BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I got a email from bluebird prepaid card company starting my money was deposited {$1200.00} so I went on my mobile app and signed in as I was looking at my account my money was leaving fast I called the bluebird prepaid card company and asked them why is my money leaving my account and I don't have a card? I was told that I didn't order one I informed them yes I did on XX/XX/2023 and was told that one would be issued in 5-7 business days on this day as they were talking to me inside of correction the problem my money was still leaving my account now I had {$18.00} and at that time they helped me with a money pick to XXXX for {$15.00} dollars because the company charge {$3.00} dollars fee for that in between time I did a dispute on the matter and in less than 45 days it was denied so I reopened it again and once again it was denied why? Because they claim they did a investigation how and it was less than 45 day time frame. I just sent in the paperwork you asked me to do just Yesterday I faxed it and yes we did receive it but the investigation team denied it so I reopened it again I am just tried of this I couldn't pay my rent are other bills right now I am behind on my rent and other bills because of this I called the the bank that they affiliated with I call XXXX money they are also affiliated with and was told that I should have gotten my money returned back to me and that they can do nothing about it they just affiliated with them I call back ask you the supervisors because of the service are rude okay I'll look it up all the main offices in the XXXX they don't even have a corporate telephone number nothing I'm not getting through with the company XXXX number that's on the back of my card at the time it was the car engine in XXXX you know please somebody help me get my money back cuz I feel as though that I'm very being treated very unfairly concerning is I've been with that company for 6 years and never had this problem and now that I have they don't want to refund my money that's against my constitutional rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Consolidated Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consolidated Management Group Called me XX/XX/2018 and told me that they were attempting to collect debt for XXXX XXXX, XXXX and that I owed {$240.00}, and the male representative at the time said if I didnt make a payment that same day on the phone that consolidated management group was going to send an investigator to serve me papers to pay what I owe and additional {$200.00} dollars because he had to come out to my house to serve me the papers. Way before I spoke with the representative a man said he was on his way to serve me debt collections papers and in order for him not come and serve them to me, that I would have to speak to a representative from consolidated management group. I called the phone number he had given me and thats when I was being threaten, and I didnt have enough money to give him the full amount. So, I tried to make a payment arrangement and he said no that he wasn't going to work out a payment plan with me but that I would pay him {$150.00} that week, and again he tells me and if I didn't they would send the investigator a long with the debt and I would have to pay him the full amount and on top of that the {$200.00} dollars for him coming out to serve me. That week I paid him the other half even when I was short on money, after, I had to go to my doctor for XXXX because I was afraid that they were going to send the investigator. My doctor from XXXX XXXX prescribed me XXXX pills. Then 2 weeks later on XX/XX/2018 my parents were going on a trip we left pretty early in the morning and I hadn't get home until XXXX. I checked the phone messages it was the same male representative from consolidated management group telling me if I didn't comply with the agreement he was going to send the investigator the following week if I didn't get back to him. I also noticed on the caller Id he called me four times a minute a part from each other. When I called him back I told him I wasn't able to make the payment and he said to me " oh well I guess I have to give your debt to the investigator so he can serve you the papers ''. I explained to him that I lost my credit card payment and that I was expecting the new card next week. He proceeded to tell me and yell at me if I didn't follow the agreement that he was going to send the investigator. 

This was unethical and abuse of business practice I shouldn't have to go to my doctor to get treated for XXXX because of threats from this company and its team member. I received a letter from consolidated management that I paid it in full the whole {$240.00}. I tried to down load it on my computer but I have trouble downloading the document in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have recently pull my credit report and i have identity thief on my report i did not try to obtain credit from any of the inquiry 's thats on my credit report i need all the inquiry 's on my credit to be remove 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 explanation
Consumer complaint received 2018-02-12
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: Account status incorrect

Complaint:
This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: SUNTRUST BANKS, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
SunTrust Bank closed the overdraft line of credit for my personal checking account in XX/XX/XXXX and did not notify me. I found out in XX/XX/XXXX when I checked my credit report. The line of credit was closed while another financial institution had a hold on my checking account in XX/XX/XXXX ; the court ordered reversal of the hold in XX/XX/XXXX. 
I talked to people at SunTrust Bank to get the line of credit reopened, including XXXX XXXX, Supervisor of Loan Servicing and XXXX XXXX, Office of The President, but the bank refused to do so. I have never been late in paying on the line of credit, which should be reopened without my having to apply for new credit. The whole situation occurred because of circumstances beyond my control and without me being at fault. I have been discriminated against.

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 2019-03-06
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:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/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 2018-07-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I borrowed {$20000.00} from sallie Mae and I have paid {$350.00} a month for over 10 years and I owe them over {$35000.00} more then I borrowed. Even though I have been paying them. Sallie Mae gave my account to Navient without my consent. I am a XXXX XXXX and I tried applying for a XXXX XXXX forgiveness loan with the Department of Education, but the Department of Education denied it because it is a private, which I never knew it was a private loan until I applied for the XXXX XXXX  forgiveness program. They were deceitful and never disclosed it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I signed an agreement under duress with XXXX XXXX XXXX XXXX XXXX. Then, my identity was stolen in XX/XX/XXXX. I attempted to cancel the contract made under duress while I was sick and learned that there was toxic mold in my house. They referred the debt to Voss and Klein in XX/XX/XXXX who has harassed me even further. I contacted Voss and Klein on more than one ocassion to tell them the situation, and offered to return the equipment that was ripped out of the wall by the person who stole my identity. They declined. I disputed the charge and the collection with XXXX in XX/XX/XXXX. They are continuing to regard the debt as mine when it is not. It was supposed to be settled in XX/XX/XXXX, and the collection has gone even higher. This behavior is predatory and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX2019. 

I wrote to you on XX/XX/XXXX 2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: GA
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:
Back in XX/XX/2018 I began a dispute for an account XXXX XXXX, and to have all Michigan addresses removed from my credit file, that was opened fraudulently in my name due to identity theft. The account XXXX XXXX ( XXXX XXXX ) has not been removed by Equifax. I have repeatedly disputed this account to have it removed. Every time I call Equifax they keep telling me to fax in more and more documents, that I have already faxed them. I have sent proof of identity, identity theft police report with the account number on it, and proof of address for the past four years. They still have not deleted this fraudulent account off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX are not deleting the negatives out of my credit report as on XXXX XXXX. 
On XXXX XXXX I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XXXX XXXX on conversation with 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 2015-12-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2019-03-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX, XXXX I secured a car loan with SunTrust, account number XXXX. The loan funds were then deposited into a SunTrust checking acct ( # XXXX ) with enrollment in XXXX. This was confusing as I had never seen such an arrangement before. I have had approximately 10 car loans over the years and this was different than any before. 

Two years later, I received an advertisement from SunTrust offering me a lower rate of interest for my car loan with SunTrust 's subsidiary, XXXX. I filled out the loan application online with XXXX and received the new loan account # XXXX. My monthly payments fell from {$670.00} to {$630.00}. I was thrilled. 

In XXXX, XXXX I received notice from SunTrust that the original loan, secured by checking account # XXXX, was overdrawn. I was out of town for the holiday and did not address this problem until XX/XX/XXXX. I have since spoken with multiple people at SunTrust and XXXX and Ive been told that it is my fault that I didnt pay off the first loan when XXXX sent {$29000.00} into that same checking account XXXX in XX/XX/XXXX. That account had still been paying back the original {$670.00} monthly and had run out of funds. I have been automatically sending {$630.00} to XXXX for almost four straight years. I believe there was a bookkeeping error by SunTrust/XXXX that happened when that {$29000.00} was sent to the checking account. 

I was told by representatives of XXXX that the USE OF PROCEEDS section on page two of my XXXX  seven-page document instructed me to use the proceeds for the purpose indicated by you in your application for this loan. I was never told my anyone online or on the telephone that I had to actively do anything to pay off the first loan. The companies offered me the loan reduction. I did not seek it. I was thrilled to pay less on a monthly basis, but I strongly feel that I shouldnt be punished with three more payments of {$670.00} for a loan that shouldnt even exist. I still have four payments of {$630.00} remaining with XXXX. 

I am stating that SunTrust and XXXX used unfair and deceptive practices. And when I wrote to the executive offices and had FIVE telephone calls with XXXX XXXX in XXXX 's exec offices, I was finally told they would do nothing.

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 2017-09-19
Company: EQUIFAX, INC.
State: KS
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:
Equifax and XXXX XXXX have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date. 

2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XXXX/XXXX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please check the status of this account. I was never late on this account and never missed a payment. Please update it immediately on my file. 
XXXX XXXXXXXX Balance Owed : {$940.00}

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 2018-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payment is due on the XXXX of every month to Nissan Finance. On XXXX, XX/XX/XXXX, their system told me that I owed not the {$450.00} monthly payment, but twice that - {$900.00}. They claim that because the XXXX was a Sunday and because they do not process on the weekends and because I had not paid by the preceding Friday, their system told me that the current payment - due XX/XX/XXXX - was late and then included the payment for NEXT month and so it claimed I owed {$900.00}. Again, this was on XX/XX/XXXX for a {$450.00} payment due XX/XX/XXXX and it was doubling what I owed to {$900.00}. So in the " Amount Due '' they were including a payment not due until XX/XX/XXXX. None of this is hard and I actually have a 10 day grace period on each payment, so they should not be acting like my next payment - due in 30 days - is part of the amount I currently owe. In fact, I believe it may be illegal.

Company response to consumer: Closed with explanation