BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: GOLD KEY CREDIT, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in regards to Gold Key Credit / XXXX, we are working to make sure our credit reports are free of bad marks as we want to buy a home in the near future. On our credit report are 2 bills listed for this company. I contacted the company to make arrangements for payment and wanted to see about making a settlement offer to clear the debt from our credit report. <P/>They told me the bills were medical bills for 2 separate dates for a company names XXXX XXXX XXXX XXXX XXXX XXXX 's hospital. I was advised by a XXXX that they could not accept a settlement because the original creditor had n't authorized any settlements on the account. The bills are from XXXX and XXXX and XXXX admitted that her company ( Gold Key Credit ) had not sent anything to us since XXXX and she had no idea why. She said the original creditor did n't send them contact information from us so it just went to an aging account. She did however have my current address and read it back to me so why did n't they attempt to notify us by mail? I asked for contact information for the original creditor and was told they could n't provide me that and when I XXXX the company I could find nothing for them. I contacted the hospital and was told by 2 different departments that they had never heard of this company ( XXXX XXXX XXXX ) and that it sounded like we were being scammed. <P/>I contacted Gold Key Credit back and asked to talk to a supervisor and was told I was unable to speak to a supervisor one would have to call me back because they do not transfer calls. I was told by XXXX that she placed my account in dispute and that sometime in the next 30 days I should get an itemized bill. <P/>In the mean time I ca n't get this removed from my credit report even though this collection company did nothing to even try to notify us we owed this debt. How is this allowed?

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 2023-01-12
Company: Experian Information Solutions Inc.
State: SC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

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 2021-11-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Credit Bureau : I have called the company multiple times within the past 3 weeks via phone and dispute about the TWO addresses on my credit report. 

The address on my credit file that does NOT belong and is NOT current is XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

I was told that the creditor, XXXX XXXX XXXX, is reporting this address as my CURRENT address and that EXPERIAN CAN NOT REMOVE IT, even though is is NOT my current address. A creditor has no right to tell a credit agency that my address is valid and it is my CURRENT address. 

I have sent all information to the credit agency and still, I am being the told that it can not be removed. 

When I call to verify my information with the Experian rep, my information is verified with MY CURRENT ADDRESS AND INFO, not an invalid address. 

This has been going on back and forth, without resolve and I am beyond ticked off about this matter. I WANT THE MD ADDRESS REMOVED FROM MY FILE ASAP and I am also going to file a report with another Government agency about this matter. 

I do NOT reside in MD and I want my credit report fixed, sooner than later. Enough is enough already, especially when the consumer has to verify information!

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 2019-12-07
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover representative named XXXX XXXX XXXX in XXXX XXXX XXXX in 2019 ignored all my voicemail messages over the time I contacted her this year and I again gave up dealing with resolving the fraudulent balances that remained with Discover. Discover needs to clear out the remaining balance as I do not owe the debt. The interest and fees charged are not valid. This experience has been unsatisfactory in trying to handle the fraud that occurred on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Prove to me that the inclusion of this complies with this ferdersl law, or remove it. Correct?

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 2019-12-07
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Last year my wages were garnished until I was advised that I could consolidate my student loans and do a income repayment plan. I submitted the documents twice this year and each time the monthly payment has not been reduced. I have a household of 3 people with a rent payment of {$1500.00} not including utilities. I can not afford {$320.00} a month not on my income. 
I am still being asked to pay this large payment even after I submitted the documets for the second time with the same info that I provided with the first request. 
The credit bureaus report that I have all these different loans first with XXXX and now with Navient but if the student loans were consolidated then why is it showing I have numerous accounts. Its for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning in  XXXX   XXXX , Focus Receivables has been reporting  XXXX  different  XXXX  collection accounts to my credit, all with service within a few months of each other in  XXXX . I have disputed these accounts with the various credit bureaus, only to have Focus verify them as accurate.   I have since written directly to  Focus  to point out that there is simply no way I had  XXXX  different ongoing accounts with  XXXX . Focus responded with documents which I suppose they believe proves the validity of the debt. However, they do the opposite.    Focus  sent a contract/invoice from  XXXX  which shows charges of {$1400.00}. The down payment reports as paid at {$700.00}. The remaining {$700.00} was financed through their in-house plan with a {$68.00} finance charge. A total of {$760.00} financed.   Focus is reporting  XXXX  different collection collections, apparently regarding the same debt, and the amounts in their reporting add up to {$1100.00}. I am well-aware that the number of individual collection tradelines appearing on a credit report greatly effects the  XXXX  redit score, so it would seem that their reporting of a single acco unt as  XXXX  different delinquencies is designed to unfairly malign my scores. I do not believe this is legal, either.   Beyond this, the debt  ( s ) its elf are very much disputed and all Focus did was mail me a copy of the original  XXXX  contract, which really establishes little. I cant see how this company is allowed to report a single transaction as  XXXX  separate and distinct transactions, the way it currently is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX two transactions were taken from my account under the name of XXXX. One for the amount of {$200.00} and the other for an amount of {$50.00}. 

These are not authorized as I did not lose my card or allow someone else to use them. My account was hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a XXXX amount on my credit report with XXXX XXXX from XXXX XXXX in which I don '' t my balance is around XXXX can not contact 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 explanation
Consumer complaint received 2018-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Banks are requiring that their customers who want to earn miles to travel/airlines have to apply for credit cards. That makes no sense for those that have no, bad, or average credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
HI, I wanted to submit my complaint to advise you that as of XX/XX/2019, I was recently hacked from a Malware site that compromised my personal information from my cell phone. I was locked out of my emails, my contact list, and somehow they hacked my XXXX  account. I was able to recovery my XXXX account at work using a secure connection, later that evening with the help from XXXX, when I submitted my claim.

All the information that I have noticed being published about me is absolutely false, and as a result of Identity Fraud with my  personal information being hacked, and credit inquires that are unwarranted on my account. I have not at all engaged in any illegal activity with these publishing 's. The information provided is fraud as I noticed the negative impact of false information on my account. I have never been in trouble with the Law before, except pending case now. I have never had child endangerment charges, domestic assaults ' charges at all. I would like to have that taken off for public record, as is completely false. I am legally bind to stay out of trouble, and have been. I have reported to XXXX   and explained the situation. I will be getting a hold of the fraud unit of their department Monday. The malware issues are solved now on my phone, and I'm able to retrieve some of my emails. I did notice some of them were deleted, as it concerns me in a pending court matter. I was unaware of this information, being published, Til I saw it on your website, the legal civil notice of Privacy act, and Civil penalty fee. I am overwhelmed with the information I have seen. Under truth the allegations are false, incorrect criminal history, personal information wrong, false credit inquires, or any use of money transferring, new debit cards, and my current bank was withdrawn fund, frauduantly obtaining new student loans are falsely incorrect as well. If you have any questions, or concerns proceeding this matter. Please feel free to contact me, Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: MA
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 balance transfer

Complaint:
On XX/XX/XXXX I initiated a balance transfer. I requested {XXXX} be transferred to my Citi XXXX XXXX Card from my XXXX  XXXX XXXX card. The transfer was marked complete by Citi on XX/XX/XXXX and {XXXX} was charged to XXXX XXXX Card. However, XXXX XXXX never received a payment from CitiBank. I called CitiBank three times and they told me to have XXXX XXXX open an investigation. XXXX XXXX stated they can not investigate a payment they were not notified was coming. CitiBank has elevated this as an investigation despite claiming it was not their fault. I verified all of the account information.

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 2020-01-31
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
My account was deleted without any steps for me to take! It just said thats not your password and when I want a password reset request it never showed up in my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants be gan reporting a  XXXX  debt to the consumer credit reporting agencies around  XX/XX/XXXX . The debt of {$260.00} was reported as being a delinquent beginning in XX/XX/XXXX . Beside the fact that I owe no debts to  XXXX , there has been quite an issue concerning the collection by Diversified.   First, I was never given written notification that they were collecting on this debt. My first time hearing of it was when I saw it on my credit report, too late to dispute it before it affected my score. I have reached out to Diversified since, disputing the debt. I have also disputed the debt through the individual credit bureaus to which it is being reported.   Diversified has verified to the bureaus that the information is accurate. And to me they sent a bill to prove the legitimacy of the debt. A bill with a total much different from the one they are reporting. The bill theyve sent me is for {$350.00}, while the reported balance is {$260.00}. This is not to say Im claiming that I owe more than what they are reporting, but rather the opposite their own validation documents dont match what theyre reporting to the bureaus. It doesnt seem like this debt collector puts much effort into confirming their own reporting and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed due to an inquiry made on my credit report. I had paid the credit card in full some months and made on time payments other months. My credit card account with Huntington had always been in good standing. There are/were no delinquencies with Huntington on my credit card or former loan accounts ( mortgage or vehicle ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, I opened an account with Synchrony Bank XXXX XX/XX/2022 to pay for a XXXX compact tractor. I received my first statement on XX/XX/2022, and attempted to pay my first bill online. After not being able to locate my account on the website, I called the Synchrony customer service number listed on my statement ( XXXX ). There were no options to discuss my online account with a real agent, and the only payment options were via phone or mail. I called two other Synchrony service numbers ( XXXX and XXXX ) and each time, when the customer service representative could not locate my account via account number, I was asked for my full, 9-digit SSN over the telephone. I consider this a major breach of data and privacy on an unencrypted phone line. 

I eventually was connected to a customer service agent on the original service line, and she explained there is no secure online portal for servicing my account, and that I may only pay via phone or mail. In 2022, it is unacceptable for a financial institution as large as Synchrony to allow ONLY unencrypted and insecure payment methods like this. These accounts are a walking time-bomb for a data breach or identity theft. 

I made a payment via phone to avoid a past-due account, but do not with to continue making payments via unsecured means in the future.

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 2018-06-19
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Hello my name is XXXX XXXX. I purchased a money order in the amount of XXXX $ on XX/XX/XXXX for my rent. The place I rented " lost '' the money order so on XX/XX/XXXX I sent in the form for the refund and the requested money for the fees. I waited a month like they said and still no money order so I called they said they didn't get the form to send it by email so I did. I waited a month still no money order. So I called again and they said they just sent it out on the XXXX of last month Ok so I waited 30 days still no money order so I called again when I called they said it was sent out on the XXXX. I knowing that it's a different day then what they said last time said ok and Waited for a little. Last week I called them and asked where my refund was and they said they sent it out on the XXXX. I asked them to send the refund to the card used they said " it doesn't work like that '' even though the website says that it does work like that. They are trying not to give me the refund for the money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Account was charge without permission as well as for a different amount.  I did not authorize any payments. I did not authorize anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On  XXXX   XXXX , I opened  a Wells Fargo check ing account through a link on their website, which said I would receive {$250.00} for opening a new account with them and meeting the  10 debit c ard requirements. After 45 days, I should have received those requirements. I opened the account, fulfilled the requirements on  XXXX   XXXX ,  2017 , but never received the bonus after the 45 days. They said they were going to look into it and send me mail. I never got the mail and sent them a secured messaged and they said I did n't meet the requirements. That was n't true because I had more than  10 de bit transactions, then they said " It was because I was n't targeted, which it did n't say anything about being targeted on the advertisement and I have an email telling me how to get the bonus.

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 2017-06-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX 2015, Citibank announced the closure of 17 branches in Massachusetts and now I can not find my saving account, which was previously opened in one of the branches of XXXX MA.

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