BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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: Their investigation did not fix an error on your report

Complaint:
I submitted a request to block fraudulent information from my credit report on XX/XX/2022 along with a FTC report advising my identity was stolen and used to open accounts that I did not authorized. This company failed to block this information even though the proper documentation was provided. I am being told this information has been verified without a proper investigation being completed. These companies that they say I owe does not have my signature on any documentation, and I have not been provided with any any proof of such. My consumer rights have been violated and I am unable to apply for certain credit accounts for myself due to this issue.

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 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a Quicksilver VISA credit card with Capital One. At some point in XXXX, Capital One claimed that there was fraudulent activity on the card. They told me to send photocopies of my Social Security Card, drivers license, and something else to them prior to clearing the fraud alert. I suspected a phishing scheme and refused to do so. 
The account was dormant until XXXX when Capital One unilaterally decided to cancel the account. I don't object to that except that the VISA had a cash rewards plan and I had money due to me. 
In XX/XX/XXXX, I wrote to Capital One, asking for my cash rewards to be paid to me. There has been no response. 
I object to Capital One 's business practices. 1. There is no need for me to send the requested documentation to clear a potentially fraudulent charge. 2. They owe me my cash rewards. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I signed up at TransUnion. There was no obvious indication that the membership would apply fees. So I was charged by XXXX. I found it in one hour and cancelled immediately but they insisted on the membership until XX/XX/XXXX and charging me one-month fee. I think its not reasonable and claim my money back and end the membership now!

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 2022-07-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Atlanticus Services Corporation
State: AZ
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:
I checked my credit score and it said I had a new hard inquiry from XX/XX/XXXX. However, I have not given permission for anyone from this institution to do a hard inquiry into my credit report. I would've contacted them but I have no information into it. I looked them up and don't know any service they provide that I would've even considered giving my permission to. Below is exactly what was in my report. 

" XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America Premium Rewards Credit Cards has a {$100.00} " Airline Incidental Statement Credit '' benefit. Per their terms and conditions : " Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include : preferred seating upgrades, ticket change/cancellation fees ''. 

XX/XX/2020 : 2 charges were made on the credit card for {$120.00} each with the description of " XXXX XXXX XXXX WA '' and " XXXX XXXX XXXX WA ''. These charges were ticket change fee per XXXX XXXXXXXX. 

XX/XX/2020 : As of this date, the {$100.00} had not posted to the account. I contacted BoA and requested the benefit be applied. Claim number : XXXX. Rep name : XXXX. They stated they would investigate the issue and provide a response in 7-10 business days. 

As of XX/XX/2020, BoA has yet to resolve this issue.

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 2020-12-24
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
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:
A fraudulent charge of {$120.00} appeared on my account, so I called to report it and had them close the account. Weeks later I am being billed for the fraudulent charge with threats of interest being added if not paid.

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 2020-06-21
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for XXXX quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure XXXX XXXX XXXX XXXX XXXX XXXX discharge due to a XXXX Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter *** I filed for bankruptcy in XXXX and it XXXX in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND DEALTH!!!! ****** Navient, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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 2018-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I agreed to purchase two tickets to a XXXX XXXX game for {$250.00} total. The seller said he banked at Wells Fargo and preferred to use XXXX. I did not know anything about XXXX so I logged into my Wells Fargo app and XXXX showed as an option. I assumed there was purchase protection because it was endorsed by my bank and as the buyer stated, why would I use my bank account to do a fraudulent purchase? ". I transferred the money and never received the tickets and the person never returned calls. I immediately called my bank to try to cancel the transaction, they said that they had already sent it and I could not cancel. They said unfortunately because you authorized the purchase there is nothing we can do. There is no use in filing a report with our fraud department. He said I could file a police report if I wished to. If a bank is sending money to another bank, they would have that information. Wells Fargo refused to 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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

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 2022-02-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XXXX XXXX, 2016 company opened a collection. 
Account # XXXX {$700.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers. I  also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

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 2016-11-30
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's calling my phone up to 8 times a day. I told them on Monday I would be making a payment and they still continued to call. They have called my work once. They called my mom and she told them to stop calling and they told her that they will just call my work. I 've answered the phone several times and no one is there. I have the call records on my phone to prove it. I would like to press charges against them. I will never deal with them again. We only owe {$52.00} and change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$800.00}. The oral commitment over the phone was that I payback the original {$800.00} with a {$200.00} fee. Yes- Highway robbery but at the time I was desperate. They were supposed to take the money out each XXXX of the month. They started taking the money out when they felt like it and causing NSF fees at the bank. I called them many times and asked them to just take the money out as we originally set up. They would not. So I asked if I could just pay the remainder back in one lump sum ( at that point it was {$600.00} ). I had already paid them back $ XXXX I owed them {$400.00} and the {$200.00} fee-they would not accept it. They insisted I payback 36 consecutive payments totaling over {$7200.00}. 
I had to close my back account because I could n't reason with them. 
Now they are calling my work, home and cell non-stop all day and night. Again I have offered to pay back the original loan with the interest {$600.00} but they claim they wo n't take less than {$1200.00}. 
I wish I never ever borrowed money from them and I have learned a very hard lesson. This is an absolutely scam. I am a good person I just was desperate at the time. Please please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, XXXX & Experian to date XXXX and Experian. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: PA
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/2017 my husband entered the XXXX XXXX in XXXX XXXX. He paid {$410.00}, paid by credit card, to have 2 cabinet doors packed and shipped to a specialized cabinet repair facility in California. A stated value of {$400.00} was declared. Upon return, one of the doors was damaged. XXXX returned and picked up the damaged door for inspection, they then returned it to California without my authorization. To date, I still do not have my cabinet door. XXXX denied the claim for damage as they stated the box was a used box. At the time of purchase, I prepaid return shipping. At no point was it stated that a new box was needed. It is not in their company documents either. Given that the doors had a declared value of {$400.00} and that the packing charge was {$35.00}, my damages exceed the cost I am still owed a cabinet door. <P/>We reported this to our credit card company twice. Both reports were acknowledged, yet the charge was deemed valid -- even though we currently do not have the product for which we paid. They claimed to call us several times, but left no messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I pay my loans through a service called Nelnet. I changed my repayment plan and it was initially processed in XXXX 2016. Since XXXX, Nelnet has made mistakes with how my repayment plan was processed on each group of my loans. Due to this issue, my payments have been incorrect every single month. I received no notice from Nelnet in the changes to my repayment plan processing, only the monthly statement notices. Each time I speak to a customer service representative ( at least once a month ) to ask why my statement has changed, the story changes as to why my monthly payment has changed. Additionally, each month I am assured that the problem is rectified and that my repayment plan has been correctly processed only to find out that the information about my payment they give me is incorrect. This has negatively affected how I manage my bills every month and has made me feel that I am being taken advantage of by these loan collectors. I have had to ask for an apology from several employees and was never offered any consolation for how my loan repayment plan process was mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
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 information incorrect

Complaint:
I am writing to dispute  XXXX   XXXX   XXXX  on credit r eport number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief