BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: SECURITY FINANCE CORP
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:
Someone has been opening accounts in my name without my knowledge.

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 2020-10-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX  XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX- I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.

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 2016-11-27
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I HAD LIVED SIMPLY SHORT TERM CONTRACT APARTMENT WHICH IS NEAR XXXX AREA STUDIO COMPLEX APT , CITY OF XXXX, XXXX. 
I ALMOST LIVED APARTMENT NAMED AS XXXX AT XXXX, XXXX, LEFT CONTRACT PERIOD 1 OR 2 MONTH. 
AT THAT TIME I HAD GOOD PAYMENTS SO FAR, THEN I HAD CONTRACT JOB AT XXXX, XXXX CONTRACT TRAINING BEGIN THERE 3 MONTHS SCHEDULE, PROVIDED EMPLOYEE DORM, IT WAS XXXX XXXX COMPANY. 
SCHEDULE ARRANGEMENT FROM CO. ON CALL JUST BEGAN AND I WAS LIVING MYSELF IN APT , SO I MADE EXCUSED TO APT MANAGER FOR THIS MATTER,, I EXPLAINED THIS SITUATION AND APT MANAGER UNDERSTOOD AT THAT TIME, SO I MADE A DEAL MY SECURITY DEPOSIT WILL GIVE APT MANAGEMENT, AND NOTICE THEM ABOUT 1-2 WEEKS, SHE TOLD ME NO PROBLEM AT THAT TIME, I HAD INSPECTED AND GIVE APT DOOR KEY, AND MOVED OUT IN CLEAN CONDITION. UNFORTUNATELY APT MANAGER REPORT ON MY MAJOR CREDIT REPORTS.

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 2017-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car payments have always been made on time until this month when we fell on hard times. Although my payment was due on the XXXX of XXXX we have a 10 day grace period. On the XXXX of XXXX Credit Acceptance started calling me at work up to 5 times in an 8 hour period after being told not to contact me at work, they could reach me after XXXX at home. To make matters worse they were doing the same to my mother at work since she was my co-signer. I submitted partial payment today via online payment center and also an e-mail explaining that I would pay the remainder next week and they are calling again, I have received 2 phone calls already this morning and my mother has had 3 and it is n't even XXXX yet.

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 2016-04-07
Company: First Sun Financial Inc
State: FL
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
XXXX issued a check payable to our customer, XXXX AND firstsun financial inc. XXXX negotiated the check locally and received all the funds. we never endorsed the check or received any funds. XXXX even told us personally that he cashed it. i filed notarized check fraud affidavit for nonendorsement thru XXXX who says they submitted to XXXX in XXXX XXXX they said then that the bank said it would take 90 days. that passes 2 months ago. i have made repeated calls to the insurance company. i called the bank, they refused ant info, status or comment about my affidavit ... ..was it received? ... did they debit it back thru XXXX??? ... did they already refund XXXX?? as a XXXX, i know that such matters require tracing back the guily party ... .the bank or the insurance. i need to start with you to see what the bank has done. in my XXXX years of XXXX, i know that no problem next to major litigation takes this long! quite simply..they take my affidavit and the endorsement complaint, send as returned item thru XXXX who returns it to the negotiating bank, who might even send it to the local branch that took the item. either way it is THEIR responsibility to get funds from the customer. in the meantime, all parties should have been refunded along the way. 
I ask your help to investigate this matter with XXXX XXXX. we need to know what they have or havent done. 1 am attaching a copy of the check that was provided. I think 6 months is enough!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: FMS Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 XXXX XXXX,2017, My husband was approved for a CC Capital One. It was then shipped out on XX/XX/2017.When we received the CC we contacted Capital One to activate the CC. We than were told the by several agents the CC was placed in the Fraudulent department? We than tried to get answers as to WHY it was placed in that department and no one had the answer but to tell me us We do n't know. So my hubby spoke with an agent to get this cleared up, she asked him several questions. ( he could NOT hear her due to the interference and she spoke so quickly my hubby asked her many times to slooooow down. she than apologized and informed my hubby that unfortunately they could not activate the card? She than requested some vital information from him to submit to Capital ONE ... and we still are unclear as to WHY the card was placed in the Fraudulent department and why he was approved! They refuse to hear reasoning 's so I decided to submit a complaint to this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase offers an online external transfer service, which I set up to transfer to/from another bank and I validated the " trial deposits. '' When it was confirmed I could make a transfer, I initiated a transfer, which was held for suspected fraud. 
I called and, per attached, Chase says they can not verify my identity because I do not know the DOB of my divorced brother 's first wife 's mother. 
I immediately travel to the branch and show four forms of ID ... doing exactly what Chase asked. But rather than clear the transaction, they then " reject '' it. 
They then tell me that in order to do an online transfer, I must set up a three-way call with Chase, myself, and the other bank. Totally ridiculous ... there is no mechanism to do that. 
So I'm then left with no other choice but to wire the money ... thus paying a {$35.00} fee to Chase.

Chase has designed an anti-consumer process by which customers are denied access to the free, online ACH transfer service leaving them to pay {$35.00} to transfer money, thus increasing Chase 's share price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action

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 2015-08-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hi, I enrolled in the American Express offer of spend XXXX+, get XXXX bonus membership points at XXXX XXXX XXXX XXXX XXXX of my American Express Cards . I met the requirements on all XXXX cards, but only got XXXX bonus points. I am expecting XXXX membership points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I received an email from the collector that I owed {$1800.00} for an unpaid lease break fee. On XX/XX/2021, I called them to settle the debt. I explained that I was not the only one on the lease, and asked if I could pay half of the amount. They told me that I could make a one-time payment of {$1000.00}, and the debt would be written off. I agreed and paid over the phone. I asked for a receipt by email after, which I never received. When I checked my bank account, I saw that they had charged me the full {$1800.00}. I called them on XX/XX/2021, and asked for an explanation. They denied ever having told me they would accept the {$1000.00}, so I asked them to go back over their last recorded call when I paid the debt, so they could see that we agreed on {$1000.00}. They told me they would call me back as soon as they could, and I never received a call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I would like to file a formal complaint with your office regarding extremely poor customer service I have received from your customer service department of Citi Priority. As well as your executive response unit with XXXX, who has not returned numerous calls and emails left at his office. 
XXXX I have been a loyal citibank client since 2007. I currently am a Citi Priority account holder, and have received extremely poor, horrible customer service regarding overdraft fees charged to my account. I am currently residing abroad in XXXX, and travel back and fourth to XXXX frequently. I was recently charged XXXX {$34.00} overdraft fees to my Citi Priority account, for insufficient funds. I have been expecting a payment from one of my clients, which unfortunately was delayed. 
XXXX I am very unhappy with the very poor, nasty and unprofessional customer service I have received from Citi Priority, regarding my request for both of these fees to be reversed. 
XXXX I also have tried to open a Citibank savings plus account, but my account has been closed, two days after opening it. this is extremely unprofesssional, and I am really unhappy of the very unprofessional, abusive, horrible service I have been receiving lately. I want this savings plus account ending in XXXX to be immediately reinstated, as it was closed about two days after it was opened. 

XXXX I would really appreciate a member of your staff to please follow up with me to please immediately remove the block from my savings plus account, and have the account ending in XXXX immediately reinstated. 
XXXX I have recently started a new career working for XXXX here in their XXXX headquarters of their XXXX offices. I am not sure if you offer any special promotional accounts or offers for XXXX employees, but if there might be any special programs available with Citibank for XXXX employees, I would greatly appreciate any additional information. 
XXXX Please accept my most sincere apologies in advance for having to be left with no other alternative but to contact your offices. I really appreciate and respect your time, and I look forward to receiving a follow up from a POLITE and PROFESSIONAL member of your executive response team, as I have not received any response to the numerous messages and emails left at XXXX Office. Extremely unprofessional, and terrible unresponsive service received from this representative in your XXXX. You should be ashamed at his very unprofessional, and terrible customer service and follow up skills.

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 sent it a dispute various times since it does not follow the XXXX reporting regulations. When I received a response from them, I asked for information on how it was verified and did not get a response, only a letter saying it was verified again.

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 2015-09-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
American Express has no way to receive written messages through its website, other than, perhaps, in a " chat '' exchange that is far too time consuming to be worthwhile. It will not allow you to simply send a written message to it through its website. This practice restricts easy communication with it and tries to force its customers to have to waste time on the phone on hold or waste time with its ridiculous chat exchanges. Its online questionnaire to challenge unauthorized charges, furthermore, tries to force you to answer inaccurate questions, the presuppositions of which are simply false. It tries to box you into statements you would not make by its refusal to take written comments from its customers online that are in the customer 's words rather than in AMEX 's. Along with other billing and advertising deceptions, AMEX should be forced to receive written comments from its customers through its website, so that they can speak freely for themselves and not be forced to waste so much time with them on the phone or through any other means, or to have what they are trying to say intentionally distorted by the idiot forms it tries to foist onto its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below: 

XXXX	
90 days late as of XX/XX/2016

XXXX
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Asset Acceptnce, LLC has re-aged the debt on several accounts they hold in my name. They are reporting in accurate earliest delinquency information to the credit agencies.I have sent letters to them to verify the debt and to send me confirmation of the first delinquency date. They failed to do that and sent me only a letter saying they will note my account as disputed. Each of the debts they hold was first delinquent in 2009. They are all scheduled to fall off my credit files this year after the 71/2 time frame elapses. The re-aging of debt is illegal and Asset Acceptance , LLC is doing this to purposely scar my credit beyond the 7/12 year limit. The accounts as of now that I am referring are : XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NM
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 have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, Equifax, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: TN
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:
My loan is a combination of federal and private loans that i consolidate in the XX/XX/XXXX. i graduated in XX/XX/XXXX and consolidated thereafter. My original loan was XXXX. XXXX sold my loan to Navient. I have {$320.00} taken out of my checking account automatically every month and I still owe XXXX. There is no way to pay this loan off. The end date keeps changing. I will retire from the XXXX with 30 yrs in or around XX/XX/XXXX and will still owe student loans!!

Company response to consumer: Closed with explanation