BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-06-28
Company: The Cadle Company
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have recieved two ( 2 ) meritless, fraudulent letters from XXXX, in which they claim they will file suit for an alleged debt. I started doing research on them, and I have found that they do follow through with the suit, however the suit is pretty much meritless, but nonetheless the defendants end up with a default judgment due to the inability of defendants to find counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since XX/XX/XXXX I got a. {$3000.00} dollar loan from going to a business college I had been exepted but? I had no business being there because I was a dropout freshman from high school and had no idea what in the world I was doing at all? So, I dont know why for all these years I've had my income federal income taxes taken from and nobody knows nothing about the money??? The IRS says they dont know and the borrower says they dont know and on top of that I was making payments on the loan throughout the years and no sign of payments havve ever been shown to me??? Its been take, take, take and the interest obviously just keeps growing and always just owe more and more!!! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2021, I made an inquiry into the monthly payment for taking out an affirm loan to purchase a plane ticket from XXXX FL to XXXX GA. When I saw the the monthly amount I decided to purchase the ticket outright. Affirm continued on with the loan despite me purchasing the ticket on my own. They've been harrassinf me despite me providing them proof that i purchased my own ticket ; everyday by calling me non stop. Sometimes its upwards of about 9 -10 calls a day! I'm beyond frustrated and want this terrible loan company to just GO AWAY! AT the time of the so-called " loan '' I had more than XXXX in the bank and as of today could easily pay this off but i REFUSE to let them get away with internet theft! 

I demand they investigate and they keep giving me exscuses! The first exscuse was my dispute window closed because i didn't open the case within 60 days. I prooved them wrong. THen they just went round and round trying to dodge the evidence that i purchased trhe ticket in full with my own cash verifiable with bank statements. 

Please be advised that the XXXX XXXX ticket number is in the confirmation on my bank statement. THey are also aware of this too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and this information has not been suppressed or removed from my credit report. My disputes have been ignored by Equifax for the past two years with no letters of acknowledgement, reporting inaccurate information, out of date information and so on. They are the only credit bureau that has not completed a dispute request or proper investigation whereas inaccurate information and Identity theft accounts have been removed from XXXX and XXXX for years. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove disputed information. Since it has been over two years disputing the same inaccurate information I demand these accounts be removed expeditiously or i'll be forced to file litigation due to the unsurmountable stress and disruption this injustice has caused me. My information was also impacted by the Equifax data breach and i'm sure it has gotten in the wrong hands due to this ongoing issue with someone using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Millco Management
State: FL
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 filled a request to validate debt to Amerfinancial solutions certified mail. Amerifinancial did not respond in the 30 day period. Also they never responded. The debt amount is XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
False addresses: XXXX XXXX XXXX XXXX XXXX,ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX,ca XXXX 

Inaccurate employer delete please!!! It says 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 non-monetary relief
Consumer complaint received 2017-05-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On  XXXX    differtent ocassions the bank mngr.  XXXX   XXXX  acted in avery unprofessional manner and tried, without my permission to have me talk to his investmenet person.Then when I filed a complaint against him I got a rude and threatening call from his supervisor,  XXXX   XXXX  threatening to close my account at once and to mail me back my money.

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 2016-06-01
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An attempt to obtain a XXXX XXXX ' Master Card in my name was made with Citi Bank . They notified me via phone on XX/XX/2020 and gave me the application number, which was denied. 
My personal information was used in the application, but the email for response was to an address ending in 'XXXX. ' along with a request to send {$5000.00} to an address in Florida. 
I have notified XXXX and requested a 1-year fraud alert. 

This may be related to any of several data base breaches that I have been notified of in recent years.

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 2016-08-09
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Applied for a mortgage with JP Morgan Chase in CT. We were diligent in providing all required documentation timely and by or before deadline dates. Followed up regularly on progress and were told we would be issued our commitment letter early ( Due date for commitment was XXXX/XXXX/16 ). Were told that an XXXX/XXXX/16 closing was fine so we set up our closing with attorney. On XXXX/XXXX/16, after continued follow up re : commitment letter, we were told we would not receive letter on time because mortgage company was " swamped ''. We called and complained to a manager and we received our mortgage commitment as promised on XXXX/XXXX/16. On XXXX/XXXX/16 ( Today ) ( 3 days before our scheduled closing ), we were told we could not close as scheduled because of staffing issues at Chase. Chase can not tell us when they will be able to have our loan documents prepared and be ready for our closing. We have to be out of our current house by XXXX/XXXX/16 as we have sold the house and buyer can not move in any later due to a divorce situation. We also have new furniture deliveries and appointments for service hook ups etc scheduled that all now have to be re-scheduled. Chase has no concern at all as to the inconvenience this has caused one of their " private clients '' and what the possible financial impact may be on us if we are forced to move our home goods into storage and find short-term living arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called American Express so that I would be able to realize a question that I had. I had previously called and I did n't have any problems and all of the representatives were lovely and understanding. I called again because I had previously called and spoken to a supervisor who had given me some bonus miles in my gold delta card and he told me to call back today and ask for a rep so that I could get my intro offer expedited. I first spoke to a great rep that was understanding or my situation. He later transferred me to a horrid customer service supervisor that had no customer service skills at all. She started off by saying hello, but in a very dry way and she did n't seem to concerned about me or my problems. She almost right away instead of saying anything else said " I will be taking back all of the miles given to you ''. I did n't do anything wrong and I 've been with Amex for over 22 years and she made me consider cancelling all of my cards. I never lost my cool and she was still being very rude to me and dry and cutting me off even after I explained my problem and what was happening. In the end I was almost in tears because she did n't understand anything I said even though I had repeated myself many times. She did n't even say that she was sorry due to the circumstances and when the call was done all she said was " I will be talking the miles back ok '' even though I was still trying to convince her otherwise and trying to explain my situation and what she was doing to me. She then hung up and did n't even with me a good day or anything of the sort. The customer service supervisor 's name was XXXX. I am trying to send me son to New York for a XXXX in the summer and the tuition was over {$3000.00} and I also had to buy the ticket. The previous rep supervisor had given me extra miles to help me out and I had completed to pay my flight with miles and my son thought that he was surely going and everything was set, and so did I! I am now stressing over what I will need to do in order to be able to send him since he really wants to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 TRIED LOGGING INTO ONLINE BANKING AT PNC COULD NOT GET ON. TRIED CALLING PNC BANK CUSTOMER SERVICE WAS ON HOLD THEN KEPT CUT OFF .CALLED BACK CAUSE DISCONNECTED 5X. FINALLY CALLED A BRANCH WAS TOLD THAT SINCE WE WERE OVERDRAWN FOR {$.00} FOR A PERIOD OF TIME THEY CLOSED OUR ACCOUNT WITHOUT GIVING US ANY NOTICE. ASKED FOR CORPORATE PHONE NUMBER WAS TOLD NOT AVAILABLE. GOOGLED FOR CORP NUMBER AND IT WAS DISCONNECTED. SINCE IT WAS CLOSED AND PURGED THEY SAID THEY CAN NOT REOPEN ACCOUNT, SO I CAN NOT GET IN TO DOWNLOAD FILES FOR TAXES AND ALL SAVED INFORMATION. I ALREADY HAVE THIS IN ESCALLATION WITH THEM WAITING FOR A CALL BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for an American Express Delta Skymiles Credit Card in XXXX 2016. I have screenshots from XXXX and the application showing that the offer was for XXXX miles however I am being told it was only for XXXX miles. I have clear evidence showing that the website said XXXX miles. I complained to Amex and it took 5 weeks for them to say they would not credit me the extra XXXX miles as promised. They claim the offer said XXXX and that is that. They consider the matter closed, however I believe there is malpractice here in advertising because the website clearly shows XXXX miles when you spend first {$1000.00}. Even when I showed them evidence of this they said no. They claim my offer said XXXX miles but the screenshot shows I was logged in under my skymiles profile and it clearly says my name in the web page and an offer of XXXX miles. I tried to reach out to their executive office to no avail. I am very dissatisfied with the level of service and misleading credit card application. I feel like I have been deceived and that I was tricked into opening a credit card and am not receiving the full benefits promised on XXXX. I complained to the XXXX and American Express now says they will no longer respond to my complaint since the " issue is resolved '' however it is not resolved at all. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Late fee

Complaint:
I had a check that was mailed and it did not get credited to my account until a month and 7 days after I mailed it. I assumed it got lost in the mail. I mailed them a XXXX check and when it cleared the bank, XXXX checks cleared the bank the same day. I contacted the credit card company and they credited interest back. I paid in full each time. The next month, they charged me interest again. I called and they credited interest back. The next statement, I mailed 7 days before it was due. It did n't arrive until 8 days after I mailed. They charged me interest and a late fee. I called and they would not credit back my late fee, because they said I had achieved too many courtesy credits. I cancelled XXXX credit cards I had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the problem is with equifax but eqifax continually has stated tthis investigation will take longer due to them having to send letters to my creditors to find out info. this is betwern equifax amd myself so why they try using creditors as the problem really has me concerned especially since this is 3rd complaint ive had to file due to there response being aimed at contacting my creditors when its equifax who cant provide me with my credit report or explain why they have no record of my history and when Ive applied for a car loan the dealership denied my credit on the grounds that equifax sends a blank report and Ive contacted them on 3 different occasions to fix this issue and still the cant seem to grasp the fact that there the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple calls a day by this company and they are trying to collect a debt that is not real. XXXX cancelled our services without notifying us and expect us to pay for a service that we did not receive. They have provided no proof of debt and keep calling me EVERYDAY and sending letters in the mail.

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 2017-10-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the XXXX XXXX account to be removed from my account.

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