BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: MI
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 went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am reporting this complaint because back on XX/XX/21 i placed an order online which macys overcharged my credit card by not charging for the sale price and charged me with the original price instead. I then proceeded to call macys and ask why they charged for the original price when they online said that the items were on sale? they told me that they would adjust the price once the items were shipped. So I went ahead and waited for the items to be shipped hoping that they would adjust the price, to my shocking surprise they did NOT ONLY NOT ADJUST THE PRICE TO THE SALE PRICE BUT I NEVER RECEIVED ANY OF THE ITEMS THEY CHARGED ME FULL PRICE FOR. I THEN TRIED TO CALL THEM AND ASK THEM TO REFUND THE MONEY THEY CHARGED MY CREDIT CARD. HOWEVER, THEY DID NOT REFUND THE ACCOUNT AND KEPT CALLING ASKINGME TO PAY FOR THE ITEMS I NEVER RECIEVED. THIS IS THE REASON I AM FILING THIS COMPLAINT. I RECENTLY RECEIVED ANOTHER LETTER IN WHICH THEYRE THREATING ME TO CONTINUE TO ADD INTEREST CHARGES AND ALSO REPORT ME TO THE CREDIT COMPANIES AND SELL THIS ACOUNT TO COLLECTIONS, AS WELL AS PERSUE LEGAL ACTIONS. PLEASE HELP ME WITH THIS UNJUST AND UNFAIR AND ILEGAL ACTIONS MACYS WANTS TO PERSUE AGAINST ME. THANK YOU.

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 2021-09-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MBA LAW XXXX XXXX XXXX, XXXX, TX XXXX Has been sending me collection notice in the amount of {$1300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Rewards

Complaint:
My husband and I applied for the USBank Visa FlexPerks card under the XXXX promotion this past XX/XX/XXXX but have been denied the incentive FlexPerks points. We applied online on XX/XX/XXXX after having previously ( within a couple of days, if not even the day of our application ) talked on the phone with a cardmember service/customer representative who informed us, after our explicit inquiry, that we were definitely eligible for the promotion. After not receiving the points, we inquired as to why. The response from USBank was that we did not apply using a particular promotion link. When we on the phone with the USBank representative, we were not directed to use such a link. Even so, we did click through the dedicated promotional page, if not the promotional link, to find and fill out the credit card application. 
USBank 's argument was that the company often has multiple promotions running at once and that they would not be able to say for sure that we applied under the XXXX promotion. However, we applied during the designated timeframe for the XXXX promotion and have a call on record indicating our intent to apply for that card. After requesting that cardmember services pull the call we placed prior to our application, the cardmember service manager refused to take action by reviewing the call because it " was n't associated with the particular credit card account. '' It 's upsetting that they will not pull the call, which will clearly indicate that we intended to apply for this specific promotion ( and that we subsequently did apply for the card through which the promotion was offered ) even though my husband and I have two other cards with the bank, and my husband has been a USBank customer for some-20 years and, as such, our call would be accessible, if only associated with a different card or the account more generally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to CONVERGENT HEALTHCARE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 I have input in this report are not my accounts. Please remove them immediately. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Fulton Friedman & Gullace LLP
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Nothing has happened yet, but I have 42,000 dollars in private student loan debt. The problem is my social security XXXX check is not enough to pay back the loan. My house note is {$580.00} and my repayment of private loans would be about $ XXXXXXXXa month. My XXXX check is {$XXXX} a month. Other than XXXX, is there any way to solve this problem. I will go into repayment in XXXX 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loaned of {$3000.00} on XXXX 2014, My balance never goes down I am late with my payment sometimes. All the payments its goes only in the interest because of being late and charged me XXXX a day. I almost paid about XXXX or more but my balance still {$2800.00}. If i do not pay on time my payment will only go on interest.. This is too much interest. The company is Consumer porfolio services of california. Its located at XXXX california. My name is XXXX XXXX XXXX, MY PHONE XXXX MY ACCOUNT NUMBER IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: CA
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 XXXX I sent letters to the credit bureau regarding inaccurate and unknown infomation on my personal credit report to this day it has been over 120 days later, I still have not received a response yet. unfortunately at this point I feel like I'm being taking advantage of and my disputes are being disregarded of its urgent request. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediateltly remove those items from my credit report, it has been well over 120 days so they should be deleted and removed promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the hardship you as well as this information has caused me. My information was also impacted by over 33 data breaches. I have attached proof of the data breaches on XXXX XXXX and XXXX XXXX My personal information was also impacted MULTIPLE times through the dark web. The list also includes the Equifax data breach, FEMA data breach, XXXX XXXX data breach and multiple other MAJOR DATA BREACHES and may have got into the hands of the wrong person. I have attached My Police Report Number. I have also attached my FTC report number XXXX this report includes all the inaccurate and unknown information accounts that has been reported to my credit, Please remove the inaccurate accounts I have attached so that I can take control of my personal credit with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After making written requests to the creditor known as Consumer Portfolio Services ( CPS ) to cease and desist their continued harassing telephone calls, I received yet another call from the representative named XXXX XXXX. She does n't seem to get it - cease and desist means DO NOT CALL. I reported the incident last Thursday and was assured the calls will cease, and then she calls again today. I will file suit under the FDCPA because nothing else seems to work. When I prevail, they can issue me a lien release immediately and cancel the debt, sending me a XXXX balance statement along with my title, since they do n't want to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking acct. # XXXX with Citibank and mailed them a check in the amt. of {$15000.00} which they received on XXXX/XXXX/16 They were supposed to credit {$400.00} to my account within 90 days So far they have not given me a XXXX even though 3 customer service employees have confirmed that I have met all the requirements to receive {$400.00} bonus. 
They keep telling me that they are doing investigation as to why their computers did not issue credit. 
Citibank can do all the investigation after they credit my account. It is not my problem that their system XXXX up. As a customer I really do not care how they program their computers and why they do n't work. 
Please help. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX P.S. - If you want to publish this complaint, please remove my name, phone # and Acct. # Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to WELLS FARGO BANK. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2020-04-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Midland Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX ) purchased my debt from Atlantic Credit in XXXXXXXX XXXX. I had an agreement to pay biweekly payments every 2 weeks for XXXX ( via automatic withdrawal from my checking account ) and had been making payments as agreed upon for over 14 months. 
Midland Credit sent me notice at my home that the debt had been purchased and that payments would continue to be withdrawn on a biweekly bases. 
They however sent notice to my employer as well notifying my employer of my debt. 
The Office manager received the correspondence from Midland and stated that they do not want to be responsible for garnishment of wages. The Office Manager at my work is now recommending that I be let go over this. 

On XX/XX/2020 I called Midland Credit and my call was transferred from one person to the next with no one acknowledging that they had even sent the notice of the debt to my employer. When asked to speak to a Supervisor there was no one available during routine business hours or in a Customer Service Role. When transferring my call they wanted me to pay the full amount of the debt on the spot and not address any of the issues that I called about. I notified Midland Credit that they are not to contact me at my employer since their actions may be the cause for my termination. 
These type of practices clearly step over the line of reasonable. If I had not been making payments on a regular basis, had defaulted on the original agreement then further action by a debt collector may be warranted, but this was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 wrote a letter to all the CRA 's : XXXX, XXXX, and Transunion on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.

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 2017-11-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MI
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: SLM CORPORATION
State: AE
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:
I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation