having these items. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the items be DELETED to correct the information.

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 2021-01-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried on several attempts with no avail to get the payments lowered and/or get a feasible payment plan. Therefore, the car was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: VA
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 still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, Equifax and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!

Company response to consumer: Closed with explanation