BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2017-11-21
Company: EQUIFAX, INC.
State: CT
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:
Around XX/XX/17 Equifax investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XX/XX/2018, I had no proof that Midland Funding LLC initially in XX/XX/2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to Equifax on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit Bureau refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a certified return receipt letter with sufficient evidence of the amounts that I paid to the rental property on XX/XX/XXXX. I also followed up with an email on XX/XX/XXXX. I have disputed this on my credit report also on the XX/XX/XXXX with all 3 credit bureaus. They are stating I owe them {$240.00} which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent multiple letters to both Experian and XXXX bureaus that my bankruptcy is reporting inaccurate information. The date filed is inaccurate ( one says XX/XX/11 and one says XX/XX/11 as well as the court name ( one says federal and the other says us bkpt ct il XXXX ) when both should be consistent thru all credit reporting agencies. I have asked them to remove it over 4 letters that I have sent them and they responded saying its verified as  accurate which is not true.

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 2017-12-05
Company: SYNCHRONY FINANCIAL
State: ID
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:
Multiple car companies and credit cards

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 2020-05-01
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
On XX/XX/XXXX I applied for an American Express Platinum card. After my card was received in the mail, I called to activate it once I received the card in the mail on XX/XX/XXXX, and when I called, I asked if the {$550.00} annual fee was still waived for XXXX XXXX military members and opened it under an XXXX XXXX account. I was told by the employee that yes, the fee is still waived, and that if it wasnt waived by the time the fee was due, then it would later be reimbursed as credit to my account. I have since been in contact with them 10+ times about getting this resolved and have gotten everything from unnecessary transfers to we have never done this even though I know dozens of other military members who have taken advantage of this. Just today, I called again and had them review the phone call where they told me it would be reimbursed, and after that, they told me all they could do was apologize for the miscommunication. 

American Express stole almost 3 months of my take home pay by charging me for this, and I never would have signed up/paid the fee without canceling if they hadnt advertised to me on the phone that they would waive/reimburse the fee. I was informed today that two days before opening my account with them, the policy was changed, yet weeks later, I was still told over the phone that it would be reimbursed. I asked for clarification because I expected to be told the truth, not lied to so that they could capitalize at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/2016 I obtained a leased vehicle from XXXX XXXX for a XXXX XXXX XXXX and I was told that I had unlimited mileage at the end of my lease that was paid off. I then in turned got truck and there was no financial advice on getting into this vehicle and now this has left me with a {$20000.00} mileage overage which has damaged my credit. bringing my credit score down from a XXXX to low 500 's. I am now in distress over this. I have never been late on any payments my credit to shambles. I called the company Chrysler Financial and complained to them as well as the Dealership. The salesmen told me it's on you now. This is very frustrating, I am suffering financially now due to this event. I also want them to reimburse for the interest charges as well as the damages to my character. My credit is in shambles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Paypal Holdings, Inc
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago. 

I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees. 

According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Global Trust Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked repeatedly for Global Trust Management to stop calling my place of employment. Not only am I not allowed to take personal calls but this is putting my job in jeopardy. If I have no job they have no way of me repaying them. They also continue to repeatedly call my cell phone multiple times a day. I have already given them a date when I would be able to start paying them, but they consistently keep calling both personal and work phones. I understand I need to pay back and I will but they are invading my rights and not taking into consideration their actions or my situation. I receive over 15 calls a day from them always from different phone numbers. It is getting worse each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
Never Authorized or applied to any of these companies XXXX XX/XX/22 XXXX & XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I Purchase is an airline ticket on XX/XX/XXXX and it was XXXX dollar but the I realize it was the wrong airport so I called right away to cancel the ticket and since it was before 24 hours so I could cancel it and get a refund which is what supposed to post in my account in 5 days and on XX/XX/XXXX I got the money back so I purchase another airline ticket with the same money that I got back but it was XXXX dollar and the money was taking out of my available balance on XX/XX/XXXX but it was saying pending on the statement but it was out of my available balance already on XX/XX/XXXX the XXXX dollar Was taking again out of my account but showing in my account as it was only one charge .. and I am not even able to see the first airline ticket or the refund on my statement because they said it was dropped charge like it was never happened but it did happened..thats not the first time this happened it did happened before but I usually get the money back after the weekend on Monday but this time no it did got back .. I tried calling them and they explaining but they only say one thing.. I dont see it on the statement.. so why I cant see my purchase for the first airline ticket that it was refunded.. this is my money and I am supposed to see all the charges I made and the refund on my account.. I am missing XXXX dollar from my account which is got Disappeared from my bank account and I need to get this money back I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: PlusFour, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I sent PlusFour Inc a certified letter via USPS disputing a collection that they have place on my XXXX credit profile. PlusFour has reported that I owe {$230.00} to XXXX XXXX XXXX and that they are collecting this supposed debt. This debt is NOT mine. 

I asked PlusFour to provide me with 3 specific documents in order to verify this debt. I have listed below the items to provide me with in order to verify this alleged debt. 

1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They did not provide me with any of those documents. 

I have attached their response which does NOT verify that this is my 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 2017-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to Experian on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit report refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. 


XXXX XXXX XXXX XXXX, IL 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 2017-11-22
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage underpaid our property taxes by {$1300.00} and we had a lien on our house as a result of their failure to pay the City our taxes. I would like PHH to allow us to close our escrow account and let us pay our own city taxes and homeowners insurance. 

After hours of phone calls they over-nighted the difference in payment on XX/XX/XXXX to the city and the lien was removed from our house. Since then they have charged us random amounts each month to make up for the low escrow balance and have been putting the majority of our monthly payments to escrow and not to our principal and interest. Since their initial mistake, the average breakdown of our payment each month has been 54 % to escrow, 30 % to interest, and only 16 % to the principal. 

We transferred money into the escrow account in order to have our contributions to principal and interest go back to a reasonable rate. They have recently refunded this " overage '' in our escrow, making it so we would again be short for our city taxes this upcoming year. On XX/XX/XXXX we requested by phone the paperwork to close the escrow account so we can pay our own city taxes and homeowners insurance. We never received the paperwork and called again on XX/XX/XXXX and they said they sent a letter indicating that we are not eligible to close our escrow account. We did not receive this letter, although we have had other correspondence from them. The customer service representative we spoke with did not know why we would not be eligible to close our escrow account. We have paid off 44 % of our loan. 

If they can not pay our taxes or estimate our escrow correctly and the majority of our payment goes to fund our escrow account, rather than principal and interest, we will be paying more in interest than we should be paying, especially over the life of the loan. 

I would like PHH to allow us to close our escrow account so we can pay our own city taxes and homeowners insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: VA
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  Experian and XXXX  should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-18
Company: Midwest Recovery Systems
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: Account information incorrect

Complaint:
For your info I just recently put in a complaint for Mid West Recovery known as a  scam Thos company know reported a collection account to my XXXX i dont see how that is legal because under Fair Credit Reporting Act never did i receive any debt validation letter or phone call from the # on my report so they violated therefore this debt is not validated by consumer and 30 dy is long expired Back inXX/XX/XXXX it was reported as an open account on XXXX and XXXX so XXXX should of been at same time reported that was suspicious After fighting to have this removed which XXXX did right away and i put a dispute with XXXX Know asking for this company to get tbis removed deleted Over a year know i been working on repairing credit and avoiding negative accounts Mid west recovery is in violation code 809 a for not sending debt validation letter first and before reporting to the bureaus a 30 day timeframe consumer was never given in order to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: AMERICAN EXPRESS COMPANY
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:
I had a balance with Amex of {$2900.00}. I submitted a payment in the amount of {$500.00} and they ran it as {$5000.00}, which is over {$2000.00} more than I even owe them. When I contacted them through chat, XXXX XXXX was unwilling to provide me the information to ensure that they fix the system error that causes them to take money that is not owed to them. I have never before been allowed by any other credit card company to pay an amount that is MORE than what I owed. They kept my money for 48 hours and were unwilling to even give me back the {$10.00} I spent to transfer money immediately from my XXXX so that I would not be overdrafted from my checking account. This conversation took place between XXXX XXXX EDT on Monday, XX/XX/19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25
Company: Collection Bureau of America Ltd.
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: Old information reappears or never goes away

Complaint:
I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I actually attended XXXX career institute in XXXX XXXX, MI from XXXX to XXXX. My school was XXXX down after coming under federal scrutiny for fraud, falsifying tuition, grades, and falsifying the promoise to help students find a job. They did not even help me attain my state license. Now I am close to XXXX in debt. Navient solutions currently is trying to collect on my student lloan, however after reading the information on the site it has come to my attention they may be doing more harm than good. XXXX other students had their loans forgiven after attending my school under XXXX colleges. My complaint is that mine have not been forgiven and that XXXX or navient may be charging me more than i need to pay. My school is no longer recognized, not even in your list of schools on site. I do not feel i should have to pay so much and keep falling into debt for an education that is hardly recognized by employers. As a matter of fact most people who attended this school have difficulty finding jobs. That is my complaint. I am getting overcharged for school tuition for a school that the government shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Please remove this account ASAP.

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