BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I would like to made an addition to my complaint ID XXXX which was submitted earlier today, Friday XX/XX/2021. 
I would like to add that the customer service representative from American Express told me my credit score was XXXX according to XXXX, however I have attached a screenshot of today that my credit score is actually XXXX. A full XXXX points above their statement, and this screenshot is also directly from XXXX. Why did they lie to me about my credit score? The service rep was from a call center in XXXX which I also think had an impact on my resolution. 
I have also attached a few screenshots showing Excellent repayment history with AMEX ( through XXXX ) and proof that my current minimum payment has been met, to further emphasize the fact that this {$810.00} payment request from AMEX feels almost like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: AES/PHEAA
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a federally protected consumer and I requested validation of alleged debt with Fed Loan Servicing. The letter was received on XX/XX/2020 and I have not received a response. Fed Loan Servicing is in violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I contacted the CFPB in regards to a complaint # XXXX that was submitted in XX/XX/XXXX. However I conversed with an agent and I was informed that my complaint needed to be forwarded to the Federal Trade Commission. I called the XXXX XXXX XXXX XXXX and I was not successful answering the security questions accurately in regards to the Derogatory Marks and /or Collections on myXX/XX/XXXXReport and the agent continued to coach me by phone to register on line. Once I set up the online account for the CFPB I viewed the collection account For XX/XX/XXXX and I found LJ Ross # XXXX for {$150.00} that was paid and closed on XX/XX/XXXX. I had no knowledge that the account was there because I was told once the account was paid in XXXX it would not affect my credit at all, it would be closed out. I contact LJ ROSS and XXXX said it will not be removed. I do not think it is fair to have {$150.00} Lingering on my credit report after I was told it would be closed years ago and no reported. On XX/XX/XXXX I also paid {$30.00} to close out any debts in there office. Please remove all debts that were previous paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ID Analytics, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from Sagestream , LLC, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears XXXX XXXX and Sagestream are possibly colluding to modify loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry 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 2021-11-27
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, Per your web that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$670.00} and last delinquency reported   XXXX   XXXX  , 2014, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for. By not replying in a timely manner to my initial letter you signed you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
putting the wrong name on a medical debt. i received a letter from credit systems stating i owed a medical debt to XXXX XXXX XXXX XXXX, for XXXX i am disputing this i do not and never have had a medical bill with XXXX XXXX XXXX XXXX montana for XXXX XXXX XXXX of credit systems sent this bill out addressed to me, when this is not and never has been my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i, XX/XX/2020 According to 15 usc 1681 ( a ) ( 3 ) Equifax assumed a vital role in assembling my consumer report. 15 usc 1681 ( a ) ( 4 ) Equifax Didnt exercise grave responsibility, was unfair and partial, and didnt respect my right to privacy. As a consumer Equifax never had permissionable purpose, and I never gave permission according to 15 usc 1681 ( b ) ( 2 ) to furnish anything in pursuant to my consumer report.

I have attempted to dispute the a furnish account twice but have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Blackhawk Network Holdings Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Tried using XXXX XXXX XXXX XXXX card for the first time, it was declined 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have written to Wakefield and associates requesting validation and to cease contact until I have received validation of the alleged debt. I sent this letter certified mail which they received on XX/XX/2018. XXXX from Wakefield and associates called today to attempt to collect on the alleged debt. He tried to offer me a settlement amount and or payment plan. I notified him of the letter that was sent. He acknowledged that they did receive the letter and continued to try and collect the said debt. At this time I notified him that he was violating my rights as a consumer and to please send any further communication via mail and then terminated the phone call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: AL
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I contacted Toyota Motor Credit Corp explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). Toyota responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having an issue with Valley Credit out of XXXX Oregon. They are collecting on a debt that is already paid through garnishment from my employer. The total garnishment was for XXXX XXXX I will list out dates of payments below. Valley Credit stated they never received payment on XX/XX/XXXX of XXXX and garnishment me again on XX/XX/XXXX including an additional XXXX $ in fees. My employer stated they sent a check to the company in XXXX for the XXXX and reissued another check for them on XX/XX/XXXX in which the company cashed totalling the XXXX with check number XXXX. I spoke with Valley credit on XX/XX/XXXX to which XXXX the account holder stated they had not received payment, and to speak with my employer. It wasn't until XX/XX/XXXX that my employer provided me with a check number. I reached back out to Valley credit and she stated that they ended up received the check from XX/XX/XXXX issue date after we spoke on XX/XX/XXXX and that I am still responsible for the reissuement of the garnishment fees. Someone needs to investigate this company. They are practicing unfair collection rights in obtaining moneys that have already been paid. I should not be responsible for additional fees as my employer has already paid them. They are unwilling to work with people or even contact people letting them know they have a debt prior to any type of garnishments. They are only interested in collecting additional fees. I need this issue resolved and I need this company investigated in result of unfair business practice and collection attempts. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I sent {$60.00} via PayPal to secure a space in a craft show. Later I found out that it was a scam ; the show does not exist. PayPal says they can do nothing because I authorized the withdrawal. The person I sent the money to, XXXX XXXX, XXXX, misrepresented herself with a fake XXXX account, and advertised her fake event in an online crafters forum. I have contacted her, and she said shed refund the money, but she has not. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: GreenSky, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was charged for services through XXXX that were never delivered but werte charged to a loan account in my name through GreenSky

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
As soon as we were impacted from the COVID-19 Pandemic, we reached out to the banks of our loans for COVID relief. 

TCF Bank in Minnesota refused, reported negative marks on my credit and harasses us with calls and emails, including former employers. They even updated their payment website in the middle of the pandemic forcing its customers to re-submit their account information. TCF Bank charged late fees when we were unable to make a payment using their previous system and their new system was down for 2 months ... claiming due to COVID19!! 

We requested in voice mail ( they are not available when you call in ), email and fax ; including providing documentation that is not required by Federal, our State or any other Forbearance plan that can be found. 

In XX/XX/XXXX, we were able to resume payments. However, we are still in an email battle with XXXX XXXX ( Retail Loan Supervisor ) without any relief. They claim " you have to call us and we fill out a form on our end, you can not submit the form yourself ''. This form asks for documentation not required by CARES or other Forbearance. We provided without the call as we can not connect on the phone. 

This is clearly a method to extort late fees from customers. 


Also note, this same bank received almost {$400.00} XXXX in us tax dollars from a government bailout back in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I was part of the Equifax data breech back in XX/XX/XXXX. I filed a claim and went through what I needed to. I noticed inquires that were not mine on my credit reports and reached out to these entities. XXXX is one of them I went back and forth with them and they did investigate and found that it was fraudulently done and multiple times. They have sent a letter out to the Bureaus to  have this inquires removed in which all but Equifax. I have disputed over and over and called XX/XX/XXXX and did a verbal dispute, with in 24 hrs dispute was complete and results were factual. I then called again XX/XX/XXXX asking how were they factual and did they investigate, was advised yes and they can not and will not delete these inquires including the other inquires that were requested as they were not mine and not authorized. I was advised I needed a report and an FDC report. I went on to explain that Equifax has notified me with letters of a data breech and on XX/XX/XXXX and in XX/XX/XXXX confirmed that XX/XX/XXXX you have identified my credit file as id theft and fraud and never placed my file with fraud alerts. On this call ( XX/XX/XXXX ) they then placed my file on fraud and stated will alert the other 2 buraus in which I stated has already been done. Equifax has also confirmed the letter from XXXX XXXX to remove the inquires and still will not. I am victim of fraud and my personal info has been compromised thru their data breech and I am being denied to have my inquires investigated and rightfully removed. I have reached out to all the inquires that are not mine and the others outside of XXXX XXXX have no record of me submitting an application or proof it was done by me or how it was done. I have submitted another dispute XX/XX/XXXX via online portal for all inquiries and reason of fraud. I am pending the results of such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: WELLS FARGO & COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
I sold a home on XX/XX/2020. I started receiving phone calls from Wells Fargo in XX/XX/2020 that I was late on my mortgage payment. After explaining to Wells Fargo that I sold my home, they stayed they did not receive the funds. I told them the situation and ask that they not file delinquency since the situation would be resolved. They said they couldnt assist with this. I was informed that A wire transfer was sent by The Closing Specialists to Wells Fargo on XX/XX/2020 and they sent me a copy. The wire transfer states that if there was any error, the money was to be returned ASAP. The money was never returned. Turns out that the account number on the wire transfer for Wells Fargo was one number off ( not my account number And not information I had provided to The Closing Specialists ) and so the money sat at Wells Fargo until the two companies figured it out. The money was finally returned to The Closing Specialist and the wire transfer was finally resent on XX/XX/XXXX. However Wells Fargo still filed delinquency. They sent me a letter stating this was not my fault but would not assist with what affected my credit. My credit score went from XXXX to XXXX, which has affected the loan percentage Im getting to purchase a new home. If Wells Fargo has provided a letter stating what happened and that it was not my fault, I feel my credit score should reflect the truth. This entire situation was out of my control and I had no knowledge of it until gecalls. Also, if Wells Fargo received a check for {$120000.00} that did not go to any loan account and no one checked into, rather let the money sit in their bank to gain interest, this is negligence at best and fraud at worst.

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 2022-08-06
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
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:
I cancelled the credit card within 30 days of getting the statement with the annual fee on it. The bank refuses to remove the fee because they say the card was used after the fee was posted. However, none of that matters. All that matters is closing the card within 30 days of getting the fee. The bank must remove it, and unless this gets handled very quickly, they will also need to remove any other fees associated with not removing the annual fee on time.

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 2021-06-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
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:
ALL FEDERAL STUDENT LOANS ARE DEFERRED UNTIL XXXX XXXX BACKED BY THE CARES ACT. NAVIENT HAS ASSESSED ME WITH LATE PAYMENTS THAT SHOULD NOT HAVE OCCURRED. THIS NEEDS TO BE RECTIFIED IMMEDIATELY. ADDITIONALLY, I HAD AUTOPAY SET UP WITH MY STUDENT LOAN ACCOUNTS IN THE EVENT PAYMENTS WERE TO BE MADE. THERE IS NO WAY I COULD HAVE BEEN LATE WITH THE CARES ACT AND MY AUTO PAY SET UP IN PLACE. DELETE ALL NEGATIVE INFORMATION ON MY STUDENT LOAN ACCOUNTS DATING FROM XX/XX/XXXX - CURRENT TIME ASAP!

Company response to consumer: Closed with explanation