BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: National Credit Adjusters, LLC
State: TX
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:
On XX/XX/2021, I called National Credit Adjusters to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from XXXX, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from XXXX  ) The results were that the creditor has verified to XXXX  that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a XXXX account in MA, and I live in XXXX  for over 20 years all the while being a customer of XXXX for 30+ years in XXXX  & XXXX  only. 
XXXX submitted the debt to a collection agency. I send them the standard debt collection letter and the debt collector will no longer attempt to collect this debt as it is fraudulent. XXXX still insists it's valid even though they can not provide me with concrete proof it was i that initiated the service. They have admitted that it was initiated only with a SS number and no other proof of ID. Now XXXX wants me to provide them with copies of photo ID, SS card, driver 's licence and other additional information to prove the fraud. This is far more than they needed to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: DISCOVER BANK
State: MA
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:
On XX/XX/XXXX, I started a dispute at Discover it on one of my online purchase at XXXX, which should be valid but Discover denied. 

I made an online order of three items on XX/XX/XXXX and applied a coupon " XXXX ''. Using the coupon, I was able to get {$25.00} off my order, so that the total was {$13.00}, instead of an original {$38.00}. But after a few days, I was surprised that the transaction on my credit card statement turned from {$13.00} to a final charge of {$38.00}. 
I reached out to XXXX so many times via phone calls and emails but they never respond, and the line are always too busy to be picked up by any agents. So I have to dispute the charge at Discover and provided a copy of my order confirmation email as proof. 

Discover gave me a final decision on XX/XX/XXXX, saying that according to the merchant, the transaction was valid. 
But the problem is that the order confirmation where I agreed to pay at XXXX website, as well as what I first received in my email, is different from what the final order looks like, since XXXX changed it after I clicked " submit the order '' and overcharged me. 

Discover is not protecting the purchase of their credit card holder, as anyone can end up paying much higher than they agreed to, even if they noticed it and submitted a dispute, because Discover 's solution to dispute does not seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or around XX/XX/2020, I was the victim of debit card fraud. As a result, M & T Bank incorrectly reversed 5 legitimate transactions with the merchants, that were not not apart of the fraud I was victim to. The amount of {$600.00}, was incorrectly reversed from the 5 separate merchants and refunded to my bank account. I explained this error to M & T Bank via telephone on or around XX/XX/2020after it was brought to my attention by a " reversal of payment '' notice from my cell phone provider. I was told by M & T Bank that the bank would withdraw the funds of {$600.00} from my bank account on or around XX/XX/2020 and redistribute the funds accordingly to the correct legitimate merchants. As of XX/XX/2020, the merchants have not been paid, even though M & T Bank collected the funds from my account onXX/XX/2020. I would like my money back so that I may pay my pass due debts that M & T Bank has created. I've called M & T Bank well beyond eight times over the course of 2 months, but to no avail. On XX/XX/2020 I physically went into a branch located at XXXX XXXX XXXX, XXXX, PA XXXX to address these issues in person with documentation I had, and I was unjustly accused by the banker of being dishonest. I politely left the branch, and I have researched other means and entities to address this issue. I would like my funds of {$600.00} reimbursed to me so that I may pay off the merchants that provided me service. I do not trust M & T Bank to re-disburse the funds to the merchants at this time due to their negligence. I am requesting a thorough investigation by M & T Bank so that the proper actions are taken to protect their customers from incidences of abuse like this in the future. 

Transactions that were reversed and illegitimately kept by M & T Bank on or around XX/XX/2020 : XXXX XXXX= {$100.00} XXXX= {$40.00} XXXX XXXX= {$10.00} XXXX  XXXX= {$390.00} XXXX XXXX= {$57.00}

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 2018-05-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I wrote a personal check to a contractor named XXXX XXXX for {$6500.00}. He did not show up, work, or deliver materials, so I fired him and put a stop payment on the check. Obviously, when I put in the stop payment order with my bank the check had not cleared.

Somehow the contractor XXXX XXXX was able to cash the check at Ace Cash Express anyway. My bank, XXXX, refused to pay the check when Ace submitted it, so Ace began to repeatedly call me, 10-20 times a day, and left hostile and threatening messages.

All of the messages were left by an Ace employee named XXXX XXXX. At first, I ignored them thinking that it was perfectly legal and reasonable for me to stop payment for services I didn't receive, but she continued to call me constantly.

Finally I spoke to her and she told me that I owed Ace {$6500.00} for the check they had cashed. When I tried to explain that I had put a stop payment on the check and ask why they had cashed it in the first place, she began screaming " DID YOU WRITE THAT CHECK??! YES OR NO! DID YOU??? '' while I was trying to talk to her. I hung up the phone and blocked her number.

On XX/XX/XXXX I received a demand letter from Ace via XXXX XXXX saying that I had an outstanding balance of {$6500.00}, that they would take additional measures to collect and that this was an attempt to collect a debt, etc.

How can they collect a debt from me? I didn't borrow money from them, cash a check with them or contact them in any way. Also, are they allowed to threaten me with legal action?

XXXX XXXX claims they are trying to collect the money from him as well. Isn't it illegal for Ace to collect twice on this? ( From both me and XXXX XXXX the contractor ). Shouldn't they just be trying to collect from XXXX XXXX, the guy who cashed the check after I fired him and told him not to?

Now I'm faced with filing complaints, writing letters, having my credit ruined, possibly paying an attorney, etc. Please help me and stop this awful company, Ace Cash Express, from doing this to other people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Account Control Technology, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already collected from another collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All collection accounts and charge off accounts have {$0.00} balances. Each collection agency agreed to contact the bureaus and request the accounts be removed from my credit profile. It has been over 45 days and the accounts have not been removed and several balances have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account i did not authorize it and I want it delete it immediately

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 2020-07-02
Company: Westlake Services, LLC
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:
West Lake financial is reporting 5 late payment from my credit report that is inaccurate. This account is paid in full and was never late on any off my payments. I ask west Lake to fix the problem they keep telling me they dont have access to the records.

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 2021-02-12
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX last four digits my social security number is XXXX The law office of relin and Goldstein and crane located at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme Court County of XXXX XXXXthe index number is XXXX Their trying to sue me for a credit card account thats not mine the company is XXXX XXXX it has a balance of XXXX dollars the debt is 15 years old. XXXX XXXX search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney relin Goldstein and crane for harassing me and my family back in XXXX  with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe XXXX XXXX money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to XXXX XXXX that if I don't pay this bill. Which he's doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
- Hard Inquiry XXXX XXXX XXXX Date XX/XX/2020 - Hard Inquiry XXXX  Inquiry Date : XXXX XXXX I did not initialized /authorized these credit pull. Called Experian, Sent mails to XXXX or XXXX for verification. XXXX and XXXX told me they do not have any documentation.. or account with me, or application and told me they can not help me. Experian, and Experian ID works tells me to work it out with original creditor. I have security freeze on my account because of these fraud activity. 

I want these incorrect informations removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, Transunion, and XXXX  advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, XXXX, and Transunion regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQ Data International appeared on my credit file back in XXXX. I've been trying for approx two years to get rid of them. The yhave been very diffcult to deal with. I've asked specifically for information and they have yet to validate this particular debt. All they are doing is harassing me and make idle threats. I just notice today XX/XX/XXXX that they just reported Date of Deliq as XX/XX/XXXX which is Illegal. I know the law in regards to Creditors reporting false information and this information is very much in accurate. Plus this account is not mine and I've prove to this Collection Debtor of those facts I've asked repeatly for validation and they continue to ignore me as a consumer. I've received crazy phone calls that has me stressed out and mentally challenged. I don't know what else to do. These companies should not get away of harassing consumers without any valid proof. Theres no account number theres no type of identification so I can properly dispute. 
Adagio on the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: DriveTime
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: Investigation took more than 30 days

Complaint:
I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a Perkins loan during my XXXX studies for {$1400.00}. I graduated in XX/XX/2020, and have been receiving paper reminders of the due date for the first payment for several months, which was supposedly in XXXX. I received my XXXX bill and paid {$100.00} on the loan ( the amount due was {$40.00} ) which is shown on my payment history with a date of XX/XX/XXXX. Shortly thereafter, I received a letter from XXXX stating that I would no longer be receiving bills from them for the time being due to pandemic and that they were placing my loans in forbearance. Since I am no longer receiving bills, I now have to either send them a loose paper check or money order with no accompanying billing slip, which is extremely unsafe, or pay online via ACH, debit, or credit, for which they charge ridiculous and unnecessary processing fees. I would like to add that interest is still accruing during this period, so I am essentially being forced to pay an extra fee to pay my student loan bill or face the accrual of extra outstanding interest under the guise of XXXX relief. The method with the cheapest processing fee I was able to choose is {$1.00} to pay from my checking account via ACH, as the other options included fees that were 3.95 % of the total plus {$1.00}. This practice is absolutely unacceptable and I am surprised this company has been allowed to do this unchecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I purchased an XXXX flight using my Capital One Mastercard on XX/XX/2020 for the amount of {$800.00}. The flight was due to take off in XXXX. XXXX cancelled the flight " due to an abundance of caution. '' I requested a refund from XXXX and they refused, offering a flight credit for a flight from XXXX that expires in less than a year. I then disputed the charge with Capital One but they too refused to issue a credit, stating I did not document " how the merchant violated an operating guideline. '' XXXX says the flight is nonrefundable but that does NOT apply ( according to their own contract of carriage ) if they fail to provide the flight. 

XXXX 's Contract of Carriage in Section 17 : Schedule Irregularities/Changes and Cancellations states In the event of a schedule irregularity ( cancellation ), the carrier will provide certain options. They may provide for alternative transportation in this case however Section 17.3 ( 5 ) clearly states that when the passenger declines the alternative transportation proposed by the Carrier, the unused portion of the passengers tickets will be refunded. 

This cancellation was wholly within the control of XXXX as they clearly stated this was a preventative measure and not because of any rule or regulation imposed by any governmental authority or other travel restriction so this should be classified an involuntary refund and therefore the rules under Section 21.2 should apply. 

Mastercard 's policy document called " Dispute Resolution Management During COVID-19 '' states customers are due a chargeback if " the cardholder prepaid for services ( e.g. flight or hotel reservation ) and the cardholder was notified that the merchant will not be able to provide the services. '' Finally, according to US law, that " U.S. and foreign carriers, operating at least one aircraft having a seating capacity of 30 or more seats, that passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed. '' I have clearly declined the Carriers alternative transportation and are therefore respectfully requesting the refund in our original payment form as required by the Contract of Carriage.

Company response to consumer: Closed with explanation