BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I start a create monitoring account with Experian that was free for the first month and {$25.00} per month thereafter. I have been charged for multiple months and would like to cancel the account. Experian does not permit cancellations online or by email. I have tried multiple phone numbers associated with Experian customer service and have been unable to successfully cancel. During one call, I wanted on hold for more than 2 hours.

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 2021-06-12
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX  , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: JPMORGAN CHASE & CO.
State: NY
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 have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/XXXX I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

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 2022-04-08
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. Is practicing predatory and fraudulent collections practices. 

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.

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 2018-02-22
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Notice Of Collection dated XX/XX/XXXX.

on XX/XX/XXXX I called the number of the company, I asked for supporting documentation to support their collection amount, and more details, because the information on the letter is not correct. 
The representative simply hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
this card is a DIRECTEXPRESS DEBIT CAR it is set up thru social security and is the only debit card you can use to receive benefits on, it you don't have a personal checking account. 
the problem started on XXXX XXXX my benefits amount was put on the debit card this is when my problem started some withdrew all of money on XX/XX/XXXX when I signed into my account everything was gone a total of {$1600.00} I called the company every hour of the day for three days could thru. 
I called social security and they could not get thru either I was told the only thing I could do is keep calling on XXXX, I got thru I discovered that someone had called in and changed my home address on XXXX XXXX at XXXX XXXX. That morning also they called and ordered a new card on XX/XX/XXXX had it expedited and that was another {$13.00} this is not included in the total above, I paid this money for someone to steaI my debit card. when I talked to them on the XX/XX/XXXX they closed the stolen card and put my home address back on the card they issued the new card I received the card on Monday XX/XX/XXXX, at the same time is when the post card came telling me about the change of address on XX/XX/XXXX had they sent this when it was changed I could have stop it before my money all stole I called them back they had not even put in for me to my money back. the claim # isXXXX this is thru direct express, I also have a case number with XXXX county sheriff office # XXXX there phone # is XXXX. and after talking direct express they can't tell me when I am going to my money said it would 30 to 90 days. not only is this not fair to me I'm on social security I have no money until they return it this was there fault they changed my address and sent the crooks a new card then they activated the card they also changed my pin number to get my money what is so upsetting is how long they take to answer the phone there is no REASON for them to take three days to answer the phone I called every even thru the night it always said they were experiencing high call volume then it hangs you up and you call back and it does the same thing this is not right I want them to put my money in right away

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select portfolio once again continuing their insurance fraud act on my mortgage account. I have received a renewal notice. I have no obligation to have hazard insurance and mortgage payments on my home, according to my defected permanent home modification. But select portfolio have been collects a unlawful debit every month. Select portfolio has force me to pay a fraudulent insurance that doesn't exits. Select portfolio collected {$680.00} fraudulently and want to collect this coming year. I am Asking here the full name the officer who examined my mortgage and ordered that I have to pay Hazard insurance. The Documents you sent me last time to justify your decision is qualifies intentional fraudulent misrepresentation and deceitful documentation. I am asking Select Portfolio the provide the full name of the officer. I finalized my investigation last month and I have full understanding the scheme you are participating, I will file a case against all players the coming three month. my goal is that innocent home owners never go through, what you put me through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On or about XXXX 2017- I was purchasing XXXX XXXX airtickets ( XXXX for me and another for my sisters ). While I was doing that - there is screen while booking the ticket that is very  confusing and deceptive ( clear violation of UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card  from american express today - I will be getting {$100.00} statement credit. But today when I was chatting with XXXX ( Amex Customer service ) - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover XXXX XXXX XXXX card - reveals the physical card details after applying for that via the XXXX XXXX mobile wallet app. Amex or Delta - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. It 's clear violation of UDAAP. Why one will apply for the credit card ( and XXXX up the credit score ) when they cant ' avail the benefits at that moment or get the reward. This is deceptive, misleading and false advertising by amex. Moreover on that page due to some technical issues - it considered as if I applied twice for this credit card. So it impacted my credit score twice. Why in the world Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. Worst thing - their chat has a lot of wait time, ca n't be expanded, ca n't save the  contents and they never offer to send the contents by email or other means. when i tried talking to XXXX 's supervisor - XXXX - after few interactions - the chat is closed also- which means the moment I asked tough questions - they closed the chat. There is something wrong. This scandal/scam is as big as XXXX XXXX making folks fake accounts. Amex is tricking people to open the credit card which has annual  fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: General Motors Financial Company, Inc.
State: MD
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 noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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 noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They are reporting wrong information about name and address

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 2018-03-22
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe that Navient has not been applying my monthly payments accurately. I have been paying 180 a month for ten years. I have paid out as much as the initial loan, yet my loan balance has barely moved in those ten years. Navient is not applying my payments correctly and in  essence has been stealing, I feel, from me for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been corresponding via email with XXXX, the debt collection company since XXXX XXXX 2017. To date, Ive paid approximately {$8300.00} towards a debt that was originally approximately {$8000.00}. I initially requested a payment ledger showing all payments to date. I received the payment ledger on XXXX XXXX 2017,  about two weeks later. Since, that time, Ive been corresponding with an XXXX XXXX, about the supposed balance. <P/>XXXX. XXXX, after much prodding, told me I still owe over {$6000.00} on this account in interest and fees. Ive sent her two subsequent emails to date, requesting a thorough explanation and breakdown of the interest and fees, yet, Ive received nothing. Requesting a breakdown and thorough explanation of a balance of HOW the balance is over {$6000.00}. I am entitled to more than just a statement of what the balance is. I believe Ive fulfilled my obligations. Thanks.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-06-12
Company: CU Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was contacted by CU Recovery about a debt collection for the amount of {$2300.00}. On XX/XX/XXXX I sent a Cease & Desist from Collections to the company along with documents outlining several US code violations. Their continuous calls and such conduct have caused me to suffer XXXX XXXX, embarrassment, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Delta Management Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no contract or knowledge of the account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I need help with a company that is indifferent and totally unresponsive to my concerns. 
After using XXXX 's money transfer subsidiary Xoom to send money to a friend in XXXX, I was abruptly suspended, and after trying to find out why, their " customer compliance '' department cancelled my account. I have no idea why. Apparently Xoom is independent of XXXX with their policies/ I have used XXXX XXXX its inception and they have excellent customer service. This Xoom company said by email my account was cancelled. 
That there are no appeals, and if I tried to email them I would not receive a reply. 
Telephone contact was fruitless since everyone said, as if reading from a script, that this was company policy not to reveal why my account was cancelled. 
I need your help finding out the reason and how I can restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Someone opened an account on XXXX and used my identity to pay an item on XXXX in a totally different location. I called XXXX and XXXX and they confirmed about the transaction. The person that used my identity presented ID card with my name to pick up the item they bought. XXXX did not cooperate with me I field 3 time a report and they keep saying it take 3 - 5 days to get a response. I never received anything like that rather only to pay the loan under my name. I am reaching to you because affirm filed a credit report and now my credit score dropped and I see it on my Experian account. I filed police report, locked my credit file and changed the passwords to my 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