BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was in school. apparently had no knowledge of this private loan, nor the high interest rates. I was definitely pressured into this loan. Unfare practices and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citi approved a fraudulent credit card in my name. A Citi representative revealed to me that Citi " pushes through ' applications despite the fact incorrect information was used to illegally obtain a credit card in my name A Citi representative was combative & hung up on me, the victim of Citi illegally issuing a card to someone using some of my personal information

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 2015-06-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dear Sir/Madam I purchased lot of item through Discover Deals cash back promotion.Below are the items. I called them multiple items. Every time I call them they promised me that i will get cash back on next statement. I wasted lot of time ( lot of hours ) talking to them. They should have automatically tracked but they deliberately not giving cash back thinking that most people does n't bother to call and get the cash back. I believe there is a systematic fraud happening here. 
XXXX XXXX XXXX Order # XXXX - {$250.00} XXXX XXXX XXXX Order # XXXX - {$170.00} XXXX XXXX XXXX Order # XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA - Order # XXXX - {$100.00} XXXX XXXX XXXX Order # XXXX {$32.00} XXXX XXXX XXXX order # XXXX - {$24.00} XXXX XXXX XXXX XXXX # XXXX - {$81.00} XXXX XXXX XXXX XXXX # XXXX - {$15.00} XXXX XXXX Order # XXXX - $ {$10.00} XXXX XXXX Order # XXXX - {$39.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, the customer service represented said they would remove my late fee. On XX/XX/XXXX they had not removed my late fee and gave me another late fee for the month of XXXX. I immediately called and explained the phone call on XX/XX/XXXX and asked them to pull the phone call as I told the first late fee was to be waived. Today is XX/XX/XXXX none of the late fees have been removed. Now is a balance of {$95.00} including interest and additional late fees. I have called several times to resolve this and have my phone calls pulled. With no help other then them telling I'm past due. These charges are complete bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
XXXX hard inquires still on my credit reports all from XXXX, XXXX/XXXX/XXXX. These are almost 2 years old. Also from same company on XXXX/XXXX/XXXX, and again on XX/XX/XXXX.Reports to all XXXX 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 2016-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was informed that I can check my Equifax dispute on their website. When I check the status of XXXX it 's says should be available on XXXX/XXXX/16 and even the automated system says my investigation is complete but when I go on the website it says pending and no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Kross, Lieberman & Stone, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not answer unknown numbers because of frequent solicitation calls, I received about XXXX phone calls within the span of a day and a half, the caller would not state his business and would just leave a name and number to call back. All of these calls were during business hours when I 'm not able to use my cell phone for personal business. I called the number back when I got a free minute on my lunch hour and spoke with the gentleman, he let me know it was to collect a debt, I asked him if he could please mail or email me a statement so I can make sure it 's valid, he gave me an email address to request a bill, I emailed requesting a bill the same day, I did not receive a response until the next day with my name spelled wrong on everything, I asked them to correct before I make payment. I continued to receive multiple calls while corresponding and cooperating via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions 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:
This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXX XXXX,, 5 ) XXXX, 6 ) XXXX XXXX 7 ) XXXX XXXX XXXXXXXX XXXX,, 8 ) XXXX XXXX XXXX,, 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX, 12 ) XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Billing statement

Complaint:
Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
we purchased set of tables from Rooms to Go XXXX Tx. on XXXX XX/XX/XXXX, upon delivery we noticed table was damaged we ask the delivery personal to take it back but he said we will bring replacement back tomorrow, we waited for a week but no replacement arrived, then we called the store they said wait few more days we will send your replacement, after several weeks of waiting we visited to the store and spoke to the manager, who said they are unable to get a replacement and have issued us a refund credited back to the card. But the card issuer synchrony bank never stop sending us the bill, we contacted them twice over the phone and explained about the refund, than XX/XX/XXXX we send them a dispute letter in writing than XX/XX/XXXX they replied they will resolve with in 60 days but as of today XX/XX/XXXX nothing was done by the Synchrony bank we are still receiving bill from the Synchrony bank, please advise

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 2021-03-23
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 Midland Credit Management says I owe them false debt. That keeps being mailed to me. Also I'm having harrassing phone calls. I do not owe this debt because I never did business with this company. The debt is {$9000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from National Credit Adjusters XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me National Credit Adjusters also seized phone calls. I now receive harassing emails from XXXX financial services XXXX XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by National Credit Adjusters to collect on their debts. National credit adjusters is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with National credit adjusters or XXXX financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Winklevoss Exchange LLC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I added {$250.00} USD to my Gemini account via debit card. Same day I also deposited another {$200.00}, followed by another {$50.00}. I used these funds to purchase crypto currency. Since then, I have decided to withdraw my funds. However, every time I try, I am unable to do so. The Gemini app tells me my account is still pending verification. Over a month of waiting for verification, several phone calls and messages sent on social media, I have yet to hear any response to my issues. I find it odd how easily I was able to initially transfer funds to my account yet seemingly impossible to withdraw these same funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call from my home owners insurance that my premium was not paid as of XXXX XXXX, XXXX. I called my GMFS to convey the need to pay the premium that was due on XXXX XXXX, XXXX. GMFS said that is was mailed out to be paid. Three days later, the insurance called me again and said no funds/check was received. I call GMFS back and they said they paid it to my XXXX XXXX ( XXXX insurance company ). 
I contacted XXXX and they said because I no longer have an account with them, the check will be sent back to GMFS. 
I call GMFS back and disclosed that information. Asked if they can cancel the check and reissue another XXXX to the proper insurance company. They said no they could not. So GMFS rep said he was going to make some calls to locate the check. 
On XXXX XXXX, XXXX I paid my mortgage and realize the insurance was not paid. The due amount was over XXXX and my mortgage is only XXXX. I paid the amount due still not knowing what happened to the escrow funds for this purpose. I called again to for more clarification on XXXX XXXX, XXXX and still no lead way on the escrow. Fortunately it was paid because XXXX suffered a major tornado storm on Tuesday XXXX XXXX, XXXX. 
I called today ( XXXX XXXX, XXXX ) to speak with the supervisor because no one knows where the escrow funds are and my account is out over XXXX dollars. The manager XXXX XXXX approach was unprofessional,. rude and a brush off. He said he was going to look into it and call me back in 24 hours. I have been waiting already almost two weeks. 
Today

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had applied for a mortgage loan and was denied and provided a copy of my credit report. To my surprise I found multiple accounts listed on my credit report that do not belong to me. I sent a letter certified mail to Equifax , which was delivered and signed for on XXXX/XXXX/2015, disputing the inaccuracies, primary a inaccurately reported judgement listed as XXXX is unacceptable that the items are still listed on there. The same items were disputed with XXXX and removed, due to the facts that they are not mine and were reported inaccurately. 
Equifax is directly and negatively affecting my ability to not get a home loan. I find it highly impossible that Equifax is reporting information correctly on me and others and this is unacceptable. There are numerous complaints listed on the XXXX website, this site as well as other sites and this seems to be a common complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
What you are doing Equifax is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Equifax , you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Equifax you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Equifax for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Someone stole and used my personal information to apply and opened up the following unauthorized and fraudulent accounts : XXXX and XXXX. I been receiving harassing and threatening telephone calls, including death threats from representatives from XXXX and XXXX in regards to unauthorized and fraudulent accounts and debts that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Thank you for providing this service. I have gotten repeated calls with no message left from Transworld Systems about a debt owed to a doctor. Although I live now outside of the XXXX area code, they make repeated calls often more than once during the day from different XXXX area code numbers. When I questioned the account representative about this, he replied that they have only XXXX number which is not true. XXXX XXXX XXXX over a 5 minute! time span. And I have received five calls in three days. They repeatedly change numbers and do n't leave messages. I owe money. I understand that. They should leave a message and they should not lie. I appreciate your attention to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased furniture in XXXX, paid it off in XXXX. Somehow the original creditor sold my debt to another company and now they are coming after me. I called and explained what was going on. I called the original lender and they sent me proof that the debt was paid off. Now the collection company has this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to file an complaint against XXXX XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim. 
Allowing Second Round LP 's attempt to " re-age '' negative trade-line, a violation, even in situation when Second Round LP failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with XXXX, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by Second Round, LP. 

XXXX and Second Round LP, could not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.

Company response to consumer: Closed
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: TX
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:
Have not been updated on proof of debt. Please remove all negative information off of my account it has been more than 60 days that I 1st reported this issue from. Please remove or I will file for litigation. The information is from advanced collection. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief