BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: ZENCO COLLECTION, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call from a XXXX XXXX XXXX on XX/XX/XXXX. Zenco Firm, the first time, but it is actually Zenco Collects. Tel. number XXXX # XXXX Has website with numerous negative reports. Real collectors, supposingly will not verbally abuse someone or make threats against them. XXXX XXXX XXXX associate a XXXX XXXX phone number XXXX XXXX XXXX # XXXX case # XXXX, attorney for the State of Texas.??????
Right off XXXX XXXX threatened to compromise my social security card number in which she had along with my drivers license. She said I owed over {$17000.00} from this debt in XX/XX/XXXX. She was willing to accept {$560.00}.
Again she threatened putting a lien against my condo and car. I asked her how she got the information. She said they were debt collectors.
When she told me about my social security, I knew it was a scam. But I was upset about her knowing my ss # and license #. Since that date she and her associate continue to harrass me via phone calls but dropped the ss # They are very good ad threatening people, especially senior citizens. They have all these legal words and recording numbers .Also they would only accept payments thru XXXX card or check - no payment plan. I saved all their phone calls on my voice mail. I am anxious about their knowing my home address.
Check out their website. zencocollects.com I need this stopped ...
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Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RFC XXXX is reporting on my credit profile that I allegedly owe {$2800.00}. They also have Credit Recovery Associates trying to collect the debt on their behalf and the alleged amount they are trying to collect is {$110.00}. The XXXX companies are reporting on my credit profile for the same alleged debt. I contacted XXXX and the only information that they provided me is that a live check was sent to an address that I did n't live at the time. No one actually came into an office to take out a loan with them. I requested a contract agreement from this company but they did n't have anything with my signature on it however they continue to report on my credit profile and ruin my credit reputation. Is it legal for this company to report something twice on my report that does n't even belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: FISERV INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, I called Money Network 's customer service phone number to make a request to close my account and be mailed the remaining balance in the form of a check. I submitted the requested information to the email address the customer service representative gave me ( XXXX ) and was told I would receive the check in the mail in 7-10 business days. 

Today is XX/XX/2020 and I never received anything in the mail from the company so I called the customer service number for an update and the representative I spoke with said they have no record of my sent email from XX/XX/XXXX. So I confirmed the email address was correct and resent the email three times while on the phone with the representative, in which they said they were unable to see it being sent in and had no further able to help me close my account and retrieve my money. They have frozen my access to the funds in the account and are have been charging a {$5.00} maintenance fee per month towards the money in my account. I simply want to close the account and be issued my money that is left in the account and they are not helping me do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TN
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX. - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX XXXX Bank XXXX - {$1800.00} Acct # : XXXX XXXX XXXX Bank - {$500.00} Acct # : XXXXXXXX XXXX XXXX XXXX - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: NC
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 would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on    XXXX   XXXX   XXXX   . They (  XXXX   XXXX   XXXX   )  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX  management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged my  credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  XXXX   XXXX  must be addressed as the rep on the phone on    XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX     (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my   XXXX      years ever hit my credit with a HARD inquiry for a simple, few  hundred doll ar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a coupl e hundred doll ar credit line increase.

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 2022-03-19
Company: GOLDMAN SACHS BANK USA
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Marcus by Goldman Sachs took over the XXXX XXXX XXXX on XX/XX/2022. Many customers, myself included, still have no credit card and no statements. We keep getting told it's a few weeks out - it has almost been a month. It takes hours on hold to get through to their customer service. They do not list an address to mail in payments on their site not do they have a, that I have been able to find anyway to reach out to them except on XXXX. 

I am at least savvy enough to know how to get online and check my statement but what of all those with no internet access or that are not comfortable navigating their way around the web. 

Also at present we are FORCED to link our bank accounts to make a payment on their site. If they can't be trusted to get me my statements and my new card why should they be trusted with my bank information. 

This conversion has been bungled from the start with lack of response, lack of ways to contact to ask questions and lack of vital information namely our actually cards/account numbers and statements. Marcus seems unable or unwilling to do anything about it expect to continually tell us to wait a few more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
I received a letter dated XXXX XXXX From Target credit cardServices Via TD.Bank stating that they declined my application dueto me have too many recent inquires and a collection on myaccount from XXXX that I have already token care of and theydeclined my application because also to many recentinquires that when yall were supposed to remove all of thembecause most of them were fraud accounts and I really don'tthink that this is fair I have a lot that I have to go thru whenapply for stuff because of all of this please dosomething about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan servicer, formerly XXXX XXXX, now Navient, has provided false and misleading information regarding a co-signor release option for my private student loans for the University XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, CO. I have called into Navient XXXX times over the past XXXX months to inquire about their co-signor release program. Each time the representative I speak with informs me of a different set of criteria that applies to their co-signor release program. Some have stated after XXXX-year of on-time, principal and interest payments a co-signor " will '' be released, others state it is XXXX years, or XXXX months, or that the co-signor must " apply '' and there is no guarantee they will be released. The variance in information has gone so far to also state that a co-signor release program does not exist. I have requested documentation numerous times, and it either has failed to arrive via mail as indicated, or I have been told there is no documentation on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: RI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.

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 2017-03-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Privacy

Complaint:
Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. 
The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. 
I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. 
I have a matter on my account, which I ca n't address because of the hold on my account. 
I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. 
I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.

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 2016-06-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dispute department at money lion I filed XX/XX/2021 XXXX $ unauthorized charge I provided invoice showing paid in cash. The Merchant has never replied. by law merchant has 20days to respond money lion and XXXX has 45 day policy it has been over 100 days without a response you would think my bank would have customer care s priority I assure you they do not I've never experienced the withhold time frame an almost skimming like actions taking your funds an the inability to correct their systems error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an dey the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Southern Management Systems Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son used my social security number to obtain residency in his apartment. I never stayed there and he broke his lease. I already spoke with the company and they verified that I was never there, but he did use my social. The company asked that I file this issue with the FTC and obtain a police report, and then they would remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
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:
1- Delete Unauthorized credit inquiry : I contacted Experian in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that I did not authorize. Experian refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  deleted of my credit report now.

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