BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried to speak with USAA and was directed to the department that does Long Term Assistance. I went through the process and the financial information as well. I was put on hold for an extreme amount of time. After speaking with the agent I was told congratulations have good news. She informed me if I could ask my Aunt to loan me more money I could qualify for assistance. I know this is wrong because I do the same thing at another bank. I know this is against the Graham Leach Bliley act. This is UNFAIR AND DECEPTIVE. USAA has constantly done things to thwart my asking for assistance. I as even informed that my account would be re mediated and was informed I would be contacted by the Office of the President. I am appalled that a bank can operate like this. I am the consumer that is asking for help to pay back his obligation however the bank could care less. I have many emails and I am asking for this to be investigated this is illegal. I have asked for Cease and Desist and still get calls. I know under the FDCPA that they cant continually call me. I have tried many times and constantly transferred. LISTEN TO THE CALLS PEOPLE YOU WILL SEE THAT CUSTOMER ARE BEING LIED TO AND THIS IS UNFAIR. Graham Leach Bliley ACT prevents a creditor to be biased and unwilling to assist. It also is against UNFAIR and DECEPTIVE ACTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to the school which is now out of business and have no cerrtifications nor am i qualify to get a job in the field for which i went to school for. i am having problem XXXX the rent, and i had to return to school to get a better job to pay off my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Citi Bank closed 3 bank accounts associated with my name stating that it was fraud activity on the accounts and they would send something in the mail with in 30 days. After 30 days I called back and they hung up on me multiple times and refused to talk to me. One of my accounts have actively {$22000.00}. It is now XX/XX/XXXX I have not received any notification about the status of my accounts and when I will be receiving the money in them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called XXXX on XX/XX/XXXX when debt was originally discovered advised to send in copy of DL and other ID docs. Sent in XXXX called and advised debt had been sold to Jefferson Capital to contact them. Advised Jefferson Capital debt was not mine and this had already been determined by XXXX - debt was previously removed from my credit but reappeared as opened in XX/XX/XXXX -called Jefferson Capital and they indicated original debt was bought in XXXX Credit shows this company despite receiving info that this is not my account is reporting the debit as recently opened on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have continuously disputed this debt for the past 2 years with XXXX, XXXX, XXXX. I have also contacted the companies at various times to inform them that this is not my debt. I did during that time have a young lady renting a room from me but I did not had XXXX XXXX and now I have had XXXX XXXX XXXX for several years. I also sent Diversifed Consultants a letter of Debt Validation requesting the original documents with my signature. I received the attached final notice, which does not show proof of contract. 

XXXX XXXX, dba, XXXX XXXX XXXX, dba, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD bank decided to close my account I had XXXX dollars I went to the branch that is near my house and I was told that the money was withdrawn from the account on XX/XX/2022 and that they didnt know where the money was to call the de marketing department I was given a number I have been calling since then and its just an answering system where you have to leave your name and number for a call back I have not received a call back from them nor have I received my money. I tried calling customer service and they tell me the same thing that they are not able to identity where the money is and to go into a branch. They have me back and forth with no answer and I just want my money back. I dont understand what the problem and at this point dont really care I just need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning XXXX/XXXX/XXXX, I have received hourly calls from Comenity Bank. The calls start at XXXX am and end around XXXX pm, always from an 'Unknown ' or 'Private ' number. The first couple times I answered, they hung up and the time after that, they refused to identify who they were. When they finally identified themselves, I asked them not to call so frequently and informed them that it was to the point where the hourly phone calls were harassing at which point they rudely asserted that they are allowed to call me hourly if they wish. After asking for my cell number to be removed, on XXXX/XXXX/XXXX, they began hourly phone calls to my parents ' home. They were rude and threatening to the point that I could n't even have a conversation with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and 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 non-monetary relief
Consumer complaint received 2020-08-19
Company: MJ Altman Companies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MJ Altman put a debt of {$5900.00} on my credit report about a medical bill from 2016 that I have no idea about. I want them to remove this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the credit bureau all of them and they removed it now its back on my report also I report the issues about unknown phone numbers addresses jobs that not related to me and they want remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: GA
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:
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 : Also states a consumer reporting agency can not furnish a account without my written instructions. 

This consumer reporting agency is reporting this US Department of educationXXXX account on my credit report as paid of -40 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I transferred {$8900.00} worth of a cryptocurrency from my account with XXXX to my Coinbase account. The asset was apparently not supported by Coinbase and the company has told me that the crypto currency is lost and there is nothing they can do unless they decide later to support the currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Loanpal continues to refuse to update my account to reflect a legal name change from XX/XX/2020. Since this is an attempt to illegally block a legal name change by refusing to acknowledge it I will keep filing complaints every time I am ILLEGALLY dead named on my statements. I will also file a discrimination complaint with the federal government for every statement loianpal illegally dead name4s me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trek collection has placed a collection on my credit reports. I have never been contacted or receive any notification from this company, XXXX is there contact #. This and other numbers are not in service. I have not record of any kind from this company. This was placed on Credit report during Covid-19 pandemic. After many attempts to contact company and dispute with credit companies it still remains. 
The phone number is disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2022-05-04
Company: CITIBANK, N.A.
State: NY
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:
While on vacation in XXXX, XXXX, I made several charges on my Citibank credit card. For these charges, I received a receipt. However, immediately after each legitimate charge, the waiter made a second charge to his personal business. His personal business is a fraudulent company that he set up to get money for himself. The company that the charges were made to is called XXXX. Here are the dates and amounts of the fraudulent charges ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} and XX/XX/XXXX. I realized these charges were being made when I noticed that my balance was increasing more rapidly than it should. I checked my Citibank account online and I spotted the fraudulent charges. I immediately contacted Citibank. After several telephone conversations, Citibank suggested I close my account and continue the dispute process after returning to the United States. When I returned to the US and contacted Citibank, I saw that Citibank had closed my account and put through all of the fraudulent charges. I would like for these charges to be reversed because this company does not exit and I DID NOT MAKE THESE 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 monetary relief
Consumer complaint received 2017-06-28
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. <P/>On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and 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 explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, Navient is the XXXX XXXX provider. I have a number of complaints about them. They do n't keep accurate records applied loans. Also, during the auto debit action they seem to change the amount on individual loans when it suits them. Very difficult to get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
GC Services Collection agency employee XXXX or XXXX XXXX contacted my employer and spoke to the receptionist about my debt and told her that if I do n't call back today, they will garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo is reporting a bad credit card account to my credit that I was only an authorized user on and not financially responsible for by definition.

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my TransUnion, XXXX and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX  XXXX  XXXX XXXX OH XXXX. 
My DOB:XX/XX/XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief