BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Discover has called my job multiple times. Starting XX/XX/XXXX.18 until XX/XX/XXXX.18. When i called to tell them to stop because i can not have phone calls coming to my job on XX/XX/XXXX.18. The guy on the phone said that they will keep calling, and to make it stop they need a payment. I explained to him i started a debt management program, and i got behind but i will be dealing with them, and not Discover personally because i have an activate account with them. He then kept trying to set me up with a payment plan with him. When i told him no, he said they have my banking information on file. So i dont know what that was suppose to mean. I then repeated myself, and said i needed the calls to stop because my employer does not allow personal calls, he then said its an automatic system, we can do anything about it. I then told him that there is a way for them to remove my employers number. He asked for my personal cell, which i gave. But i am not sure if he actually did it because he was still trying to sign me up for the program with them. The two people that have called my job are XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NC
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Bridgecrest Acceptance Corporation
State: NV
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:
I NEED COMPLAINT XXXX REOPENED This is NOT ok I have yet again called BRIDGECREST. Time and date stamp before their phone hung up on me : XX/XX/XXXX XXXX total of 14 min. 

Provided the information THEY asked of me to do in the previously filed CFPB complaint XXXX which was call them. Got some poor girl who answers calls, she listened to why I was calling, placed me on hold to speak with the Debt collection department. I assumed she was transferring me, she did not. She got back on the phone to say, they needed my updated address because the letter they mailed was sent to the wrong address. ( funny because I moved XX/XX/XXXX and have mail forwarding. I also just recieved a letter from them today dated XX/XX/XXXX for unknown reason.i will scan and upload here ) I again let her know that I was calling because THEY wished I call them again and the CFPB NOTE to speak them about a removal of the account in question for an goodwill gesture was from a XXXX XXXX She attempted to research their employee directory for this individual and said she doesnt exist in BRIDGECREST nor XXXX. 
So then I asked if she could just transfer me to that debit collection department that I kept being placed on hold so she could attempt to get an answer. I was told that they do not take public phone calls. THIS IS WHY CALLING THEM IS IMPOSSIBLE AND ITS EASIER TO EMAIL AND MAIL CORRESPONDENCE.I HAVE EVERY SINGLE LETTER THEY HAVE MAILED AS PROFF THAT THEY ARE GETTING MESSAGES FROM ME. 

So now what? I have been lied too, cheated, and harassed by BRIDGECREST. I demand a letter showing the deletion of this account within 5 days, email and mailed, or we will be filing suit. XX/XX/XXXX for multiple FRCA violations. 

They have yet again received my address, and also have my email address since I have XXXX emails from them as well. But here it is again. XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX 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 explanation
Consumer complaint received 2018-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The bankruptcy case is XXXX filed on XX/XX/2020. XXXX XXXX is listed in that bankruptcy and received notice by letter that this amount was included in the bankruptcy. In addition they gave approval for me to vacate early due to a cockroach infestation. I did not receive any communication prior to this being added to my credit so that I could dispute it. It was added to my credit as if incurred in XX/XX/2020 when I moved out before XX/XX/2020 and it was added to my bankruptcy when filed on XX/XX/2020. At that time this debt was no where on my credit bureau reports. However now it is on all my credit bureau reports in violation of fair credit reporting requirements for persons who filed for bankruptcy and where the entity owed was notified of the bankruptcy prior to credit reporting. I have attached some communication. I had already told XXXX from the beginning of XX/XX/2020 I would move out. He was waiting on the approval from the Corporate office, which he received and sent an email. The Property Manager of XXXX XXXX  had also sent me an email captioned move out statement in which the total was miscalculated. XXXX  XXXX  was well aware of my bankruptcy before submitting this to a collection agency and also intentionally submitted erroneous information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do 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 2021-01-01
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!

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 2017-08-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
applied for wise credit card that comes with a {$200.00} bonus. I submitted my application in XX/XX/XXXX and received a denial letter dated XX/XX/XXXX. I immediately contacted the XXXX XXXX credit reporting company., who then sent me an outdated credit report. I then called them to state the errors on the report so they sent me a new & improved report showing no outstanding debt and any liens now outstanding, which is NONE. I then called/wrote wells fargo who said once a application is denied, it no longer is considered. My credit is excellent, there is absolutely no reason to deny me an account ... .except for discriminatory business practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Everytime I try to login online to pay I can not and relieve a message to call the company. The credit card company is Frst National Bank of Omaha and the last time I called them I was told this was resolved. As soon as I get ready to pay again the same thing happens. To make matters worse they leave you on hold forever. By forever I mean over an hour. I don't have much free time as I work so holding for extended periods is unrealistic. The phone number is only good during the day in business hours. I do not recieve a bill by mail as I have paperless billing and even if I did I don't have checks. All my other credit cards that are easy to log into and get in touch with by phone are on time and have never been late. This card keeps getting charged late fees even though they are making it difficult for me to pay them on purpose. I feel as if they've made it difficult to pay to incur more money in late fees. I especially feel this way since I was told it would be fixed and it is 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 explanation
Consumer complaint received 2020-11-20
Company: Conduent Incorporated
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My EPPICARD is declined when I try to make cash advances at the bank. This has been ongoing for the past 4 weeks. The company has MY money and I should be able to access it. I have called the company and had to be escalated to a supervisor who said she WhiteListed my card and it should work in 24 hours. It has been 48 hours and the card is still not working. This is not right and it looks like others are having the same issue based on comments on the web. This is absolutely terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) 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 explanation
Consumer complaint received 2021-07-04
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:
On XX/XX/2021, I contacted Transunion and XXXX to dispute inaccuracies that I noticed in my credit report. They Credit Bureaus are reporting inaccurate information on my credit profile. 

Today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.

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 2021-07-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated.

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 
The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CITIBANK, N.A.
State: TX
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 made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Certified debt validation letter mailed to Khols Department Store on XX/XX/2020 for a debt in the amount of {$520.00} I have not received a response to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A couple of years ago, a debt collection showed up on my credit report. All I know is that it is for XXXX XXXX in am amount of {$860.00}. I know that I have never run up a bill of that size with a utility Company. My belief is that I was a renter, moved and somehow the service was ever taken out of my name after I left the property and someone else continued service in my name. 
I have asked repeatedly, XXXX XXXX XXXX, the debt collector, to get me proof of the dates that this debt was run up during and also the address that it was at. I would be able to verify whether or not I was living at the address at all or will be able to verify what dates i lived there. Over a period of 2 years, no one is responding with ANY type of verification that this debt was incurred while I actually lived somewhere. 
XXXX can not help me as I don't know what address and dates this b ill is supposedly for. I want this off of my credit reports. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: GA
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 do not recognize these inquirers on my credit report and requested the XXXX to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with XXXX and Equifax the response is automated stating the information is verified and never investigated. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Navient Solutions, LLC.
State: NY
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:
A few weeks ago I submitted a complaint regarding Navient and the problem I was having with getting my student loan interest rates to the agreed upon rate when I reentered the rate reduction program. Navient responded and said that they were at fault for the failure to submit my paperwork for the ratereduction in XX/XX/XXXX when we spoke and did so in XX/XX/XXXX and agreed that all but one of my loans would have  an interest rate of 3.5 %. They also agreed to make sure that the interest that I acquired under the higher rate would be decuted from my balance. That was done to 2 of my 3 loans. Today when I logged into my account to make sure that everything was right I noticed that my loan ending in XXXX still has an interest rate of 4.25 % instead of 3.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm still disputing this account after receiving a word document which provided me a view in over billing duplicate codes and no records of insurance funds being received but this office billed. This is inaccurate and I would like to get this resolved ASAP This debt is not valid and I dispute this and a word print out provided doesn't make any sense at all. I had insurance and your states you never received any insurance funds as your records show you billed the insurance two months after the visit. I would like to see the signed authorization, details on the insurance billing. It also appears I was overcharged for code XXXX XXXX XXXX  XXXX and code XXXX XXXX XXXX {$85.00} why would I have been billed twice for these. This is inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Consumer Financial Services
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
ACCOUNT # XXXX XXXX XXXX phone # XXXX Car was repoed on XX/XX/2020 after it was payed off completely but not giving the tittle I had personal stuff of value in my car because I was moving and they wouldn't tell me where the vehicle was. 

I NEED ANSWERS and help i don't know where to go and its messing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of debt.

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 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
If Transunion dont remove this negative inaccurate accounts immediately We are going to arbitration XXXX XXXX  XXXX XXXX XXXX XXXX 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 explanation