BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26
Company: EQUIFAX, INC.
State: NY
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One keep saying that Im late on Payment.but I dont Have And Capital One Credit Card Please help ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company - NAVIENT Last payment made {$1200.00} ( Settled amount ) - XX/XX/2018 Navient is still reporting a high balance amount - {$5000.00} NAVIENT Continues to report my account as delinquent even after the loan has been settled to {$1200.00} and paid in full 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Experian Information Solutions 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 attempted to dispute the claim for XXXX XXXX XXXX. It is listed on my credit report without an original creditor and it lists terms. I did not have contract with this company and I have not been provided documentation showing how I owe this company. It is reporting a past due amount in which I found out is a violation of the metro 2 standard reporting due to this and no original creditor. No other information has been provided about this company. I have sent a letter once and another response to their updated response twice.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-12-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Closed and pulled money from the account to make it a zero balance. Had told me prior on the phone that they would send a check for the amount of the account. 

After months of not receiving a check, I called them again and the representative told me that the account was permanently closed and the money returned to where it came from and that I would not be receiving a check. She could give me 'no further information '.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

The following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

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 2015-10-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have had possession of an American Express gift card which was fraudulently used to make a purchase. Amex treats these cards as cash so basically they were only willing to say " sorry '' and give me the name of the company that processed the transaction. The company, of course, is completely unresponsive. There is no consumer protection for these gift cards and now I have lost that money fraudulently. If the card were truly similar to cash I would have never lost it because it remains in my pocket. There must be a better way for Amex to protect these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: MOHELA
State: PA
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 issue is with mohela. I was transferred to this servicer and have not been able to get a hold of them about my loans. I have been on hold for hours at a time and the one single time I got to talk to someone they gave me a blanket answer and didn't even look into my account. I have huge concerns over how my loans will be handled and in dealing with their non-existent customer services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
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:
I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. Both accounts that I did have open with them were closed - by XXXX XXXX - due to an error on their part. Even after said error was recognized and corrected, the accounts were never opened or repaired in terms of incorrect information being corrected. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.

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 2016-11-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files. Attached is the letter ( Dated XXXX 2016 ) sent and proof of certified delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a locked 3.29 % fixed rate 30year cheloc in PNC bank with XXXX XXXX and XXXX XXXX on XX/XX//2021, but when I review our current application files, I found XXXX changed the initial application into the current one with 3.75 % variable rate 40year heloc without notifying me in advance. 4 other PNC bankers told me I can start my initial application in the beginning. But XXXX insisted on proceeding, then send a lock request after the current variable heloc is approved. By his way, in my experience I will be very passive in the end and most probably I can't get 3.29 % fixed rate 30 year heloc. I don't like his way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with this company, never given this company any of my information, i have no idea how they got my information and they need to have it removed from all XXXX of the credit bureaus. I have never signed or consented to any terms or agreements with convergent outsourcing.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a written claim regarding a Bank of AmericaXXXX scam that occurred on Saturday and Sunday XXXX XXXX XXXX. 
The prejudice is about 3 XXXX transfers obtained from a fraudulent website ( XXXX ) for a value of {$3000.00}, XXXX and XXXX. 
I contacted the BoA /XXXX claim center right away on XX/XX/XXXX ( that was a bank holiday ). Claim reference : XXXX XXXX. The transaction appeared as being processed by BoA was not capable to reverse it. 
This was my first use of the BoAXXXX mobile app and I was misled by the fact that this application is on the BoA mobile banking system which gave me a false sense of security. In addition the risks associated to that kind of money transfer were largely understated during the whole process. 
On the phone BoA claim center told me this transaction was not covered by Regulation E as I gave my authorization ( despite being tricked by the fraudulent website!!! ) and have not refunded any of the money lost after now more than 10 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Acceptance Corporation continues to report inaccurate information on all three of my credit reports XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - XXXX - 149 days past due XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - 120 days past due XXXX - last payment date XX/XX/XXXX - no reported delinquency days - past due 180 days

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 2021-01-16
Company: EQUIFAX, 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:
These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Last spring I made several purchases at the Home Depot store in XXXX XXXX, XXXX, to make repairs to my winter home. I paid cash for several of these purchases, and used my XXXX credit card for others. Because a XXXX % -off discount was being offered as an incentive to open a Home Depot credit account, I applied and used the card to purchase replacement windows for my home. Soon thereafter, I returned to my home in XXXX. A change of address notification was filed with the U. S. Postal Service. 

XX/XX/XXXX, I applied for a mortgage loan and was appalled to discover that the Home Depot Consumer Credit Card had been reported to all XXXX credit bureaus as being delinquent. I immediately called Home Depot, and was able to reach a XXXX XXXX XXXX. XXXX XXXX identified herself as a customer service supervisor. 

I explained to XXXX XXXX that I had never received an invoice from Home Depot. Furthermore, I explained that I had made several purchases, and had paid them in full. Had I received an invoice for the Home Depot credit card, I would have been reminded of the debt and would have paid it. 

XXXX XXXX stated that it is Home Depot 's policy to send XXXX statements. After that, the account is considered delinquent, reported to the credit bureaus, and is subject to monthly interest and late fees. According to XXXX XXXX, no further attempts to contact the customer are made. However, because this was clearly an error in the forwarding of mail, XXXX XXXX waived all late fees and interest charges. She also stated that she would be notifying the credit reporting bureaus that this " delinquency '' was the result of the failure of the postal system. 

On XXXX XXXX, 2016, a letter was sent to me from Home Depot Credit Services stating that they are unable to change the information reported to the credit reporting agencies because it accurately reflects my account history. 

I am filing this complaint for XXXX reasons. First, because I believe Home Depot Credit Services ' policy of ceasing to attempt to contact customers while continuing to impose interest charges and late fees is unethical. Second, because Home Depot Credit Services - even at the supervisor level - failed to provide accurate information to both their customer ( me ) and the credit reporting agencies.

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