BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: DISCOVER BANK
State: PA
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:
I was supposed to be refunded secure credit card balance in XX/XX/2020 due to they didn't get to my Taxes statement sent before expiration date. I was told they will refund the remainder of my balance to my previous address in XXXX, pa. In XX/XX/2020 I called to check status and let them know we received no check and we were moving. I updated my address and supposedly Discover Credit card told me the check was sent but never received. XXXX more times this happened in which agreement was struck with Discover credit card and myself that I will be issued an expedited service and an electronic transfer in the sum of the remainder of balance of {$480.00} I was due to receive it by XXXX of XXXX in which again nothing. I'm rudeuced to recording our phone calls because no one at the company are making appropriate notes, following their own policy of 2 cycle and ten day return, and at this point the whole situation is getting utterly rediculous with conversations began to get aggressive and threatening with them. Phone calls are recorded from both parties both them and me and I need your help. I'm followed procedure with both you and the attorney general to have this matter investigated because I have no help in this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2016-02-05
Company: Vantage Sourcing, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I worked out a partial resolution to an outstanding bill for XX/XX/XXXX and XX/XX/XXXX that XXXX XXXX claims I owe. I disputed the debt yet XXXX forwarded the debt to Vantage Sourcing ( a debt collector ). XXXX referred the full balance that was due for XX/XX/XXXX despite the fact I paid for the services provided during that month. In fact, XXXX agreed I was entitled to a partial refund. XXXX also sent the entire XX/XX/XXXX payment to collection when they did not provide cellular service to me during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2019-12-17
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt with Progressive management Systems and was sent a letter showing that they would remove this collections from my XXXX credit report. They have still not removed it. This impacting my credit score greatly and my ability to live my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery were notified that the XXXXl XXXX balance was included in Bankruptcy-They returned it back showing the Bankruptcy was DIMISSED and not DISCHARGED the DISCHARGED LETTER was mailed and faxed two times to them and they refused to take off my credit report? I even sent the letter showing that bankruptcy court does not update the system showing discharged from dismissed and do not give out my personal information to third party.. They are in Violation of the Fair Debt Collection Practices the Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

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 2020-06-15
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I received a notification that XXXX & XXXX XXXX XXXX XXXX was a new account on my consumer credit report. 

These accounts were previously deleted back in XXXX and I did not receive a notice from TransUnion nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me as established from my disputue in XXXX which resulted in them being deleted. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) I am also very dis-satisfied with the way my consumer report disputes for XXXX XXXX XXXX. They closed the account with a zero balance but it still reflects a " reported balance '' That is contradictory. 

Furthermore, THIS ACCOUNT DOES NOT belong to me. 

There is inaccurate information that I have disputed only to receive a notice stating that they will not re-investigate. THEY WERE NEVER INVESTIGATED INITIALLY. This is a violation.

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 2021-12-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I had 2 student loans which are been paid off by a settlement by NAVIENT SOLUTIONS , LLC The U.S. Department of Treasury, Bureau of the Fiscal Service ( Fiscal Service ), applied my Internal Revenue check for the amount of {$5000.00} on XX/XX/XXXX To cover my debt to the following agency : The U.S.DEPARTMENT OF EDUCATION EDUCATIONAL CREDIT MANAGEMENT CORP. 
XXXX XXXX XXXX XXXX MN XXXX Then Navient kept calling me claiming that they had one of my student loans and my taxes were applied to only one of my student loans and that I need to pay them for my second loan. 
They send me a letter offering me to settle my account for {$430.00} and I made two payments to cover this amount one was on XX/XX/XXXX for {$250.00} dollars and the second one was made on XX/XX/XXXX for {$180.00} to complete the {$430.00} But now another company called XXXX is claiming that they have my student loan I call and told them my student loans were already paid off, and they told me to fax them my documents the proof of what I said to them by phone, and I did now they send me another letter to let me know that my student loan was transferred to another company and that I need to wait for them to contact me. Because they can't help me any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: National Arbitration Forum
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I 've complained about theses people before. Today at XXXX They left the following message : Hello. This message is intended for??? We 're calling regarding your recent transaction that occurred which involved your bank account. We wanted to make sure you 're aware of this transaction and get your statement before this matter reaches a conclusion and any decision is made. You may contact us at XXXX XXXX XXXX XXXX and reference file number????. We look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Beginning of XXXX an account was opened fraudulently under my social security number with XXXX. For the amount of {$950.00} in XXXX. I've only been to XXXX during a layover to California to drill with my military unit during that time. Which was only for an hour and I live in North Carolina. I've disputed these charges in the past and talked to the current debt collector, Receivables performance. They've tried to call me back in XX/XX/XXXX. But didn't talk to me any further due to the information they have being false. Then in XXXX I noticed that the collection was on my credit report for XXXX. When I talked to them all the information they had on me was false mince my name and social security number.

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 2016-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well Fargo Home Mortgage continually increases the escrow. Wells Fargo claims that they see a change in my tax 's and home owners insurance policy. This ca n't be true. Our taxes have not gone up ever in the 15 years we have lived here. Yet Wells Fargo insists that they do go up and so does our home owners insurance cost. I myself setup XXXX veteran services home insurance policy and XXXX has not informed me of a policy increase. This problem with Well Fargo continually says that the monthly payment most go up to cover they costs that should never happen and this is the 3rd time. Wells Fargo refuses to prove that every time they raised the monthly cost of the escrow they actually had a real reason. We have even being paying more then the monthly amount due by nearly XXXX $ more each month and yet ... Wells fargo says we have s shortfall in the escrow, which is impossible. We believe that they are misleading us and not using the escrow account as they are contracted to do in our mortgage.

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 2016-11-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. 
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101. 

LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Locked out of newly opened savings account : on XXXX I applied to Discover, via website, for an online savings account, completing all requested information & signing required forms. Once it was submitted, I immediately received a confirmation with account # and a list of the documents I had signed. I logged on 10 minutes later, to add an external account, I was then knocked out of the system ; I logged back in & message appeared " account is locked, call XXXX. '' On XXXX, XXXX, I spoke to CS rep XXXX XXXX XXXX at above #, she couldn't help. At XXXX I spoke to XXXX XXXX XXXX XXXX XXXX who spent 40 minutes with me trying to figure out the cause of lockout, & finally found that the acct had gone to the bank fraud unit???, and gave me phone # 's XXXX and XXXX to call & apologized for not being able to help. For ( 3 ) days straight I called each of the numbers, never got through, and each had waiting times from 1 hr - 3hrs!

I never received a letter or email notifying me of the reason for the lockout. I've lived in New York all my life, XXXX XXXX, all my credit & personal info is readily verifiable. In looking for a new online savings account, I read a reviewer 's remarks- don't remember bank - who experienced what I'm going through and I thought how crazy is that? Something is very wrong with the identification systems if it can not easily identify readily available personal & credit info of an applicant!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
HSBC Bank is reporting a late payment on my history. I need some help, I have had this account open since 1995 and have never once been past due. I got covid and thought my husband paid on the bills. He said he did. Please this is devastating as you can see by my credit I care and never once have paid a bill late. Please remove this remark. I care about my credit and my creditors who allow me to have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Either send me proof about this debt, such as what the debt is for ( product ) or remove my name from the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Skrill USA, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email dated XX/XX/2022 at XXXX AM letting me know that my request for a Skrill account had been approved. A couple of emails later there was a confirmation that card XXXX has been added. The final email stated I needed to send in a copy of my identification to finish the process. The email address used to open the account was XXXX. 

I did not open this account. I attempted to contact them at the phone number provided XXXX and it continues to loop through a process of entering a pin and pressing 1 for English. You can not get to a live person. There's no email address to contact. The address given for the company in the email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX. 

I have had several accounts opened in my name and I have consumer fraud alerts on my credit report. Just recently a XXXX XXXX XXXX account was also opened in my name that I have had closed. I need to make sure this account is closed and removed from my record, if necessary. 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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 disputed a {$110.00} charge for XXXX XXXX because I canceled the account over a year ago. Amex initially processed a dispute and did research. The company I had XXXX with, called XXXX XXXX said they sent a renewal notice to XXXX, but the XXXX  account is under XXXX and I no longer have that account because it was canceled over a year ago. I believe the amount I'm being charged is unfair because I canceled this account and should not be charged. 

Additionally, the Amex account was paid and closed and now, this potentially opens me up to more charges with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir, Citizens Bank Did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records and statements. Also, they printed my contact details of phone number wrongly in the response. Also, they added wrong title before my last name in the interim response of Citizens Bank. All my salaries getting deposited to my individual check-in account at Citizens Bank, which are associated to my name, social, name, address and various identification details. Still, Citizens Bank mentioning the title of last name, phone details and various details wrongly in the consumer finance bureau complaint 's response. Citizens Bank intentionally causing troubles to customers and committing fraudulent activities. Citizens Bank mentioned in the response that they would deduct money from my account if account number and routing number given to them by anybody and also there is no value and verification of Authorized checks. Whats the point in giving Authorized Checks and does not give the accurate details of checks to customer if citizens bank does not verify the checks, signatures, various authorized details. Lawfirm confirmed that they correctly deposited the checks XXXX/XXXX in the Bank and Department of Homeland security correctly deposited the checks.Citizens Bank holds the complete legal accountability and responsibility for tampering the check images and numbers in the account statements, manipulating my individual account transactions and various fraudulent activities related to my individual check-in account. Could you kindly direct citizens bank to issue the official letter with corrections of my title, phone number, check clearance records are missing in the Bank Statements, legal terms and conditions for check clearance without even verifying my signatures of my checks and various identification details. Also, I need official letter to proceed with federal officers and Department of Homeland Security. I need to contact Federal Law Enforcement with official complaint by attaching my original checks and immigration procedures and concerned documents. Could you kindly direct citizens bank to response to my complaint in 5 to 7 days. Citizens Bank holds the complete legal accountability and responsibility at Immigration Fraud department if someone claims these checks and gain any immigration benefit using my identification.

Company response to consumer: Closed with explanation