BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Prosper Marketplace, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent XXXX Mail # XXXX XXXX XXXX XXXX XXXX letter with payment ( negotiable instrument ) to tender payment for alleged debt. The letter was received on XX/XX/2021 and the negotiable instrument was improperly processed. I feel my consumer rights where violated and I'm trying to resolve this matter accordingly,

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 2017-08-16
Company: BARCLAYS BANK DELAWARE
State: TX
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:
XXXX sends me offers checks every month for balance transfers purchases or write a check to myself.onXX/XX/17 I wrote a check for XXXX the checks offered XXXX  percent interest for 18 months with a I percent fee I checked my account 5 days later and saw I was being charged XXXX plus XXXX interest. I talked to a rep and was told to have my bank wire the money back and reverse the transaction my banker told me to pay them directly out of my account and save a XXXX fee.i contacted XXXX again and another XXXX said that would be fine and the transaction would be reversed so I sent the XXXX back. the next I got a text saying I had paid more than the minimum amount and still had a balance of XXXX. I called again and was told that my promo check was out of date and I had to pay XXXX .after getting their XXXX back they changed the deal and demanded the extra money it went from cancelling a transaction to paying interest on money for a month that I had for 5 days and was lied to multiple times by.XXXX  XXXX and XXXX made no attempt to contact me or make any resolution or even ask about my interaction with their 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 monetary relief
Consumer complaint received 2021-12-28
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
have no history of doing any business with this company, no signed contracts or anything, they are are trying to collect a debt, I know nothing about and this needs to be removed from my credit file asap, as me and this company have no contract for them to be reporting anything on my credit 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 explanation
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
How many complaints can be entered and ignorred? 1- have NOT RECEIVED OUR NEW DEBIT CARD NO ONE AVAILABLE TO ASSIST ... XXXXXXXX XXXX PHONE LONG WAIT OR LEAVE A MESSAGE. 2- BALANCES from ATM continue to be wrong!!!! This has been going on for over a year. I was told to get an employee when you print balance or use machine they can not do anything to correct. Hence eliminating my ability to drive through to confirm info. Also XXXX XXXX  bal on phone XXXX. HOW is anyone to manage their acct? Once again no one at the branch to validate and if course OD charges immediate. A NICE WAY TO MAKE EXTRA MONEY. 3- They have NEVER ADDRESSED MY XXXX COMPLAINTS and have NOT WRITTEN OR COMMUNICATED WITH ME OR MY OTHER VRNDORS. ALLEGEDLY AN OFFENSE?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: American Collections Enterprise, Inc.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. XXXX were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with XXXX and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX XXXX from XX/XX/2012. Convergent is the sixth collection agency to attempt to collect the debt. The debt is not mine and all other collection agencies, in addition to the original creditor, have been informed that the debt is not mine. 

I sent a debt validation letter to Convergent requesting proof that the debt was mine. They sent me a letter stating that the debt was valid along with a bill from the account on which the debt is owed. The account was not mine and, again, the debt associated with the account is not mine. 

I called Convergent on the phone and let them know that what they sent me was no verification at all of a debt owed. They informed me that they would send documentation with my signature proving that the debt was owed. This was weeks ago. Convergent, through inaction, has refused to appropriately validate the debt. 

Additionally, it should be noted that the alleged debt first became past due in XX/XX/2012.  According to Florida law, the debt is time barred due to the statue of limitations.

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 2016-06-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My mother has XXXX, and I am her power of attorney. She has been charging hundreds of dollars worth of merchandise that she does not recall ordering. I lowered her credit card limit to {$200.00} to prevent this problem and was assured by Chase card representatives on at least two occasions that any attempted charges over this amount would not be approved. At {$630.00} I cancelled the card, after several representatives in XXXX departments ( 7 calls total? ) could not explain why charges kept accruing. Finally, someone told me that the credit limit would not stop charges from being approved, and that I would have no choice but to pay the entire balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10
Company: GET A RATE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i was contacted by someone who came to my house. He promised to would get XXXX of equity of the house at closing if i paid him. i closed and got no money, i am now in a mortgage i cant afford - they lied about my income. i cant make payments and need to fix the apartments for tenants. lacking the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Federal Adjustment Bureau, 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: Information belongs to someone else

Complaint:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX XXXX # XXXX -FEDERAL ADJUSTMENT BUREAU INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is for Transunion, they are reporting a XXXX account, with a balance of XXXX that does not belong to me. They are listing me as authorized user, and i have no knowledge of this account, and it needs to be removed immediately. They are also listing twice that I have a delinquent account with XXXX and that it 's a charge off : XXXX in the amount of {$5500.00}. This is not mine either!

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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
XXXX/XXXX/15 I wanted to check my credit reports with all XXXX agencies. Trans Union was contacted regarding the differences in the number reported by them that varied as much as XXXX points from XXXX sources. 
I contacted them. They said they do not get or give numbers to other companies but rather send the Credit Report & that company does its own analysis. This is NOT what they say in their advertising or even on their reports. If they are not supplying the number that they - in this case Trans Union arrived at, then their advertising and representation is misleading and fraudulent. I not only asked that the XXXX fee be refunded ( only 15 days in ) but that they cancel any further services. They cancelled but would not refund. I should not pay for misrepresentation. There should be a disclaimer stating there is a different website for the required yearly credit report and that they do not provide numbers from other agencies, only data read by them. As the CFPB please look into this for me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is my 3rd attempt to get resolution for deceptive practices of a company the FTC sued called XXXX XXXX AKA XXXX through the Credit Bureau Trans Union. They concluded their investigation and left both entries on my credit report and I have tried since XXXX to get this resolved. This is criminal to put duplicate accounts on my credit report and to make it appear as tough I have double the debt with this company who was sued by the FTC and to allow this to continue is really unethical and I am prepared to take this to every news media at this point because I have no help. Trans Union first denied receiving the initial dispute in XXXX XXXX, then when I filed a complaint with CFPB they alleged I had never disputed although I provided proof of the dispute. I then waited 30 days for them to address my complaint ONLY for them to leave both entries on my credit report after it was clear that this was impossible to have XXXX accounts with outstanding balances matching for the the same company XXXX. This is another attempt for XXXX aka XXXX to defraud consumers through the credit reporting and I would like to escalate this deceptive practice to the highest extent of the law! Trans Union 's investigation could not have found I have XXXX separate accounts so now they labeled both accounts with the same information but from a creditors standpoint this is like I owe {$46000.00} as opposed to {$23000.00} and is affecting my credit score overall. Please see attached documentation that confirms TransUnion did nothing except contact the fraudulent company and no other investigation as to why I have both listed on my credit report when I only had XXXX loan with the company that was sued for this very thing! Please see all XXXX pages of the attached pdf TransUnion left XXXX entries on my credit report and I do n't believe they can legally ruin my credit with this fraudulent company. This was a predatory loan to start that has now turned into I owe them more than my house!

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 2022-04-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reach out to Wakefield and Associates multiple times to attempt to get proof of the debt they have reported to my credit report. The company will not respond to emails about this debt. I called the collection agency on XX/XX/2022 to attempt to get proof of the debt. I was told I would get an itemized statement within 2-3 weeks. I called the collection agency again on XX/XX/2022 to request the itemized statement and proof of claim for a debt they are saying that I owe. I recorded this phone call with their representative and I was told at this point they do not provide proof of debt. I was told over the phone the debt is valid and I have to pay it. I waited again and made another phone call on XX/XX/2022 to attempt to get proof of the debt once again. The representative I spoke with at this time told me I have to send an email to XXXX which I sent an email at this time again attempting to verify a debt they say is mine. Today is XX/XX/2022 and I have still not received a itemized statement after requesting well over 30 days ago. The debt is still reported to 3 major credit bureaus. I would like this debt removed as they will not provide me any proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I pulled up my credit file on Transunion on XXXX XXXX and all of my inquires was deleted.. When I looked at my credit report on XXXX XXXX, 2016 all of my inquires was back on my credit report without my knowledge. When I called Transunion on XXXX XXXX, 2016 they told me that I was not affected by the glitch. I explained to XXXX XXXX that I was affected by the glitch and I have my credit report showing that I had XXXX inquires on my report and they showed back up. I asked to speak with a supervisor he put me on hold several time then came back upset and told me that he could not help me and that he was going to terminate the call. I then told him " My next complaint will be with FTC for FCRA violation for inaccurate reporting on credit history '' he told me to do what I needed to do then hung-up the phone on 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: CITIBANK, N.A.
State: IL
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:
This is in response to Citibank 's response to Complaint XXXX filed on XX/XX/XXXX regarding being charged for merchandise not received. Citibank 's response is attached as Exhibit IV and states that a permanent credit was issued regarding the original disputed amount. However, Citibank continues to report late payments for XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX to the credit bureaus and shows an unpaid balance of {$180.00}. The unpaid balance and " late payments '' consists solely of interest and monthly fee charges resulting from Citibank 's original refusal to issue the above referenced credit that was ultimately issued effective as of XX/XX/XXXX. Citibank issued a temporary credit when the dispute was originally brought to their attention. However, the temporary credit was charged back on XX/XX/XXXX and Citibank began charging interest and monthly fees, as detailed by Exhibit I and supported by statement copies at Exhibit II. During the pendency of the dispute, all current charges I made were paid during the grace period and, as shown on Exhibit II, I ceased using the credit card completely effective XX/XX/XXXX in light of Citibank ' s refusals to timely investigate and properly resolve the dispute. Citibank 's charging interest and monthly fees on a disputed charge ultimately credited has had the result of taking my credit score that exceeded 800 down to the 750 's. 
I have also enclosed Exhibit III which is a CFPB policy stating that interest will not be charged while a disputed charge is being investigated. Common sense would dictate that the same would apply to monthly fees resulting from the same disputed charge.

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 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
It has been 10 years since I filed for Bankruptcy and the credit reporting company removed the item last month on my credit report then added it again this month to 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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in 2 certified affidavit in regard to my file. I did not au authorize anyone to pull my credit and put inquiries on them. ple please have these inquiries removed : ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XX/XX/XXXX ( 3 ) XXXX XX/XX/XXXX XX/XX/XXXX ( 4 ) XXXX XX/XX/XXXX ( 5 ) XXXX XX/XX/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