BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: BlueChip Financial
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB representative I have been a American Express card holder for over 20 years and it appears that somewhere in the process they move my purchases over to a cash advance apr, I have never had a cash advance with American Express, please help me to resolve this issue, I am sure I am not the only customer this has been done too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Credit Karma, LLC
State: WI
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:
XXXX  informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. XXXX  still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX is trying to collect a debt that is not mine. False credit card from a XXXX XXXX XXXX that i never had and they are trying to collect {$720.00} on my Trans Union credit report only. I have sent validation letters to these people without any response back. They have had 2 validation letters sent out in the past 3 months with no response and they are still reporting erroneously on my Trans Union. Trans Union fails to verify properly and ignores the fact that i am concerned about this false account. I am reporting this complaint on XXXX as well as Trans Union for  not verifying this unknown debt. This is why i have a fraud alert on my credit report due to fraudulent debt collections such as stated above and credit bureaus not doing the proper verification, instead the credit bureaus use a computer ( e-oscar ) to verify and that it not appropriate for fraudulent debt collectors! Please remove Trans Union this is already in violation to the FDRA and XXXX is in violation of the FDCA

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 2019-01-24
Company: EQUIFAX, INC.
State: NE
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:
There are two accounts on my Equifax report which are aged at 7 years and 5 months. Equifax claimed they deleted the accounts for being 7 years back in XX/XX/XXXX according to my XXXX XXXX print out, but the accounts still remain. I reminded Equifax two different times that they promised deletion yet the accounts still remain. These two accounts were closed and eventually sold to a collection agency, this makes for four accounts showing on my report for two loans ( 2 were closed and 2 were their collections ). The original accounts were deleted from Equifax, but the two collection agency accounts are still there. XXXX  deleted all accounts affiliated in XX/XX/2018. And XXXX  deleted all accounts affiliated in XX/XX/2018. My records show deletion of all accounts to be legal as of XX/XX/2018. So Equifax is keeping these two collection accounts on my report without myself, XXXX  or XXXX  agreeing with their records. I asked them to send their unique records to me showing that the accounts are under 7 years, but they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with  a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
COLLECTON ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.

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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have state tax lien reported on XX/XX/2010 that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help

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 2019-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Transunion will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Transunion can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX - XX/XX/XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX - XXXX XXXX, XXXX ( 4 )  XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX ( 6 ) XXXX - XX/XX/XXXX ( 7 ) XXXX  - XX/XX/XXXX XXXX 8 ) XXXX  - XX/XX/XXXX ( 9 ) XXXX XXXX  - XX/XX/XXXX ( 10 ) XXXX XXXX - XX/XX/XXXX ( 11 ) XXXX XXXX - XXXX  XXXX, XXXX ( 12 ) XXXX XXXX - XX/XX/XXXX ( 13 ) XXXX - XX/XX/XXXX ( 14 ) XXXX  - XX/XX/XXXX ( 15 ) XXXX XXXX - XXXX  XXXX, XXXX ( 16 ) XXXX XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. 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 2021-08-05
Company: PROVIDENT FUNDING ASSOCIATES
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested a PMI cancellation form from my mortgage company. I requested this because I have done some improvements to the property after moving in. My house was appraised less than 60 days prior to XX/XX/XXXX because it was part of the closing process which was requested by the mortgage company. I was under the impression that I could request something called a Buyer 's Price Opinion ( BPO ) which would give my mortgage company a verification of the value of the property in connection with the PMI cancellation that I requested. 

Once the BPO was requested, I was asked to pay {$120.00} for someone to come out. This happened a few days later. The realtor who did the BPO said everything looked great and I was told everything should be good to go. 

On XX/XX/XXXX - I got an email saying there was a letter from Provident on my account and that the PMI cancellation was denied. However, I was not able to open the letter online because of a Server Message error. This was the case on multiple browsers and computers. I contacted Provident on XX/XX/XXXX asking to get the content of the letter resent to me or re-uploaded to their system. I was given the Case Number XXXX. I received a response on the same day saying that they can not email me the document/letter and asked me to re-try with other browsers. I responded the next day clarifying that I can not read the contents of the letter so they should reupload to the system, the mortgage company told me that a physical letter would be mailed to me along with the BPO ( on XX/XX/XXXX ). On XX/XX/XXXX, I got a message saying they reuploaded it and to try again. I am still getting the same error at this time after they reuploaded the letter. 

Today is XX/XX/XXXX and I have received other letters from Provident since having talked to their customer service representative but I have still not received an explanation on why my PMI cancellation was denied. I have record of the correspondence between myself and Provident on these dates. I have screenshots of the error I'm seeing online as well. Provident has provided me with no explanation and no other process to get the letter. All my attempts have ended up in the same way where a customer service person either says it will be mailed or they have uploaded it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out via my credit reports that there was a collection account being reported to my otherwise perfect credit. I had never heard of this collection agency and never heard of the medical practice that was referenced in the credit report. I was a victim of identity theft and reported this to the credit bureaus plus the dispute of this foreign medical debt. Ive never received any notice of any bill or collection from this company - ever. I called the collection company to dispute this with them, but paid the extortion monies to repair my credit ( even though I still have no idea what this debt is or who these people are ).

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 2019-10-13
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:
This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through

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 2019-01-24
Company: Experian Information Solutions 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:
The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXXXXXX XXXX, {$1500.00} and XXXX XXXX, XX/XX/2019.

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 2022-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data n my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Financial locked me out of my account and due to this I could not make payments and after trying to contact them numerous times, and not receiving a single answer, they moved my account into delinquency. 

I have now tried to contact them on multiple occasions and they seem to always be closed or unavailable to answer when I 'm being transferred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, my Simple accounts were automatically converted to a BBVA checking account and savings account due to the acquisition. On XX/XX/XXXX, I decided to transfer the remaining funds of the checking account ( {$5000.00} ) via ACH and close the account. I also closed the savings account and no transfer was needed because it had a balance of {$0.00}. I received an email on XX/XX/XXXX from BBVAs fraud department asking for verification asking me to call within 3 days. I called on XX/XX/XXXX to verify the transfer so the funds could be released. 

When I had not seen anything appear in my XXXX XXXX account which is where I sent the BBVA transfer to, I called XXXX XXXX and verified the routing information. They did not have the funds and directed me back to BBVA. After speaking with BBVA on XX/XX/XXXX for over an hour, they tried to say it was XXXX XXXX responsibility and that the transfer was successful. I asked for verification of this and they said they couldnt provide it to me. In a letter dated XX/XX/XXXX sent to my old mailing address, BBVA stated they were unable to locate the account and was provided a return settlement account number : XXXX. This means that when I called about my transfer and they said it was successful they were either misinformed or lying. I received a ticket number from BBVA when I called again to let them know I received the letter stating the transfer had not completed and we had a conference call with XXXX XXXX to again validate that BBVA is responsible for this issue. I received a ticket number : XXXX and was told I would be getting an update in a few days. The last I heard from BBVA was on XX/XX/XXXX and it has now been a full week with no reimbursement of funds or a written letter stating the status of this case as I had requested. For over a month, BBVA has lost {$5000.00} and has provided no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The Loan was taken out in XXXX unsure about the month. It was around XXXX or XXXX. When it to getting relief about the loan I was told that the loan did not qualify for any relief programs because it was a consolidated loan. I was unclear about how you can consolidate a single loan. When asked about the consolidation proof and terms of how the consolidation was put into place nothing was ever sent. When it came to repayment I established a payment arrangement but the balance was not going down and it seemed to be going up at an accelerated pace. There has been ongoing calls about this matter since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX XXXX. Keeps lying about this issues XXXX XXXX XXXX claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Once again American Express enables international criminals, fraudsters, thieves against American small business by allowing these people to steal trade secrets, intellectual property, goods and services using their American Express credit card, and then once they have benefitted from this, allowing their " cardmembers '' to file frivolous fraudulent credit charge backs wherein they steal ( in our case {$10000.00} ) in the blink of an eye from our law firm bank account, abruptly & without warning, causing our checks, employee paychecks, rent checks, insurance checks to bounce and otherwise create chaos in our balanced checkbook and small business life. We have provided these thieving dishonest idiots at American Express signed retainer agreement contracts, detailed billing invoices, proof of delivery of goods/services/legal work product & other evidence from our former client XXXX XXXX XXXX, but they still back up/support their criminal cardholders in their theft of services/grand larceny by trick.

Company response to consumer: Closed with explanation