BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/19 I purchased an item from an online vendor for {$100.00} on my American Express. The goods were listed as in stock. The following day I received an email from the vendor stating the goods were on backorder for approximately 9 weeks. I sent follow-up emails on XX/XX/19 and XX/XX/19 to the vendor and didn't hear back. I requested to cancel the purchase and still didn't hear back from the vendor. I initiated a dispute via American Express. The dispute was rejected because I didn't dispute the charge within 60 days ( the customer service representative said 60 days was " international law '' ), despite me showing proof the vendor requested additional time for a backordered product. So basically, I'm being forced to pay for a product that was never received and my credit card company won't back me despite getting no contact from the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE

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 2020-02-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loan debt through Navient, my loan was XXXX two years ago now its up to XXXX, every time I called they would offer deferment and no other option, they didnt tell me what it entailed and now Im in a lot of debt, I need some advice on how to rectify this matter, thank you so much for your help with this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: VA
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 disputed the same reporting errors on my credit bureau account with Experian and XXXX  more than 5 times each. In addition, I have sent in written documentation by mail to both credit bureaus for name and address discrepancies and to request an investigation on items that are in error. 

Investigations were not completed as promised, investigation and dispute dates where change every time that I called, the dispute dates/ investigations were not carried out to the fully completion dates, and I wasn't provided the documentation that was requested. 

I sent a copy of my social card and disputing letters by certified mail back in XX/XX/2019 by certified mail, and I have called and disputed the same items since XX/XX/2019 and now it is the end of XX/XX/2019 and nothing has been corrected. Currently the same items are in a new dispute as of last week. 

The credit bureau has failed to correct my personal information on my credit bureau reports including my name and address, in addition to, failing to provide documentation that I have requested to proved that the items disputed are true, indeed my accounts. 

I have contacted the companies in question that are on my credit bureau report and they can not provide written documentation to proved that the accounts are mine because I do not have accounts with their company ( s ). 

You are my last result other than pursuing legal action against the two credit bureaus. 

Please help!!

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 2017-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX with the email address of XXXXXXXXXXXX, which stated my application had been approved to complete surveys. I was asked to verify my information which I did. Continuing, the email then stated that the information would be used for payment to execute my assignment as well as my wages. 

I received a XXXX email from the same person as above which stated : XXXX assignment to start the next day, Note that a check will be sent to you by XXXX overnight to proceed with the task immediately. 

I received a check by XXXX on XXXX/XXXX/XXXX in the amount of {$1200.00} at which time I was to deposit in my bank XXXX XXXX Bank XXXX and withdraw funds of {$1000.00} and complete assignment. To complete assignment I was to wire the XXXX to the XXXX store in XXXX, Colorado payable to XXXX XXXX for pick up by her. Then to complete a survey after assignment was processed. 

On XXXX/XXXX/XXXX I received another XXXX containing another check in the amount of {$1200.00}, was to complete the assignment the same as before to the same location as above and to the same person XXXX XXXX at the XXXX, Colorado XXXX store. 

Within XXXX minutes my bank XXXX XXXX Bank XXXX contacted me, XXXX XXXX advised he believed this is a money laundering scam and advised me to cancel the transaction and redeposit the XXXX back into my account, which I did. 
I was also advised to file a police report with the La XXXX XXXX, which I did on XXXX/XXXX/XXXX case # XXXX. He made copies of all documents, check, bank info, receipts. 

On XXXX/XXXX/XXXX I received a message from XXXX XXXX asking why I had cancelled the XXXX transaction, I told her this was a scam and my bank advised to cancel the transaction and redeposit the money into my account. 

On XXXX/XXXX/XXXX received a message from XXXX XXXX XXXX additional email that XXXX more checks were coming and to follow directions for the assignments the same as before. Then received a message from XXXX XXXX to shred the checks when I received them. 

I have no way of attaching all documents to this report but will mail in if I can get an address to send them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
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 AcXXXX XXXX XXXXXXXX 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.

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 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking and savings account with Capital one 360, with XXXX dollars in XXXX XXXX XXXX 
when the money came available, I transferred money to savings, the next day my account was restricted and I needed to contact them. 
I called them as asked, ended up gong to the store font they have and upon giving my drivers license told it was fraudulent activity and they where closing my account. 
I provided my driver 's license and proof that the phone numbers I gave belong to the company that I am an XXXX for. 
it is not XX/XX/XXXX, almost three months and no release of account or closing of account. just stating to contact the phone number which I did previous to going to store font and after. 

I would like my account reinstated due to its their computers and not a person making decisions. my phone numbers do belong to me but they are in an XXXX XXXX XXXX along with I am an XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I do not think that is fair. I called to see why I was late since I have not used this card. They informed me that it is an annual fee. I received no emails or mail notification of the fact. Maybe I did pay this in the past because I was using the card. But I paid off the balance and have not used it. I have never had a late payment in my life and this dropped my credit score over 100 points. Please help me.

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 2017-04-19
Company: National Credit Systems,Inc.
State: CO
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:
XXXX   XXXX   XXXX   XXXX   XXXX   sent my account to collections for the full amount of the lease breaking fee, however, they did not deduct any of the payments I had made previous to my account going to collections. I paid the amount I truly owed within 30 days of account going to collections  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  said she would contac t National Credit   Systems to le t them know I do not owe the {$230.00} that is left. I am still being billed and threatened credit reporting of the {$230.00}. I have called the collection agency numerous times and "  XXXX  '' has never called me back or started taking any steps to rectify the situation. As of today, he stated he did call me back and I never responded. I asked where he was calling because I never received any voicemails. He said he is not sure where he called. He said their calls are recorded and that is proof he called me. I asked for a copy of the recording and he said I have to subpoena it. I have called and spoken to  XXXX  at The  XXXX   XXXX   numerous times who said she has cal led National Credit Systems  and she is not sure why they are still billing me. According to  XXXX  my record does not show that she called them at all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Self Financial, an XXXX, TX credit repair firm, has taken a total of {$900.00} in unauthorized withdrawals from my checking account in the past few days. I DO NOT have an account with this firm, nor have I ever had any business with them. However, they did this same thing to me last year, to the tune of {$1200.00}. It took filing a fraud report with my bank to get the money back, and that took over a month. In the ensuing time, I incurred overdraft fees and had to scramble to find money. Until that happened, I had never even heard of Self Financial. The same thing is happening now. The company 's phone system will not let you speak to a representative until you enter your account number, so as a non-customer, I can't talk to anyone. I'm at the mercy of their email system ( XXXX ). I emailed them about the problem Friday, XX/XX/XXXX, but haven't heard anything. 

The amounts and dates of Self 's unauthorized withdrawals are : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I spoke with Chime XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in regards to my missing money. Each representative states that they can agree 100 % my money just vanished they have said they researched every possible error that could have occurred or a explanation but they are not sure where other then a glitch. They put supervisors on the phone and they tell me the same thing with no explanation on where my funds went or give it back to me or they continue to put me on hold every 3 minutes and then hang up. They keep saying they will escalate the call but have been doing this since Thursday, my rent will not wait because my money is missing out of a banks hands. Sometimes they are telling me I had a balance owed on my credit builder however I received a email XX/XX/XXXX stating my balance to credit builder was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Advance America, Cash Advance Centers, Inc.
State: WV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. XXXX XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reinserting deleted accounts on my credit report.  XXXX   XXXX   XXXX  has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. The account number on this account is  XXXX . This account was deleted more than once from my credit report and now its reinserted without my knowledge again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Creditor Advocates Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had submitted the payment online to the XXXX for services provided by XXXX XXXX XXXX. The payment went through but then I started receiving communications from XXXX that I owed XXXX XXXX Even after submitting multiple screen prints, confirming that the payment went through, they chose not to work with me and send the information to the debt collector - Creditor Advocates. I suspect this is not the first time they tried to force someone to pay twice for their services. I had to call XXXX to withdraw my payment back on XX/XX/XXXX. I had paid the credit collector on XX/XX/XXXX. Please take a closer look into their billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: Receivables Performance Management, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XXXX 2016, I received a call from XXXX about my son 's phone bill that was past due by XXXX. I had signed for the phone account. I gave them my sons girlfriends phone number to contact him since they had his phone shut off. I never heard another word from XXXX. I never knew it went unpaid. My son lives in Illinois and I in MS and we do n't talk a lot. I did not know anything about a collection until I checked my annual credit report a few weeks ago. They had my phone number, they could have called me back, they could have said we need you to pay or it will be sent to collection but none of this happened. I was living in Illinois at the time he got the phone trying to take care of him because he has a mental illness but was able to come home shortly after getting the phone account for him. I had my mail forwarded but never received a bill from XXXX. 
I have very good credit and have worked for many years to get it that way. There is no way I would ever let a bill go to collection. I feel like I have been wronged by XXXX. I would have been more than willing to pay the {$300.00} rather than ruin my credit I worked so many years to acquire.

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 2017-04-21
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not know who these people are. I never had any notice of any debt from them. Credit Bureau Associates is in violation of the fair debt collection practice act.     Specific violations  are 15 U.S. Code 1692c - Commu nication in connection with debt collecti on ( a ) Communication w ith the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt coll ector may not  communicate with a consumer in connection with the collection of any debt -- You did not have prior consent directly given to you by me, the consumer or you did not receive express permission of a ny court of competent jurisdiction to communicate with me, the consumer. You have also violated the fair credit reporting act. 15 U.S. Code 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pioneer Credit Recovery has called my phone number over a dozen times. They are seeking information on a debt that is not mine. I have requested they stop calling but they have not stopped.

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 2017-04-21
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed a complaint with CFPB and the response did not address my issue. I have sent several emails to  XXXX   XXXX  regarding my missing payment from  XXXX   XXXX . I have sent over a copy of my bank statement confirming that the payment was received b y GM Financial. M y final payment should have been in  XXXX   XXXX , but I am still showing a balance of roughly {$1100.00}, which are late fees from the payment that they claim is missing. This payment is not missing ; it was received and processed by  GM Financial o n  XXXX   XXXX ,  XXXX  according to my bank statement. The responses that I am getting from  XXXX   XXXX  have been lies ; she never had a manager reach out to me to discuss this further. The remaining amount due needs to be adjusted to reflect the fact t hat I NE VER missed a payment on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PDM continues to harass us over a bill we paid on time over two years ago! 
They have gone as far as to call our relatives trying to collect. 
We already checked with the entity ( XXXX ) six months ago and they checked their records as well, saying we do n't owe. They also told us they never contracted PDM to collect this dept ... so why is PDM involved? How did they get this information? 
XXXX OF THE XXXX EARTH!!!

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 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I pa id one of m y debts listed in my credit report by  XXXX   XXXX   XXXX  who is representing  XXXX   XXXX   XXXX  in the settlement amount of {$130.00} on  XX/XX/2017    which would close this account. I had received a letter from   XXXX    listing options to settle and I chose settling in this amount. It is still listed on my TransUnion and  XXXX  credit reports showing I owe a balance of {$130.00}.  XXXX  has a phone number on correspondence mailed to me but I 'm unable to speak to a live representative to settle this matter on my own. Also note that after sending my payment electronically I did n't receive confirmation of any kind nor further correspondence from this company. Your assistance is greatly appreciated to settle this matter with these companies. Thank you.

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