BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, I received a mail from a debt collecting agency " Linebarger Goggan Blair & Sampson , LLP " ( LGBS ) stating that I owe them a debt of {$150.00} from XXXX XXXX ( XXXX ). After investigating, I realized that it was a toll charging company. I was skeptical about {$150.00} for a toll. After confirming that I had paid my toll bills, I called LGBS call center stating that I never received a bill from XXXX, and I 'd like some proof that this was n't a scam. After a harassing conversation, the LGBS representative stated that they ca n't give me any info on behalf of XXXX, but said that debt was real and had to be paid. She said if I needed any more info, other than the split for the amount, LGBS was n't the agency responsible to give. So, I called XXXX thereafter. After a polite conversation with the customer representative, I told them that all my toll bills were paid in full. However, XXXX representative insisted that they had sent me four separate mails. Since I had requested for paperless bills, I informed them that this had to be a mistake. The XXXX representative later confirmed my charges and informed that since I had changed my vehicle registration ( Moving from XXXX to XXXX ), a new account had been created, and the bill was automatically sent to the residence due to the lack of email id. Being an international student, and visiting home country for months, I do lose mail. So, with the XXXX representative 's help, I tracked the mail from the post office and confirmed that it was indeed my toll bill dating back to XXXX XXXX. There were XXXX toll charges each with regular toll fee, process fee, late fee and mailing fee totaling to {$35.00} sent on XXXX/XXXX/XXXX due on XXXX/XXXX/XXXX. I informed the XXXX representative that this is only one fourth of the amount I am being asked to pay. She informed that she has no control over the amount once it goes to the collection agency. 
I called back LGBS and informed them how can the fee be so high. As before the representative was very rude, and informed me that this is the fee and I have to pay it. I asked the representative the procedure to obtain a split for the fee. I asked her if I delay my payments any further would they charge me additional fee. The representative stated and I quote- " How would I know. If XXXX asks more, you pay more, if they say the same you pay the same. I am not responsible for your payment, I am here to collect it. '' I paid the full amount and am faxing a request to provide me a copy of the charges. I also reviewed online that I am not the only one harassed by LGBS. XXXX and LGBS together have done this to several people. A simple google search provides examples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-06-11
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: Their investigation did not fix an error on your report

Complaint:
I disputed with the 3 major credit bureaus about my 2 old accounts with XXXX XXXX on XX/XX/XXXX and received my results from Equifax as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with XXXX XXXX on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. Equifax stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I let wells fargo know about the fraudulent charges today. 

i initiated an investigation with them, ive tried getting in contact with XXXX as well through their support number but no luck. 

Multiple Fraudulent transactions on my debit card going ti XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.

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 2019-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my credit card on XX/XX/2019 the payment due on XX/XX/2019 I paid this card off in full than I get a notice on XX/XX/2019 that I owe XXXX interest I called on XX/XX/2019 to get this fixed they refused to fix this matter, I paid them all that was owed on this account on XX/XX/2019. This is Capital one bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased goods from The XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$970.00} on XX/XX/2021. Not all of the goods were delivered. The merchant is nonresponsive, the company is in bad standing with the Kentucky Secretary of State, and XXXX reports that the business is permanently closed. Accordingly, I assume there is no valid and collectible warranty on the portion of the goods I did receive, and I am requesting a chargeback of the entire amount of {$970.00}. Citi has refused to process the chargeback and displays an error when I try to initiate one. Please see attached 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 monetary relief
Consumer complaint received 2017-03-02
Company: SYNCHRONY FINANCIAL
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Synchrony Bank. I got a credit card for XXXX XXXX, for a mattress, and I got a card for rings at XXXX. Synchrony set the minimum payment for mattress at {$25.00} per month. I paid diligently on BOTH in excess of minimum and well before deadline. 
Still, Synchrony 's shell game is to tell various lies in order to build in permanently their BOGUS LATE FEES. They are intractable. 
I ca n't remedy their scam, and would end up paying thousands! I need fraud prevention help. I stopped paying until settled. 
Please intervene! 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 2021-12-31
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Credit limit wont be increased. Credit limit was actually decreased in 2019. Limit went from {$2500.00} to {$300.00} with a random credit pull and lack of utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSWORLD SYSTEMS INC
State: MN
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 agency has put a fraudulent claim on my credit report in XXXX. 
XXXX XXXX on XXXX XXXX in the amount of {$250.00}. 

I informed this company that the debt that they claim is mine is not actually mine. I requested for a debt validation with some form or copy of a contract bearing my signature or ID copy in XXXX of XXXX I have yet to received said document and will never because it does not exist. 

I received a letter stating that this paper serves as a debt validation, however that is not the law. 

It is not my responsibility to prove that a debt is not mine. It is TRANSWORLD SYSTEMS ( XXXX XXXX ) responsibility to validate the debt with a form bearing my signature or ID copy and you Have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: First Technology Federal Credit Union
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I filled an application to extend the limit on my credit card. It has to be noted that this is something employees at FirstTech XXXX campus suggested a few years ago. FirstTech considered me a more desirable customer then but now. On XX/XX/XXXX I received a denial notice from FirstTech without any specifics but " Incomplete Application ''. The application was complete and consisted in the form provided by FirstTech. This is the second time this year FirstTech is denying me a loan without clear explanation ( I applied for Mortgage which I ended up getting from another institution due to the reluctance of FirstTech making it too difficult ). I have been with FirstTech since 2012 and I have outstanding records with them ( as well as all financial institutions I am in business with ). I have maintained very good credit score over the years. Given my outstanding records I can not explain how FirstTech can legitimately and legally deny my application.

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 2021-12-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.

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 2022-05-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2016-11-28
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt over and over again for the past XXXX years because the credit agency ruins my credit when I do n't. This is criminal! I have ALREADY PAID THIS DEBT XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: NV
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 off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off my report

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 2017-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian reflects way too many hard inquiries, some are nefarious in nature. I have froze my account and advised them that someone has my Soc Sec and other info. Below is inquiries i did not solicit, and they sure did not show up on their own. Someone is looking to get credit in my name, and also affecting my credit. See below.. 

XXXX XXXXd Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX, inc Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX+ Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/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 2016-05-27
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My complaint is that it required XXXX emails/phone calls to Navient to identify, correct, and prevent suspicious/fraudulent/illegal activity to my account. Below is the detail : On XXXX/XXXX/16, I called Navient to make a payment to my account on past due amounts for XXXX 2016, XXXX 2016 and XXXX 2016. The Navient rep received my payment and stated that this payment had made my account current. At the time, I also asked about options for an IBR plan since I started having financial difficulties in XXXX 2016. The Navient rep informed me of some options, and I asked if I could request a future forbearance to give me time to research. He agreed. After the call, I started researching IBR plans. When I logged into my Navient account a few weeks later, I saw activity on the account that was suspicious and confusing. I called and emailed Navient four times after I discovered the suspicious/confusing activity to request clarification and ask Navient to research their records to confirm whether or not the Navient rep I spoke with on XXXX/XXXX/16 had correctly processed my request. In response to each of these emails and phone calls, Navient provided me with incomplete and inaccurate information about my account. On a fifth attempt, on XXXX/XXXX/16, I spoke with a rep named XXXX who was finally able to ( 1 ) provide me with correct information about my account, ( 2 ) identify the Navient error that created all the suspicious and confusing activity to my account, and ( 3 ) place an internal request to correct the Navient error that incorrectly caused {$780.00} of interest to post-actively capitalize on my account on XXXX/XXXX/16 as a result of the XXXX/XXXX/16 phone call. She also identified and removed other suspicious activity that would cause more interest to incorrectly capitalize on my account on XXXX/XXXX/16. Had it not been for XXXX, I would not have had a resolution and Navient would have gotten away with fraudulently and illegally capitalizing interest to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: AMERICAN EXPRESS COMPANY
State: WV
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:
American Express has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my XXXX credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.

Company response to consumer: Closed with non-monetary relief