BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im XXXX years old and my wife is XXXX. Weve had a Citibank MasterCard/XXXX XXXX card ending in XXXX since XXXX and have XXXX XXXX XXXX Frequent Flyer miles accumulated under this card. For 25 years Ive paid my bill in full every month. In XX/XX/XXXX I requested the card be replaced due to fraudulent charges. I have attached additional information regarding these charges. Im contacting the Consumer Financial Protection Bureau because of the total lack of responsible response from Citibank Corporation. 
Once I discovered the charges I went online, disputed the charges, and phoned the bank to have the card replaced. I was told Id receive a replacement card within a week. I did not receive a card, but a notice advising that my request for a new card was denied. I called a 2nd time and was again told the card would be replaced, then received the denied notice. I called a 3rd time and was told the reason why I have not received a card was because the bank had our wrong address. Interesting, Ive been receiving their bills for 25 years. I called a 4th time and after being told a card would be sent, I advised what occurred after my past 3 calls and asked what would be done different to assume the card would be approved and mailed. I was then told the card approval shows its pending. 
Going online I see after my initial call a card ending - XXXX was issued. After my 2nd call a card ending in - XXXX was issue. But neither card was mailed and both cards show the accounts are permanently closed. There is no pending 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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I CANT DISPUTE THIS ITEM WITH THE CREDIT BEAUREU. TRASUNION AND 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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have incorrect info on my credit report with address and I also have inquries that are not mine

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 2015-08-09
Company: IQOR US INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid off a XXXX XXXX student loan in 2008. I was not aware that an additional interest charge had been posted until some years later when I was contacted by Allied Interstate LLC who stated I owed {$300.00} ( the amount I had paid off was around {$600.00} ). Sometime in XXXX of this year I received a letter dated XXXX XXXX, 2015 that offered a settlement amount of {$45.00} if it was paid within 40 days of the date of the letter. I mailed a check to them on XXXX XXXX which they cashed on XXXX XXXX. That same day Allied Interstate LLC sent me another notice stating that I was still to pay the remaining balance and no mention of the settlement that was offered in the XXXX XXXX letter. They are refusing to uphold the terms of the settlement that they offered of their own free will and accord.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Stellar Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XXXX XXXX, 2015 for a request for Validation of Account. As of XXXX XXXX, 2015 I have not received a response for validation. 

Stellar Recovery called me on XXXX XXXX 2015, in an attempt to collect debt concerning XXXX XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from Stellar Recovery, yesterday I received an alert from my credit monitoring and Stellar Recovery has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was enrolled in the direct express debit card where social security benefits can be received I was mugged on XXXX XXXX and my card and cellphone along with all my Medicare medical and i.d . we 're taken which I had in my wallet I am XXXX XXXX I also am XXXX so it 's difficult to remember pin number was on a paper inside pocket of wallet the people who mugged me went and made a transaction that was in the amount of {$980.00} and I contacted the card company filed a dispute gave clear explanation to incident they set up matter for investigation I was sent a letter asking me for additional details I sent a letter with atmosphere information and the amounts withdrawn from the car XXXX transaction and I waited for a reply from the company they had decided that no incident occurred and said they were not liable for any of the following transactions and would not be reimbursed so I asked for appeal with the results I also filed a complaint with XXXX then was contacted by a employee who is in charge of the investigation team then she said she would help resolve this matter she then mailed my account activities for the month of XXXX and XXXX showing withdrawalsome on XXXX XXXX for these amounts {>= $1,000,000} I had gave a full report to her about what took place the night of the mugging also told her I had no phone to call notified them within 2 days of incident she got in touch with me telling me in order to get the results of reimbursement of funds I was going to have to provide additional information I told her that I only had the purchase record of the cellphone I got in XXXX the carrier name me XXXX and she told me I need to get video for atmosphere machine or security recordings of place where atmosphere is located at I know I ca n't obtain anything like that in any need now I have been calling the person who is doing this matter and she ignores calls I left messages no replies and sent emails no response I want you to assist in recovering my funds from this company please contact me ok

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
These hard inquiries are not me 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 2022-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX is reporting wrong credit score to me! 
They don't update credit scores every month and fail to report payments on time as well! 
I contacted XXXX XXXXXXXX XXXX many times to fix this error but each time they said they will and never did! 
They show a credit score of XXXX where Experian who provides them with credit score shows XXXX! 
I contacted Experian and they said to me XXXX XXXXXXXX XXXX  has not updated my credit score since XXXX of XXXX! 
How does XXXX XXXX XXXX manage to report false credit score on my mobile app!! 
They are not fixing this!

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 2018-07-19
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After finding inaccuracies on my consumer credit report, I sent a 1692g request to XXXX XXXX XXXX on XX/XX/XXXX. The verification affidavit was received by MCM on XX/XX/XXXX, at XXXX. The company failed to verify the alleged debt and continues to report false information to the Consumer reporting agiencies. Additionally, the account was paid, in full to XXXX, XXXX XXXX XXXX on or about XX/XX/XXXX. MCM has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( s ) and/or Representative ( s ) are frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: IL
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:
Experian deleted 100 XXXX XXXX inquiries that I didn't recognize and more than a few other. Can someone explain how they got there so that I can address this with the company involved ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions 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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions 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:
XX/XX/XXXX / amount $ XXXX/XX/XX/XXXXamount {$1500.00} filed ftc report and police 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 2015-09-21
Company: ATG Credit, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I initiated a phone call the ATG credit to resolve a debt. They explained to me on XXXX occasions that they would be recording the phone calls. I expressed to them that I too was recording the phone call for my purposes. They immediately got angered and told me that according to the FDCPA I was NOT allowed to record them. I tried to explain to them that the Federal law states that one-party phone calls are authorized by federal law and they hung up on me. I have also just filed a complaint with the XXXX minutes before this complaint. If they wo n't communicate with me and they will not send me the documents how am I supposed to resolve this debt? They would not send me any documents because they claim they already did. I explained that i have not received them. I asked for E-mails but they will not send them unless they have a credit card number or back check number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has failed to properly investigate my XXXX XXXX Account. this company has reported me 30 days late consecutively from XX/XX/XXXX to XX/XX/XXXX and also on XXXX of XXXX. Not only did I pay on time but I overpaid every month. I have attached my payment history provided to me directly from XXXX XXXX XXXX XXXX as proof. Update and correct this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I provided a bank certified check for mobile deposit to my USAA account. At the time of the deposit the mobile transaction was accepted and did not state there was an image problem. Then 10 days later a image problem was noted to me by mail and the actual check was requested. I mailed the original check immediately after taking another photo of the check. I mailed it by the stated date required. 

The bank suddenly did no recieve the check by the stated date and his holding 10k of those funds causing subsequant problems with my bill pays, and checks they continue to send out checks through my bill pay with a negative balance. 

This is causing me excessive fees and will result in additional credit problems. 
this bank has also been sending my bills out late in the last month. 

I have contacted customer service where they have stated I have a 7-10 day waiting period to get these funds replaced. this is a national emergency. I am a XXXX XXXX XXXX  on the front line and the bank is taking advantage of me at this time. 
I plan on stopping all services with this bank although I have been a long time customer with few problems. 
they have failed to acknowledge my fathers XXXX war service even though he was buried with military honors I want these issues recectified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: LoanCare, LLC
State: MI
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 would CFPB to look at my account dates are wrong.

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 2019-12-10
Company: EQUIFAX, INC.
State: OH
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 ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on 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 monetary relief
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}

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 explanation
Consumer complaint received 2020-04-15
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.

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 2017-03-09
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Navient ( formerly XXXX ) continues to call, leave voicemails and threaten to ruin my credit for a student loan my son owes. I did not co-sign the loan. My son has spoken to them several times but they continue to call me. They are extremely rude, refuse to listen when I explain this is not his number and he does not even live in my house or in the same state I am in! I have asked them not to call, to communicate in writing with me if they feel it 's necessary but stop calling my phone. They continue to refuse and say they have every right to contact whoever they want in an attempt to collect the debt.

Company response to consumer: Closed with explanation