BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Westcreek Financial
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed an item with West Creek Financial and they have had 30 days to mark a " Notice Of Dispute '' which they have fail to comply by federal law..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called Credence on several occasions with an account they have listed under XXXX XXXX XXXX XXXX XXXX, but I went to the hospital and received an incorrect bill from XXXX XXXX XXXX. I have been trying to get my account updated with with my XXXX information. At first they said they would contact their client and provide the info. I waited and called back and then they claimed they can't do anything, said there was a filing limit when I informed them that I was informed there was no filing time limit with XXXX, I spoke to numerous reps, one hung up on me, they kept transferring me, then they were all of a sudden that department was closed way earlier than they were supposed 30-40 mins earlier after they left me on hold for almost an hour and kept telling me to contact different numbers. I have been going back and fourth between the collection agency and XXXX XXXX XXXX trying to get this sorted out and no one has taken the time to get this handled or input the correct information for my XXXX XXXX XXXX. I informed the Credence Collection agency that because of their tactics I would just file a claim and get this handled

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged into my online banking with Chase and noticed that one of my credit cards had shown closed. I contacted their executive office and they said yes indeed it was closed and they would research it and get back to me. This is the third time this has happened and they have reopened my account in the past. 

I understand that Chase may reserve the right to close my account due to inactivity but as a financial institution it is within their operating agreement that they will not do financial harm to their customers. 

The account they closed is my second oldest tradeline. By closing it, they have effective done financial harm to me by reducing the number of tradelines I have open as well as my credit age which has not been cut in half. 

Chase called me today to tell me they sent me a letter several months ago telling me my account is going to be closed. I did not receive this letter, if I had I would have contacted them earlier as I had done so in the past two occurrences. 

I would like Chase to reinstate my account and give me the opportunity to keep my stellar credit profile. Other than a single letter that they claim they sent ( to cover their own interest ) they made no effort to reach me either through email or phone ( of which they could have easily done ). They took almost no effort to protect me from the financial harm that they knew this account closure would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My name is XXXX XXXX My social security number is XXXX I have a auto loan with Santander consumer USA I ask consumer service for a extensions for XXXX reason for extension was that I was affected from covid and I can make my payment the next month. But they didn't care and said they couldn't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
TD Visa Credit Card was MISSING -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: CA
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 purchased XXXX XXXX XXXX concert tickets from XXXX for a performance that was supposed to take place on XX/XX/XXXX. I purchased tickets for a specific date and time that worked for my family and I. This concert was cancelled for my purchased date due to the COVID-19 issues. 

I called XXXX within the hour after the band announced the cancellation to obtain a refund. They were unwilling to give a refund saying that the concert will probably be postponed. To date a rescheduled performance has not been announced. You can verify this by going here : XXXX XXXX   XXXX Under " RESCHEDULED EVENTS - NEW DATE CONFIRMED '', XXXX + XXXX is listed but there is no date. Even if new dates are announced, I purchased tickets for a specific concert on a specific day. 

XXXX is the only company that has not refunded me for items impacted by COVID-19. I had a rental car setup for this trip and even though it was " non-refundable '' they were the first to refund me. The hotel I was going to be staying at also gave me no trouble with a refund. I had " non-refundable '' tickets for XXXX at the XXXX XXXX and they refunded me with a simple email. Same for my airport parking reservation. 

XXXX has misleading and deceitful policies. It is such an issue that they have just been hit with a {$5.00} XXXX class action lawsuit for failure to refund ticket holders during this pandemic. No company should be able to withhold a client 's money because their business model is flawed and they " might not survive this '' financially. You can very this here : XXXX : XXXX I opened a dispute with my credit card company, Citi. They investigated but sided with XXXX and reversed the conditional credit I was issued. I have been a Citi Card member since XXXX and am disappointed in the way they handled this case. Citi never asked for documentation about what happened. Citi never asked for my side of the story. Hold times to reach a representative is over an hour. I charge upwards of $ 5000/month on this card. Apparently my business and XXXX credit score means nothing to them. 

I am asking that Citi credit me for the purchase at XXXX. I use this credit card because of the supposed consumer protections I receive when doing so. Right now they are non-existent. I wish to remain a loyal Citi Card customer. Please do the right thing Citi.

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 2020-04-27
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report on both XXXX and XXXX i noticed that there is a collection from XXXX / Convergent Outsourcing. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, Convergent Outsourcing. 
Date : XX/XX/2019 Amount : 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 2018-01-31
Company: Midwest Recovery Systems
State: OK
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 and XXXX  a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice of statement in mail dated XX/XX/2021 for {$40.00} for services I received from XXXX XXXX XXXX at the XXXXXXXX XXXX  MD XXXX XX/XX/XXXX on XX/XX/XXXX. I paid right away on XX/XX/2021 using the Pay Online : XXXX  and received an email : Your payment has been successfully processed. The payment was withdrawn from my checking account on XX/XX/2021. I received another statement dated XX/XX/2021 for the same services. On XX/XX/2021 @ XXXX XXXX  EST, I called the billing department at XXXX and spoke with a female representative. I informed her I have already paid this bill and provided her the date, transaction email and bank statement. She said she would take care of it. I received another statement in the mail dated XX/XX/2021. I called on XX/XX/2021 @ XXXX XXXX  EST and spoke to the same female representative again inquiring why this claim has not been updated. She said, I did not send her the information. I forwarded the email that I sent her while she was on the phone. She said, they do not have record of the payment because there are two different systems and the payment possibly went to the XXXX XX/XX/XXXX. She instructed me to call XXXX XX/XX/XXXX and ask them to refund the money and then pay them. On the same day, I contacted XXXX XX/XX/XXXX at XXXX and sent an email to omfa.gwa.edu @ XXXX EST. The male representative was unable to see any records for me. He looked up records based on my name and SSN. I received a notification in the mail dated XX/XX/2021 from Transworld Systems Inc. to collect the {$40.00} debt as reported by XXXX XXXX XXXX. I called this company on XX/XX/2021 on XXXX @ XXXX XXXX  EST. I gave the representative the Transaction ID and Approval Code from the successful email. I was told Transworld would notify me in 30 days of their findings. On XX/XX/2021, I received a letter from Transworld Systems Inc. requesting me to send materials to valid my claims. I sent all the information by certified mail via USPS on XX/XX/2021. I received another letter in the mail from XXXX XXXX dated XX/XX/2021 enclosing a copy of the debt I owe and requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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/2019 I opened a dispute with equifax regarding a collection from XXXX XXXX  regarding a XXXX  XXXX bill of $ XXXXDispute # XXXX. 
I submitted a copy of my payment of the amount of {$17.00} ( amount owed ) that was paid on XX/XX/2019. This dispute came back as verified on XX/XX/2019 as being accurate and updated. Nothing was updated not even the correct amount. 
I submitted a second dispute ( # XXXX ) on XX/XX/2019 adding additional documents showing that nothing is owed. All payments were made to XXXX  XXXX. 
on XX/XX/2019 this dibute came back as verified and valid still showing a balance of {$18.00}. 
I also contacted XXXX directly providing documentation and credit card statement of amount paid. 
Both XXXX  and XXXX  removed this collection. 
I don't believe it was verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
transunion and XXXX  has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues

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 2019-06-27
Company: Experian Information Solutions Inc.
State: NH
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:
Disputed inaccurate accounts to Experian on XX/XX/XXXX Report # XXXX Accounts Fraudulent and Duplicate Reporting. 

XXXX / XXXX XXXX XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Was opened fraudulently and is also being reported multiple times with same account number and different open dates. Reported Also as : XXXX XXXX XXXX  XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Also Account Name XXXX  XXXX  XXXX/XXXX   XXXX   Account Number XXXX Opened XX/XX/XXXX. 
{$430.00} Account opened fraudulently and is also being reported multiple times. Reported same account buy changed last digit of account number as : Account Name XXXX  XXXX  XXXX/XXXX  XXXX  Account Number XXXX Opened XX/XX/XXXX. 
{$430.00}

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 2020-04-27
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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of  Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2020-11-10
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 is missing that should be on the report

Complaint:
-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX XXXX XXXX  ) has made the mistake to put my account under forbearance in XX/XX/XXXX/XX/XX/XXXX, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XX/XX/XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to Experian, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XX/XX/XXXX help immediately to get this fixed.

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 2019-09-07
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 i received my direct deposit as usual on my American Express Bluebird card, i used the card for a few purchases before and after my direct deposit was received. However on XX/XX/XXXX i attempted to use my card and it was declined, i called american express bluebird and received a message stating " Your account has been permanently closed please check your email for more info, i checked my email and received a letter stating that my account was closed and i would receive my remaining funds by check to the address that was on file but no information as to when i will receive a check what was my final balance what is the address on file i opened this account years ago and since i have moved, how can i confirm if they still have my correct address if when i call the system hangs up on me after warning me my account has been suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries for auto loan : Experian XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX/XXXX  XXXX XXXX  XXXX I DID NOT WANT A AUTO LOAN ... .THIS WAS NOT ME CONSUMER CREDIT SAID TO FILE WITH YOU THEY CANT TAKE IT OFF XXXX XXXX  XXXX SAID I HAVE NO LOAN SO I MUST FILE WITH YOU OR DISPUTE WITH CONSUMER credit BUREAUS NO ONE WILL REMOVE FROM MY CONSUMER inquiries

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