BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Customer care persons are refusing to provide me a separate itemized billing statements for the pay over time balances and fees interest charges which they are denying my rights to that information as which those charges was applied to my regular monthly charges. I ask on several occasions to review a separate itemized pay overtime and pay overtime direct balances fees and interest charges they refuse to provide me this information, because the numbers are not adding up. On today to my amazement I did get a return call from a supervisor stated her name was XXXX she also refused to provide me with the above information and refused to entertain another inquiry which only 2 dispute was done and she stated the reason why another inquiry wont be done is because 3 been disputed, which is not true only 2 was disputed and before I could respond the disputed inquiry was closed  out both times. Therefore I was not given a chance to be heard. XXXX still refusing to take my inquiry and dispute, she stated to me didnt XXXX tell you we was not going to do another inquiry? And she is teaming with XXXX the same information that she stated to me, No inquiry!! The minimum payment is due today which most of that bill payment is pay over time fees and interest charges all which Im disputing. Also she stated that they only report late payment to the credit bureau if a person is 60 days late, that is not true because they reported me 30 days late back in XX/XX/2020 to the credit bureau and I was not 30 days late at all, even though they corrected the error but did not change it with the credit bureau causing my credit score to dropped 21 points, and they refusing to change and correct the error with the credit bureau. CFPB please report this to the compliance/ complaint department to XXXX XXXX XXXX Vice Chairman. Email address is XXXX, I was given this information from the secretary at XXXX Head Quarter office the telephone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.

Company response to consumer: Closed
Consumer complaint received 2022-01-26
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
received a bill XX/XX/XXXX stating i owed {$500.00} dollars, no explanation of charges or what services were rendered or who originated them, i sent a couple of notes back to this person asking what the charges were for, no answer, finally i wrote on the bill if i didn't receive any information what the {$500.00} was for i would consider it a fraudulent bill, or more likely a scam, and don't send any more bills, they kept coming no explanation of what the charges were for, later received a communications from a collection agency sayin i now owed them {$500.00} no explanation of what the charges were for or who originated them, collection company was " express recovery services '' i then wrote them back stating i considered ti to be an invalid bill but would would be happy to pay the {$500.00} if they provided me the following information,, an itemized bill including the following : -service or merchandise that was provided -exact procedure that was performed -who performed the procedure -location of procedure -date and time of the procedure -reason for procedure i received no information whatsoever concerning this request later I received a letter from a so call attorney stating he was representing express recovery services, i again asked for the above information and received nothing. Concerning what the charges were for, enclosed with a second letter was a partial statement from some one unidentified showing i had paid them {$500.00} plus my insurance had paid them {$620.00} on the front of this statement they had written in paid {$400.00} in addition to that already paid, but nowhere was there any reference to me owing them {$500.00} i finally figured out who the originator of the debt was " XXXX XXXX XXXX '' where i had XXXX XXXX done in XXXX of XXXX, but i had never received a bill from them and verified everything had been paid, shortly there after i got a summons from the court i was being sued for the {$500.00} plus some additional charges the lawyer had arbitrarily added, i still was not told what the charges were for, i Don't know why they wouldn't explain the charges but i suspect they didn't know possibly because there was no record. 

i did pay the {$500.00} plus another {$120.00} for whatever because i was afraid of having a judgment against me, this has now effected my credit score. i didn't even know they were reporting this to them, i feel this whole thing has at best been a misunderstanding but more likely a way to use intimidation to get me to pay, as an XXXX XXXX XXXX i feel this is an attempt at elder abuse and should be treated as such i can provide added documentation if required

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
remove inaccurate infomation violates my rights ....

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 2020-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company continually fails to address the reason for my complaints with them. 
Upon filing my first complaint against PennyMac, XXXX quickly called to address. She overly apologized on behalf of the company, implied suggestions of sweeping changes, however nothing was followed up. She simply is there to defer the situation and sweep their failures under the rug. In the process of an open application, should it take 6 attempts to reach someone??? Why will XXXX not acknowledge or address this??? She has listened to all calls and reviewed all emails. Is it negligent to have passed not properly reviewed my financials and double counting a mortgage and auto payment. XXXX calls this a " Complex '' review? She stressed it as she used " Complex '' twice to explain how the PennyMac team works. Why is it that the first negligent loan officer finds my debt to income to be 77 %, after a week of trying to reach someone to understand what they were reviewing, another finds 55 % ( see my retaliation Complaint against PennyMac ), but all others find it to be 35 %??? 
XXXX 's only position is to defer the situation and pretend she is to make changes in the company. It appears that she has no control of this and didn't even know if the initial loan officer still worked there. Doubt he was reprimanded even.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-01-26
Company: Experian Information Solutions Inc.
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:
I have sent Experian Multiple documents that they requested i needed to send them that were related to identity theft. I did everything that was asked to submit and they have not addressed the problem and haven't removed the account. they give me responses that doesn't pertain to identity theft. I dont know what else to do. this is causing harm, frustration. 
Please delete the fraud accounts immediately 1.XXXX XXXXXXXX 2.XXXX XXXXXXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX 4.XXXX  and this fraudulent inquiry 1. XXXX XXXX  XXXX XXXX XX/XX/2021 I never gave XXXX XXXX XXXX XXXX  to look at my personal information.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I opened a dispute with Transunion about an account that has been paid in full and it is no longer a debt under my account. I sent Transunion a creditor letter with all phone numbers and contact information of the account in dispute, showing that the account has been satisfied and paid. 
A week later, XX/XX/2022, Transunion sent me an email saying that the " Dispute '' was resolved. and Verified as Accurate. Transunion left the account showing a debt as I have never paid it. They said that they Verified it as Accurate, and that is a lie, due to the fact that the creditor offered a Paid Off Letter and still did not update my account and TRANSUNION lied about it saying that they verified it as accurate. 

I want this information to be deleted from my account, per FCRA, and Transunion furnishing False information affecting my consumer report showing inaccurate information on it. I am attaching letters of creditors and also the letter from Transunion lying about verifying the account as accurate.

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 2020-01-07
Company: Alorica Inc.
State: SC
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ZWICKER & ASSOCIATES
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the Claimant and Zwicker & Associates are the Respondent.  XXXX , clearly states the Respondent did not pay. Per  XXXX  ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment.       XXXX   Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

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 2015-05-22
Company: Stuart-Lippman and Associates, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX in XXXX, XXXX intentionally denying my Error & Omission Certificate at the time of going into contract with them. Three day after signing a partial contract with this company, I returned to the office to void the contract due to the rediculous demands on the forms and also the manager XXXX who was about to hire me was terminating the agency and their management system and therefore, I quit with him. So, I was advised to submit my resignation letter to them by XXXX XXXX XXXX and I did that within in a month in XXXX 2013 and also submitted only XXXX policy to the management and left the office. Note, my E & O certificate was already submitted at time of employment application and also gave copy to XXXX administrator manager. Now, six months later XXXX agency in XXXX sent me to collection and asking for a debt amount of {$920.00} for E & O charges I did not pay to the agency simply because I sold XXXX policy and made commission and they also made money on the policy too. But they do n't want to honor my E & O certificate. I tried reached out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and General Mgr XXXX XXXX by emails and even office visit to resolve this issue. They did not even look at my face and my credit report is been abuse by these agencies. All attempts did n't work out and I feel that they are discriminating against me. I tried XXXX XXXX collection agent in XXXX to resolve the issue. The manager XXXX XXXX XXXX refused and said, my E & O coverage requirement should be {>= $1,000,000} liability coverage and therefore they wo n't accept mine. So I requested them to send me a copies of E & O which XXXX agency paid in my absence of terminating their contract. It took the collection agency about three months to provide me copies. When I received those copies and reviewed it, I found out that they even have cheap liability coverage compare to what I have originally. So I asked XXXX and his representative XXXX XXXX ; why XXXX lied to me that they need XXXX liability coverage? Whereby XXXX coverage did n't come close to what I have, Why XXXX refused to honor my better E & O certificate and asking me to pay something they did not bring to my attention before when I was in the office? XXXX replied he was sent to collect a debt. Then I answered him so you were sent to lie to collect debt if so then I think we have to go court for the judge to rule this. He responded I can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not give written permission to any of the following company run my credit XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please refer to previous complaint # XXXX with Capital Accounts, in which they agreed they could not validate the debt from the original Creditor, and closed out the account. On XX/XX/2020, they simply opened up a new account, and state that I now owe {$9000.00} to the same creditor ( although it is phrased slightly different XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Just as before, they will not be able to validate this debt, and although I will be forced to submit another dispute in which they will most likely ignore once again, they will undoubtedly submit the collections to all three credit agencies ( once again XXXX, and I will be once again dragged through an extremely painful and draining process. I can't begin to express the damage this has done to our family, both emotionally and fiscally, and we now seek resolution above and beyond a simple cancellation letter. We now wish to sue Capital Accounts for their unethical behavior and damages done to our personal well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm currently XXXX XXXX, so I wasn't able to get in touch with them to make a payment. So my bill was overdue 30 days and Macys then lowered my credit line. This forced my credit score to go down 60 points.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Data Breach of my personal information as dated XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Trans Union several times making them aware that there was an increase that I did not authorize no apply for credit with these companies I've also sent a letter to the Creditor, both credit bureau and creditor refuse to act on it and they told me that the information was accurate that they would not be willing to remove it XXXX XXXX XXXX XXXXXXXX XXXX I also have a identity theft report that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation