BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2022 I started receiving harassing phone calls daily from a collection agency on behalf of Att mobility. However I do not owe them anything. I actually have proof of them owing me and having to refund my husband 's account. I disputed this through XXXX and weeks later I received notice that the account was removed/deleted from my credit report. This was in XXXX of 2022. In XXXX of 2022 I received notice that this so called debt had been added to my report through another collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 XXXX 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 XXXX XXXXXXXX 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 im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the BoA XXXX XXXX Credit Card because it states you get XXXX bonus points if you spend {$3000.00} in the first 90 days https : //www.bankofamerica.com/XXXX I spent the {$3000.00} and never got the credit - I tried calling and they said that the bonus wasn't available to me - I spoke with XXXX, a customer service manager and he gave me this reference number XXXX They said that it was an " online only '' offer, and that I had not applied for the card correctly. This is blatant false advertising, as I would NEVER have signed up for the card if not for the rewards. 

By the way, they charged me {$95.00} in annual fees immediately after opening. They stole money from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Winklevoss Exchange LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX and XXXX XXXX  ( about $ XXXX ) were stolen from me out of my Gemini account ( account held in an IRA and XXXX XXXXXXXX XXXX is custodian ) in the hack that occurred on XX/XX/2022. I attempted to contact Gemini and its owner in various ways at various times since then, asking for restitution whether partial or full, but I have received no reply with any substance. I would like to join with complaint ID XXXX because the filer of that complaint already gave substantive info, and I don't want to cause you more work by duplicating information. But, I can certainly be available if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}. 
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail on XX/XX/XXXX stating I repay a debt to Citibank in the amount of {$1700.00}. I have never opened an account with Citibank and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.

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 2021-01-11
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am a XXXX with private loans. Navient has been calling me to request that I start repayment, since my grace period of 4 years is over. I have spoken to them several times and have described my situation as follows : I am still in school. My program does not allow me to find work besides the assistantships that they require me to fulfill ( this is standard in the field in which I am pursuing my degree ). As a result, I am unable to procure for myself additional income. This is of importance because my stipend only covers my basic necessities. I have gone over my finances with them multiple times, in detail. I have shown that I am unable to repay at the moment. Whenever I offer to pay the amount that I am able to pay ( $ XXXX- {$100.00} per month ) they have rejected it saying that it is not enough. They claim that they are willing to help, however, in the end, if I do n't pay the minimum amount ( which I can not afford ) they will not compromise. In addition, I have colleagues that are also past their 4 year grace period and they are not being asked to repay. This fact is only to say that I wonder why I am being targeted and why they are unwilling to work with me. I wish that I could talk to someone to make an appeal, but I am only ever able to speak to associates that pressure and harass me and do not try to work with me on this issue. 
I would greatly appreciate any help. I am not trying to get out of repaying, I just have not completed my program and I worry about next year also because I still have one year of internship to complete, where my income will also be limited. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was purchasing a car in XX/XX/XXXX and was told that my credit reports returned a debt collector notification. When I pulled the credit through my current bank a few weeks later a medical debt was reported and I filed a dispute through XXXX. The dipute listed that the CBE Group Inc tried to contact me 3 times, however I was unaware and the dispute came back unspecified. I followed up with a phone call to XXXX  where no one could explain the debt and I was told to contact the collector. On XXXX XXXX I was arrive to work to find my paystub had already garnished my wages for this debt at the amount of {$460.00} a month. The employer had been notified on XXXX XXXX XXXX and I was not notified until XXXX XXXX upon my discovery. When I received the paperwork for the garnishment from my employer I contacted CBE group regarding the debt to complain about the garnishment with no court order and the only information I received was it was medical debt from XXXX but no details other than {$5400.00}. They are no longer communicating and Im being bankrupted by this issue without the ability to exercise my right in court nor being explained the debts. I have supplied paperwork showing that my XXXX benefits ended in XXXX and I have carried private insurance through my said/current employers. I believe they are wrongfully placing the garnishment and the destroying my credit for an old debt or a debt that can not be explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am a Bank of America customer and was planning to travel to the XXXX XXXX on a cruise. I notified Bank of American on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Bank of America debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The amount of times and different numbers Portfolio Recovery has called me from is harassment. They call me before I wake up in the morning. They call me at XXXX XXXX  when I am at work. They call multiple times a day from lots of different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hi XXXX has a negative debt on my credit and I never lived at that address, I have contact the Apartment complex company and they could not find me I need this negative info off my credit so I can go on with my life I need the sign lease with my signature and me agreeing to pay whoever lived at XXXX XXXX in XXXX. Debt XXXX The company XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the fall of XXXX in XXXX or XXXX service was rendered at the doctors office and submitted to my insurance company. This was supposed to be paid by my insurance but In the months that followed which is now year XXXX during the month XXXX I was notified of non-payment from my medical office. I contacted my insurance where I was informed the medical office submitted the wrong code for payment and had to be resubmitted with the right code to be paid. I notified the medical office and gave them the information from the insurance company. I figured everything was finally cleared up when I noticed this month XXXX that it has been sold to a collection agency because its now on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: WAKEFIELD & ASSOCIATES, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  is still reporting information about from Wakefield & Associates on my credit report that they havent properly disputed. I sent letters to both XXXX and Wakefield & Associates by certified mail ask them to send the sign inked document with my signature in order to validate the debt. XXXX  has deemed the Account to be accurate by FCRA rules but hasnt sent me a copy of the signed ink document for verification. I ask that they send the proper documents immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
To whom this may concern, I have been trying to contact EPPIcard inquiring about my unemployment card that my unemployment benefits have been going onto and I have not even recieved this card and have no way of accessing anything or anyone reguarding this issue. so now i am reaching out to you in hopes that we can get something figured out before I no longer have a home because i cant access my money in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting an inaccurate credit limit on my XXXX CARD account. My credit has been increased to {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I received a letter from Cabela 's Club Visa that due to a credit report that THEY pulled from XXXX ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because XXXX reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of Cabela 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a disabled veteran and am on a fixed income and because of credit card companies practices to do this to disabled veterans and keep us from building our credit worthiness, this is discrimination! Cabela 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX XXXX  has placed derogatory information on my credit bureau regarding an account belonging to my father XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX and I have never opened an account or had an account with XXXX XXXX XXXX XXXX. They continue to report this account negatively in my credit file and Chex Systems. I have disputed this twice yet they keep it on. I am once again disputing this item under Section 609 of The Fair Credit Reporting Act which requires specific information to be supplied or the item must be deleted. To date BOTH Chex Systems  and XXXX XXXX XXXX XXXX have failed to comply with my requests. Please enforce section 609  FCRA

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 2021-01-11
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " Hayt Hayt and Landau P.L ''. No response after multiple days of calling and emailing. I then reached out to XXXX XXXX ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the XXXX XXXX agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " hayt hayt and landau '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to XXXX XXXX on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with XXXX that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.

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 2015-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX stated we owed a balance after we paid the contract agreement. XXXX sold the matter after we disagreed to a Collection Company XXXX. We worked with XXXX and went to Magistrate Court XXXX. It was determined to by Judge XXXX that the matter was too old and Closed the case. Equifax has decided since the Trade name were different that matter could not be removed. We checked with the XXXX to be told that was not true that XXXX XXXX XXXX, XXXX, and XXXX of XXXX were the same. We stated this to get a non response from Equifax.

Company response to consumer: Closed with explanation