BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: DISCOVER BANK
State: AR
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:
" XXXX XXXX '' XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX CHN TERMINAL ID : XXXX XXXXXXXXXXXX CNY Amount charged in USD : {$570.00} I visited this location and purchased a minor item for XXXX as shown on the menu. I was over charged XXXX and was unable to dispute the transaction with the vendor, as they were unable to speak english.

I followed up with a call to my Credit Card, Discover IT, who placed the dispute.

The charge was then reversed when the vendor claimed I recieved and signed a reciept with an invoice of items purchased. A receipt copy was faxed to Discover and provided to me on the Discover website.

I tried then again, to dispute, as the amount was wrong from what I ordered and what I was billed. And the receipt given has a poorly forged signature imitating my name.

Upon contacting Discover repeatedly, and filing in house complaints. I 've received no further information on how to continue this dispute, and any discussion with the representatives at their line of business, state a complaint is filed and end the call prematurely, providing no resolution, or proof of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call on XX/XX/2017 from XXXX XXXX County from XXXX stating there was some type of warrant against me and for me to call the number XXXX. I called the number and spoke to XXXX XXXX. She claim she was with the district attorneys and asked if I had received notification or served with some papers, I told her no and then asked what it was in regarding, and she said it was from XXXX XXXX XXXX   and that I owed the amount about {$4000.00} when I only took a loan for {$2500.00}. XXXX XXXX asks why I have not made payment on the loan. I told her the amounts were too much for me to pay. She asked me to pay {$420.00} so, they would not proceed to take action against me, she had all of my information as my address and email address, and she repeated to me to verify including my social security number. I put {$420.00} in my XXXX XXXX Debit card, she was able to take the amount the next day, and then she said the remaining balance for the XX/XX/XXXX is {$3000.00} and some dollars. She then said she was going to send me an email ; XXXX XXXX never did. When I asked her about the receipt, she stated that they do not send out receipts and I can check on my bank electronic payments. I made a payment arrangement so, she can take {$500.00}, and she said she can take {$600.00} and some for the next three months and I hung up with her. This did not seem right. I realize afterwards, ( from the FTC board ), collection agencies are not to threaten consumers with lawsuits or imprisonment. The part that really made me think about what happened, when someone from XXXX XXXX County calling me that I have a warrant. I filed a complaint with XXXX regarding XXXX XXXX XXXX and XXXX denied my claim. I had talked to consumer affairs and told I would have to take them to small claims. I request from XXXX, the denial letter, and it looks, as though a third party Called XXXX XXXX was the one who collected the money from my debit XXXX. They tried to contact me because I refused to put more money on my debit card but manage to take {$370.00} from my debit card. The person who called ( XXXX XXXX or someone ) left a message it seems you are trying to deceive us by not making your payment. Which I am not sure if I had erased the message or what. Collection agencies should not threaten consumers and use County

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reviewed my credit file and found the following items reporting as a result of identity theft. Please remove the following items from my credit file : Incorrect Names : XXXX XXXX XXXX Incorrect Names : XXXX Incorrect Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXXXXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$59.00} XXXX XXXX XXXX - XXXX XXXX - Bal : {$660.00}

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 2019-02-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments have historically increased and most recently without giving me any written notice. When I called they claimed they mailed me notice. Which I never received. I did receive my tax form so they clearly have the correct address. They continued to tell me I still had to make this new increased payment without me receiving a notices regardless. The biggest issue I have is that I've paid over XXXX on this loan since 2013 and the principal has only gone down XXXX. I feel completely over a barrel. Wells Fargo is crooked and unaccountable.

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 2019-02-09
Company: Total Card, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute XXXX/TOTAL CARD ACCT # XXXX. The highest balance on the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: SUNTRUST BANKS, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude. 
My loan payment is due on the XXXX of every month. I called and requested this way before hand.

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 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Public record information inaccurate

Complaint:
they have unverifled information they have not send me verifled infomation i talk with the bankruptcy court they say they do not report to any credit burea and the court record do not report portfolio recovery associates failed to show the proper document or affavidated to me i put in a dispute to credit burea pertaining to protfolio recovery they have not send me any it been over 60 days the credit burea all ready show my document to them because i sent my document to each of the credit burea ceritifly by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American express advertised referral promotion for the credit card. I have referred family member and met the condition of referral promotion. However, after 12 weeks of meeting the requirement, American Express is delaying giving the promotional points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine and Weber reports on my credit report that I owe XXXX dollars whicjywas paid to XXXX XXXX. I have current insurance with XXXX and also a XXXX dollar XXXX policy. If I did owe that I wouldnt have insurance with them common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX monthly payment process over phone {$200.00}, was not pleased with increased balance. Call back and had another payment processed in the amount of {$1000.00} same date. Asked young lady for the remaining balance which she provided with another increase thru XXXX of XXXX.That amount she quoted for the payoff of {$560.00}, which I mail check on XX/XX/XXXX. Asked for a PIF letter from Republic Finance LLC. Young man trying to get me to take another loan and claims I have a small amount remaining. Now this is almost six week that full payment has been received. And with a few choice words informed him they wouldnt receive another dime from me. This is their second time trying to charge more for something that is already paid. And I know this is something they practice with all there customers.. I have proof of payments and this company needs to stop.Republic Finance LLC. XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28
Company: LendUp Loans LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had borrowed  $XXXX for 30 days.  Payback was to be $XXXX. To be repaid on XX/XX/XXXX.  The funds were there!  My account was debited twice, and credited once.  Received an email attesting to this error.  XXXX said it would be corrected by the end of the business day on XX/XX/XXXX, or at the very latest, XX/XX/XXXX.    As of today, and after numerous phone calls, emails, I still do not have my money.I simply want my money back.  This whole incident has been a travesty.  I have provided proof that they deducted the monies X's 2.Hopefully you will be able to help me to recover my money.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: FL
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 XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. 

Because I paid off the loan and closed the account XXXX lowered my credit score by 41 points and the rating to fair. Equifax lowered my credit score by 39 points. 

As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. 

I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. 

This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. 

I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity thieves they got my information and used my credit card and I was paying my bills every month on time until this happened I did contact the company of what happened but they still wanted me to pay the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I received an email from Huntington Bank stating that I needed to verify my recent transactions. I have two XXXX. My book-bag was left in my locker at XXXX, which consisted of my phone case. I was away at the XXXX XXXX ( XXXX ) and not even in Michigan nor XXXX. I replied NO to a text message so that my card could be locked and I called in the next day. I disputed around {$7000.00} in unauthorized charges to be told that the Merchants said my transactions were authorized. Some transactions were out of State ( not country ) and some were in state. Some transactions were through the ATM. I did not authorize any of these transactions nor have my card or ssn. I was sent out a new card, which now I carry in my sock so I know for sure no one will have access to it. Under Regulation E if this problem is not corrected within 15 days I will be filing a lawsuit. This is unlawful and no way to treat a direct deposit customer that has never had any issues with overdrafts and always a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$810.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX {$550.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 has not updated information to XX/XX/XXXX and Transunion with my accounts. I received a letter stating this would occur but, it has not.

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 2018-10-29
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer is XXXX XXXX. My recent payments over and above my monthly amount due have been applied to all my loans despite my repeated requests that they be applied to the loans with the highest interest rate. I have attempted to reach out several times but do not get a reply. They also do not apply my payment to the loans with the highest interest rates. I want all my payments above and beyond my required monthly payment applied to me highest interest balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification from XXXX card that there was a change in my credit score. My score went down over 50 points. Went to the XXXX website and there is a collections account with Perfection Collections for over {$2600.00}. I immediately called them. The lady XXXX asked if I ever lived at XXXX XXXX XXXX. I stated no, my ex husband lived there. She stated she was going to email me a paper and she would request the original paperwork from XXXX XXXX, it would take 24 hours. I received the email and immediately called her back. Asking why my name was spelled wrong. She said that is how the name was spelt with XXXX XXXX. I told her that is how his new wife spells her name. That I would never spell my name wrong. I have never heard back from them. I have left voicemail, sent 3 emails now, sent a letter through the mail. I tried to dispute it with XXXX, but Perfection collection said it was valid. The paperwork I have seen says the debt was charged off in XX/XX/2010.

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 explanation
Consumer complaint received 2021-02-18
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Rent recovery solutions about a debt I allegedly owe them. This company is believed to be a collections company. I have received numerous phone calls repeatedly from this company about a debt I have no knowledge of. I sent a certified letter asking for debt validation and I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2019-02-02
Company: DISCOVER BANK
State: ID
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 a hot tub from XXXX XXXX on their web site. On XX/XX/2018, I was charged {$2800.00} for the hot tub. On XX/XX/2018, I was charged again for the same amount of {$2800.00}. These charges were billed to my Discover card. I called Discover right away when I learned of this duplicate charge and they opened up a dispute case. They eventually closed the case in XXXX XXXX favor leaving me stuck with a double charge to my discover account. Since then I have reopened this dispute several times with the same outcome. Everyone I have spoke with at Discover customer service agrees that this is obviously a duplicate charge yet this remains unresolved almost a year later. Every bit of documentation proves the case in my favor and yet they still determine the charges to be valid. The documentation provided clearly states that I purchased and received 1 hot tub. My billing statement clearly shows I was billed twice for 1 product. I do not understand why they don't get it. Discover even said that the two charges both have the same unique transaction number that is attached to purchases. This case should have been resolved 10 months ago in my favor on that bit of information alone.

Company response to consumer: Closed with non-monetary relief