BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ILLEGAL REPORTING. 

XXXX  Report : XXXX XXXXXXXX Collection {$2300.00} Experian Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to 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 2021-03-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express Travel is playing three-card monty with credits accrued because of COVID-interrupted travel in XXXX. They are denying travel insurance and creating artificial barriers to me redeeming trip credit incurred from cancelation of travel in XXXX. 

AMEX Travel has taken my money yet provided no service for it. 

I also feel AMEX membership policies are extortionate because I was told that to maintain these travel credits I had to continue to be a PAYING card member. This is unjust because I no longer wanted to be a member, but was financially obligated now to pay the smaller ( yet sizeable ) annual fee just to have the privilege of using my refunded travel. 

Their card-members travel portal is a scam, because if I had booked directly through the airline XXXX XXXX XXXX ) I would have received a full-cost universal voucher. 

In XX/XX/XXXX, I booked return flights for a wedding ( on my card in my name ) for my family from FL to XXXX, XXXX on XXXX XXXX during XX/XX/XXXX. Total cost was {$3100.00}. Because of travel advisories and restrictions issued by XXXX and XXXX ministries we chose to cancel our flights, ostensibly under the trip interruption/cancellation coverage as card members : " If you purchase a round trip entirely with your eligible Card on or after XX/XX/XXXX, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to {$10000.00} per trip and up to {$20000.00} per eligible Card per 12 consecutive month period. '' ( https : //global.americanexpress.com/card-benefits/detail/trip-cancel-interrupt-insurance, XX/XX/XXXX ). I was told by one 'supervisor ' a flight being cancelled because of federal travel restrictions isn't covered. Their best attempt at justification was " this is an unprecedented situation '' to which I replied, " yes, and that's why we buy travel insurance ''. 

I have tried 3 times over the past year to redeem these credits on XXXX XXXX flights and am told that they can not be redeemed except individually. I have asked to have the total credit, less than a new flight, applied to a trip for just my daughter and wife and they will not. 

I have attempted to speak with supervisors who place me on hold and seem to just wait me out because I have a business to run and family to spend time with, rather than sit on hold for HOURS at a time. I have also been told that AMEX TRAVEL supervisors don't have the ability to call people back. So I believe this is a tactic from a floundering company to not have to live up to their service agreements. I have also been told by AMEX Concierge that AMEX Travel will NOT give card members the phone number for insurance ... this too sounds like shady business practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A third or fourth party called Convergent has contacted me on a debt I do n't owe. In fact the company they say they represent has been bankrupt for a number of years now, I have to assume they got my information from that company which I did do business with about a decade ago. It was a bank. I had an account with them until they went out of business but it ended with no debt. I merely had a checking account with them until it closed. I suspect this is a very shady company and I am concerned my info is being sold on the open market illegally.

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 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I help operate a small water district that collects money for the water used - suffice to say we are a legitimate business, collecting money for legitimate purposes. We wanted to allow customers to pay using a credit card, so we created a business account with PayPal over 2 months ago. After some sales ( around {$6000.00} in total XXXX PayPal has completely shut down my account and froze all my funds. Right now there are hundreds of subscribed customers that are unable to benefit from our services because of this situation. 

We called customer service and they could give no further info or reason why we were suspended. 

I finally had enough and I am coming to the Consumer Finance Protection Bureau ( CFPB ) site to file a complaint. 

Please let me know of any documents or information you may require.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with XXXX balance The Final and last notice, I will send to Equifax regarding this matter XXXX University has provided email, and a letterhead letter debt paid in full with a XXXX balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance I have reported this account numerous account must report paid in full XXXX balance reporting. The notification was sent to all three bureaus. Please see the attached receipt, email, letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have been harassed for over 10 years by a company called " XXXX XXXX XXXX '' Student loan. They have stated that I owe them around 7,000 dollars for a default loan that I never agreed to nor received. I have tried to explain to this company over the years that I never received this money and it is a mistake. I requested proof of the original document and they delivered me nothing. This company have continued to deny me any information and have sold the default loan to debt collectors now. These collectors continue to contact me at my place of work, even though I have verbally requested them not to do so. The school I attended during the time the loan was supposedly given to me has no record of this money. Nor do any of my bank accounts. My parents also have no records of this company nor of this money. I don't know what I can do as I do not have the money to pay a lawyer to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX - a convention 20 year loan with inception date XX/XX/21, was transferred to Mr. Cooper. My loan payment was drafted half on the XXXX and half on the XXXX. The portion on the XXXX was immediately applied, I accelerated payoff. 

I got a letter from Mr. Cooper, Your loan is now ours. Promising no changes to my loan. After over an hour on the phone with Mr. cooper, they tell me that they can not offer the same payment conditions and APPLICATION TOWARDS MY LOAN as I had agreed to at origination with XXXX XXXX. This constitutes a material and costly change I did not ask for. Mr. Cooper refused to move my loan back, or apply more towards principal, instead offering my an 'equity acceleration program ' where I could pay more ( duh, don't need a service for that one ). 

This transfer process offered me no input, feedback or right of REFUSAL which is absurd and now I'm stuck, in a situation where I've been cost money and not made whole by mortgage services. 

Help my CFPB, you're my only hope

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020 to Merchants ' Credit Guide Co. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX : ( XXXX ) XXXX I still receive calls and it is still noted on my credit report. Im not sure how to take it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Commercial Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
CALLER IDENTIFIED HERSELF AS XXXX XXXX WITH PROCESS SERVER. SAID I WOULD RECEIVE A SUMMONS IN A FEW DAYS. I DO NOT KNOW THESE PEOPLE NOR DO I OWE THEM ANY MONEY. THEY ALSO CONTACTED MY MOTHER IN LAW WITH THE SAME MESSAGE. BOTH WERE LEFT AS VOICEMAILS. CALL CAME UP AS " UNKNOWN CALLER '' BUT IT GAVE A CALLBACK NUMBER IN THE MESSAGE OF XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-09-15
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a debit XXXX  card in the mail from Chime. Did not request a card and tried to call with number on the card and paperwork with card. Only got automated system no way to reach a real person.Called XXXX bank  as they were the issuing bank and they transferred me to Chime. The customer service person spoke English poorly and I was asked for personal info that I refused to give. Explained the situation and they said they would email me with an update when account was dealt with after escalating the issue. Didnt receive an email so I called back later yesterday and was told the account had been closed. Still havent received any email from them. They insist that someone asked for the card and that it is just a debit card not a credit card. They wouldnt give me any idea on how they got my information. Found via internet search that I was not the only person with this exact problem. I believe they are sending these cards out fishing for personal info. They asked for last 4 digits of SS # and a copy of photo ID. Said they couldnt close the account without this info. I pushed back and told them it was illegal to send cards without me requesting one and they didnt require this info after I refused. Not sure if account was actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Bread Financial Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, and I am a XXXX XXXX woman. I live alone in XXXX XXXX, Idaho and survive on {$1000.00} a month in social security benefits. A friend helped me write this letter. 

On XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX XXXX, ID XXXX, for a free examination and x-rays. By the time I left, they had charged me {$1600.00} for deep cleaning. I met with a front office employee of XXXX XXXX that day, but the conversation was confusing, rushed, and I felt pressured. She had me sign something that I did not understand, and only later discovered was a {$1400.00} loan from a company called Dental First Financing/Comenity. I have a mental condition that I take medication for ( which I disclosed on the XXXX Dental registration forms ) and I honestly did not realize what I was signing until I started receiving bills. If I knew my free visit was going to end up costing me over {$1600.00}, I never would have gone there. Under no circumstances would I have knowingly taken out a loan like this when I am barely making ends meet! 

Since late XX/XX/2020, I have tried several times to resolve this on my own by speaking to the office manager of XXXX XXXX, a woman named XXXX. I also disputed the bill with the finance company, but they still say I owe them money. I do not believe I should owe them anything because I did not know what I was signing. My XXXX, and the high-pressure environment at XXXX XXXX, made it impossible for me to understand what I got pushed into. I called the finance company again just recently and they wanted to charge me {$9.00} to speak to a higher up representative to get this resolved. This was so upsetting, I hung up on them. 

The emotional harm this experience has caused me is beyond words. I cry every time I think or speak of it. I feel like XXXX XXXX exploited me as an elder, violated my rights under the American with Disabilities Act, and failed to follow lending laws by not clearly informing me of what I was signing. I can not afford a lawyer and am asking that you please help me hold these people accountable. 


Thank you so much for your time and efforts on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CURO Intermediate Holdings
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked on my credit report and it shows that I have a collections account with speedy cash from a XXXX $ loan that I know for a fact I never received nor applied for. I have absolutely no knowledge of this account with them. I dont know any information as to where this amount was deposited into what banking account, I have no records nor do I have any mail or emails from speedycash with a loan agreement or any communications in the mail. I have not received any phone calls from this company about this loan either. It shows the loan was opened on XX/XX/2019. As I stated above I know absolutely nothing about this account with speedy cash. I have filed an identity theft report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Diversified Consultants, 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: Account status incorrect

Complaint:
In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to Diversified Consultants a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the Homeowners Association through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both Diversified Consultants for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I received confirmation that the inaccurate addresses were deleted from my credit file but as of today 's date, the addresses still remain. On XX/XX/XXXX I sent Equifax a correspondence asking them to remove the incorrect addresses as they stated that they would but as of today 's date, the addresses still remain and the Credit Reporting Agency has not respond. Credit Report dated XX/XX/XXXX still show incorrect addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.

Company response to consumer: Closed with explanation