BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: Veterans Relief Services LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We are receiving multiple calls daily from " Veterans Relief Services '' on phone number XXXX XXXX XXXX XXXX which are being placed by some kind of robocall dialing. They claim to be a non-profit organization wanting to help veterans refinance at lower rates. We informed them that we already have a low rate ( 3.25 % for a XXXX fixed rate loan ) and asked them politely not to call again. They have continued to call and are difficult to call back as their mailboxes are always full. I googled their website and the phone number the parent organization is listing online belongs to another unrelated business not affiliated in any way with Veterans Relief Services ( VRS ). They told me they are getting all kinds of calls from people who are angry because they are receiving robocalls from VRS. I suggested they file a complaint with the FCC. I am beginning to log their calls and making notes on my calls back to them and my request for them to cease calling so I can file an FCC complaint as well. I would never engage their services for a loan no matter how good the rates are because they are a nuisance and are illegally using another business ' phone number on their website. I strongly suspect that this is a phishing scam to get people 's personal and financial information. Beware!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Kohn Law Firm S.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2011 the Kohn Law Firm S.C of XXXX, WI on behalf of XXXX XXXX XXXX, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and XXXX have had complaint and action take against them in last year about how they handle debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My complaint is with Navient. In the month of XX/XX/20 I received a notice of Recertify your payment plan notice that has no money owed, document sent Navient recertify payment plan. The notice state your new monthly amount will take effect when your loans re-enter repayment. 

Navient I need to know student loans owed with original amounts dates, interest accrued and lender name. By law I am entitled to know. 

I do not owe any student loan. 

Also the {$600.00} monthly payment for 12 months amount does not represent any principal amount owed for student loans with dates and interest. The $ XXXX  monthly payment states how much Navient request only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: FL
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 Account # 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt

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 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date : 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 non-monetary relief
Consumer complaint received 2017-10-13
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:
This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

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 2022-04-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX XXXX  XXXX I called Synchrony Bank because I received a notice that I updated my personal information. There was fraud on my account and I had updated my personal information a month or so earlier. I was unable to answer the questions the customer service asked and they would not confirm my information, concerned about the previous fraud I asked them to cancel my credit card with them which they did. I never received any further communication from them. Around XX/XX/XXXX I received a notice that I had around {$3000.00} sent to collections from my canceled credit card. I was not aware I had any balance on the card, nor have I received any mailing, email or phone call concerning any debt. I called Synchrony Bank and they could not tell me what the charges were as the account was closed. I asked if they had billed me for the charges and they said they do not send out bills once an account was closed. I asked how would I pay my final amount if you don't bill and the customer service could not answer. I asked them to send me a bill with detailed charges, and they said they could not because it was in collections. I then called the collections agency, who put in a request to Synchrony Bank to send me the charges. It has been 45 days, the collection agency is calling saying Synchrony has sent me the detailed charges. I have not received any notification and have no way to re-request the charges.

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 2017-05-22
Company: JPMORGAN CHASE & CO.
State: OK
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:
I received a letter fr om Chase stating th at my credit card interest rate would be increased to 25 %. I had, had the card for several years, and I have excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
There is a fraudulent transaction on my account posted on XX/XX/2022 for XXXX XXXX XXXX CA amount of {$100.00}. I have spoke to the fraud department several times regarding the transaction. And yet, nothing has been solved and been going on for weeks. Transaction still appears on my credit card statement as of today, charging me something I did not authorize. I have considered filing a Police Report regarding this incident, labeling it as Identity Theft because this is where this case is leading up. 

This no doubt is fraud because this was something that happened without me being aware. I am frustrated and unhappy with the poor customer service I have received from Citibank regarding this incident.

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 2019-10-29
Company: AMERICAN EXPRESS COMPANY
State: WA
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 got an impostor scam. He Sent me a spoofed Email, pretending to be a senior pastor from our Church. He told me to get XXXX cards for XXXX women at our Church. He said that he cant go to stores because he is in a meeting and cant use his cell. He needs give cards immediately and give him cords on the back of the cards. He told me to scratch on the back of the cards to get those cords. He told me to save the actual gift cards. I did all that he told me to do, believing that it is our senior pastor. I gave {$1200.00} worth of XXXX cards cords. At the end of the day, I received another email from a scammer to get {$300.00} more. I found out that it was not our pastor after giving him a phone call. I immediately contacted to my credit card company to ask for help. They have set a dispute. But they told me that I may not be able to get my money back even though they have set a dispute because I actually went to the stores to get those cards and a scammer already got the card cords. 
I asked them to submit a claim to fraud department, but they told me that my case doesnt fit to the regulation, so I couldnt. Basically I have been told that I have to give up and pay. 
I have saved all the Emails from a scammer and ready to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX I was told I have debt from 2014 for XXXX when I contacted XXXX they advised it was from missions trails they also said the debt was only in the XXXX when I contacted the debt collection and ask why they are trying to collect more, the rep insinuated it 's due to the debt was sold to a collector as if there is a charge for it. I knew they buy the dept for sometimes pennies on the dollar so I advised I contact them back on that debt. They have other debts from over XXXX yrs ago they keep trying to collect and I keep telling them I 'm not aware of and I 'm not able to verify with the original creditor so I do n't believe they are mine and will not be paying them. Then they sent me two letters showing the incorrect amounts from the one hospital that actually had a true debt I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: DC
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:
Dear XXXX, Experian, XXXX, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2020-04-06
Company: BARCLAYS BANK DELAWARE
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 paid off my card XX/XX/2020 and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.

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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Recently I paid off my credit card account with Bank of America but somehow they drafted my XXXX XXXX account twice for {$11000.00} ( my final payment ). 
I noticed a credit for {$11000.00}. on my Bank of America credit card statement. I called customer service around XX/XX/XXXX and requested the statement to be refunded. I was told that the amount would be refunded to my XXXX XXXX checking account within 7-10 business days. 
On XX/XX/XXXX I noticed that the {$11000.00} credit was no longer showing in my Bank of America account but it still was not returned to my XXXX XXXX checking account. 
I opened an inquiry online to find out where the money is. I have called customer service more than 7 times ( waiting on hold for hours ) but Im not getting an answer. Every time I call Im told they will open an inquiry and have an answer in 7-10 business days. This has been going on for 37+ days now with no resolution. I also received a letter from B of A saying that they researched the incident and the money was returned. However I can provide bank statements to show the money was never returned to me. Please help. I really need this money. 

I have called customer service multiple times. I have also emailed their Executives ( XXXX XXXX, XXXX XXXX, And XXXX XXXX with no response.

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 2022-04-15
Company: EQUIFAX, INC.
State: IL
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 reviewed my credit report and found that unverified bankruptcies are being reported. It is against the law to furnish any information that is not verified. The us bankruptcy court as the furnisher must be contacted to verify this information. They have sent to me in writing that they do not validate or verify any bankruptcy information to the credit reporting agencies. You are breaking the law by continuing to furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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 XXXX ending in # 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 a account without my written instructions 15 U.S.C 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX ending in # 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 a account without my written instructions 15 U.S.C 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 non-monetary relief