BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: Radius Global Solutions LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you

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 2017-12-29
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Amsher Collection Services, Inc.
State: VA
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:
I have gone on a 3 way phone call with XXXX, myself and Amsher Collections and Amsher Collectors refuses to remove the collection efforts and XXXX has informed Amsher Collections that I am current. I have called Amsher Collections numerous times before the 3 way phone to let them know I was current but as of XX/XX/XXXX, they are still reporting to my credit reports that I owe them {$300.00} for a prior XXXX bill which in inaccurate as like I have said, I am current with XXXX and have been making monthly payments since XX/XX/XXXX. Amsher Collections has indicated that they have sent messages to XXXX with no reply from XXXX. This is no longer my problem and Amsher Collections should honor the 3 way phone call between myself, them and XXXX. I have also reported Amsher Collections to the XXXX. I have also screenshoted you a photo of my current XXXX bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AMERICAN EXPRESS COMPANY
State: VA
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 from American Express Travel 4 multi-city tickets from and back to XXXX XXXX XXXX with XXXX. I paid {$2200.00} for each ticket. We were to depart on XX/XX/XXXX, and to return on XX/XX/XXXX. Due to COVID-19-related travel restrictions, I canceled the tickets on XX/XX/XXXX. Starting in XXXX of XXXX, I have been calling AMEX XXXX and XXXX to inquire about a refund. XXXX would refer me back to AMEX because I had paid for my tickets to them and not to XXXX. In turn, AMEX told me that I should try to get a refund from XXXX because the airline had taken " ownership of the reservation ''. 
In XX/XX/XXXX I placed a dispute for the purchase price with AMEX, for which I received a credit. I was charged for the four tickets again in XX/XX/XXXX. A second dispute between XXXX and XX/XX/XXXX had the same result. 
In XX/XX/XXXX, I was able to speak to an AMEX Travel supervisor called XXXX. She got in contact with XXXX and told me that XXXX would issue the refund and that it would take up to 12 weeks to show up in my statement. A refund for two of the tickets appeared on my statement on XX/XX/XXXX. On or about XX/XX/XXXX ( about 15 weeks after I was told the refund could take up to 12 weeks ) I called AMEX again. The supervisor tried to get me to solve the situation with XXXX. I told him that we have already done that and that a partial refund had already been issued. My last communication with AMEX was via email. AMEX acknowledged that XXXX issued the refund but that there was no date for the credit to appear on my card. As of XX/XX/XXXX, AMEX has not refunded me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I had multiple identity theft incidents against me with my discover card. People who were supposed to be helping me in home were using my credit card without me knowing on multiple occasions. When I addressed the situation with discover they informed me I was not liable for the chargers due to identity theft, then they applied all the charges ( some double ) onto my account and now Im paying for it when I was not the one responsible - I still had access to my card and had no knowledge that these people were using my card or hacked my XXXX XXXX until I called to make a payment and realized my balance was ridiculously high. My new card was part of my XXXX XXXX, to which was stolen by these people who I had informed discover if there information - the fraud began at the middle-end of XXXX, I do not have an exact date. This has caused a significant problem with my credit score/ report - discover claimed they would remove all chargers that I was not liable for at all. I had informed them of all the charges that were mine inbetween the times my card was being used - I obviously had no knowledge of the other charges, had I known my card was being used I would have fixed the issue faster. They continue to post an outstanding balance that Im not liable for - Im continuing to pay them and have not been late. I requested they remove these charges and still they are showing. I know which charges in responsible for and have no problem paying my way, but it is unfair and discriminating to say Im responsible for something I know I didnt do and charges I know I didnt make. I need my credit report updated without the charges in my discover account & my discover account to be put back into good standing without issues and the credit company going based off their own agenda. It is unfair and emotionally stressful dealing with fraud and other identity theft incidences, this account and company has caused me significant mental stress and anxiety. I am XXXX and need help with this issue and resolving this account. Putting it back in positive standing, and the charges I disputed to be removed. These people who have stolen from me, on multiple accounts, are professionals, they stole my social, ID, cell phone & lots of personal files and property. I need this resolved as soon as possible, Im having problems with my credit report and score because of this and its causing me tremendous stress and problems financially within my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: AZ
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 contacted equifax regarding multiple Hard Inquiries that did not belong to me, the representative and I went through all of the the inquiries that did not belong to me and she insisted they should be deleted within 30 days and they are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: AZ
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 disputed this account and asked Equifax for an investigation into the  XXXX  Account.   I requeste d Validation, Verification, Process, Contract. I  have not received any of the requested documentation to prove that this is my account. The only investigation results I have received, states that the account / bill / information is true. NO justification. No contract, No etc.   The investigation has EXCEEDED 30 days - requested  XXXX   2017 .   XXXX  In addition the account is being re-aged & from the original date should have been removed, as it exceeds the 7 year statue of debt on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd par
ties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my payment for this account with XXXX XXXX on the XXXX of XXXX XXXX at XXXX XXXX central time I made payment of {$540.00} which i have done this before several times on this day I was told by them and also recording to get payment in by XXXX XXXX  eastern time to be accounted for on time. well this particular time they mark me late, and said it did not post until the XXXX of XXXX, but acknowledge they took payment on XXXX/XXXX/XXXX and it was late but i made it before the cut of time which they said this is correct but we will not change the marker it was there on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, Opened a new account and met all requirements to receive a promotional XXXX  account opening bonus. After meeting requirements, bonus had not been provided so filed a complaint with CFPB in which case the company provided a response on XXXX/XXXX/XXXX that all requirement were met and bonus would post no later than XXXX XXXX, XXXX ( see response from bank below in regards ). Waited until date specified and no bonus has yet to be posted. Bank has held onto my account funds for over 180 days interest-free without providing bonus and has continued to keep my account open falsifying bonus post date by an additional 60 days with their response via CFPB. 

The following below is the bank 's response to my CFPB complaint filed over 60 days ago : Company 's Response on XXXX/XXXX/XXXX ( CFPB reference # XXXX ) Steps Taken : After review of the account it was found that the client did qualify for the XXXX  cash bonus, however the timeframe to allow the credit to post has not been reached. Resolution : XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn a cash bonus of XXXX Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. In our review, we found that you did meet the requirements of the offer in question, promotional code XXXX. Pursuant to the terms and conditions of the offer, the credit will be placed into your account within 90 days after the required transactions were completed. Our records indicate the last required transaction was completed on XXXX XXXX, XXXX. Therefore, the XXXX} credit will post to your account no later than 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 monetary relief
Consumer complaint received 2017-11-12
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX by mail to validate debts : XXXX ). XXXX XXXX Account XXXX Amount {XXXX} ; Collection Agency XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX ; XXXX ). XXXX XXXX A Account Number XXXX Amount XXXX ; XXXX XXXX : XXXX XXXX XXXX Account Number XXXX Amount {XXXX} ; XXXX ). XXXX Account XXXX XXXX XXXX XXXX} ; XXXX ). XXXX XXXX XXXX, Account Number : XXXX Amount {XXXX}, Collection Agency : NCB Management Service : XXXX Amount {XXXX} and XXXX XXXX Account Number XXXX Amount {XXXX. They did not provide legitimate proof. I have called numerous of times this past month asking a customer service representatives how my debts were verified she did not have any information on these accounts that was supposedly mine. I 've requested to speak with a supervisor on many occasions, they did not provide adequate information either on how they { proved the debt was mine verified and validated } and was in hurry to get me off phone when I asked questions about these collection account. The supervisor told me that they could dispute the accounts again but I 've told her that I have repeatedly disputed each account four times this year XXXX, XXXX, XXXX and XXXX XXXX. I 've also requested proof of the collection agencies right to collect on the debts listed above and still no proof provided. I will provide proof where XXXX have removed some debts listed above but all three bureaus need to removed all debts immediately. I greatly appreciate your help in removing the following debts from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: JPMORGAN CHASE & CO.
State: CA
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/XXXX while visiting XXXX XXXX for a work meeting, I received a fraud alert for my Chase checking account. Immediately I contacted the bank and they listed 3 off ATM withdrawals which I did not make. One for {$330.00} 2nd for XXXX and 3rd for XXXX - all from the same ATM. I was in a meeting during the time of the withdrawals. Chase reversed the withdrawals and then a week later took the money back with no notification. When I reached out to chase their response was, the merchant had verified the purchases ( but these were ATM withdrawals not purchases ). When I finally spoke with someone at chase they said my card was swiped and pin was used. But it appears my card was skimmed. Last time I used the card was in the taxi with my pin. I was told that I would need to file a police report which I did ( this took some time as I was dealing with another country ). When I filed the report, chase did nothing. Finally I spoke with someone at Chase on XX/XX/XXXX in their fraud department. She looked into the withdrawals and also felt that something looked odd. Charges were attempted after I cancelled the card ( this information was never shared with me ). It is odd that 3 ATM withdrawals would be made. I have been with Chase over 10 years and I 've never filed a fraud charge. Chase now tells me that I need to deal with the police. Chase has been inconsistent with the information they are sharing with me. First telling me the merchant verifying the charges ( when the fraud was ATM ) and not letting me know about the attempted charges after the card was cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One posted two consecutive late pays to my account in XXXX and XXXX. My account showed no payment due in XXXX and I made ( 3 ) payments to my capital one account in XXXX. I believe capital has not been reasonable. I have had capital one for over four years and this has been the first hiccup ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: SC
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:
My student loan was serviced by XXXX. I have 2 problems : 1 ) They calculated/amortized interest incorrectly. 

As I paid it off every month, some months th iterest expense would be higher than months prior, even though the balance was decliing. 

I took into account the fact that some months have more days than other months. 

I emailed them and called them about 5 times. 

They insisted their accounting was correct. 

I was a XXXX, and I can tell you they over-charged me interest. 

They just sold the loan to XXXX, so they mno longer have my loan. 

I want XXXX to reimburse me for over-charging on interest. 

2 ) On my equifax report - this loan shows under " Derogatory '' category. 
I never missed a payment. When my wife and I considered Chapter XXXX bankruptcy, filed for it, but then VOLUNTARILY had the case dismissed ; being that it was a federal loan, it automatically went into deferral status. I never wanted to quit paying this loan, and never did, but while we considered bankruptcy, they refused payments form me. 

I would like this removed from " Derogatory '' by Equifax and the other credit bureaus, via XXXX 's request. 

i would also like all 3 credit bureau to further mention that my Chapter XXXX bankruptcy - in XX/2013, docket # XXXX, was VOLUNTARILY dismissed.

Company response to consumer: Closed with explanation