BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out  standing balance was XXXX which I paid in full.

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 2021-06-24
Company: Rocket Mortgage, LLC
State: IA
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 applied for a loan through quicken loans, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the quicken loan officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
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: Card was charged for something you did not purchase with the card

Complaint:
I am currently on my 5th phone call with Citibank in 3 days. My credit card number was stolen- I was alerted to a fraudulent transaction by text from CItibank on Monday XX/XX/18 at XXXX XXXX., I was told Monday at XXXX., card was being shut down and a new one issued. Since then, multiple transactions have shown, including 2 transactions, both to same vendor- one to old card after I was told it was closed and one to the new card that hasn't been activated yet. The first of these two charges I was told was declined, yet it now shows today towards my balance owed and a second charge for the same amount to same vendor is showing under new card number that wasn't even received when the charge was processed ( that's 2 charges to same vendor for same amount unauthorized and being cleared by Citibank ). I am told there are other charges, I am recieving emails that my balance is rising but Citibank will not tell me what those charges are or to what vendors they may be. I have spoken to 4 different people at Citibank just today alone- I requested the account be frozen multiple times including to 3 different representatives today and I am still getting emails from Citibank as I watch my balance continue to rise ( {$1000.00} since noon today ). I was told by one representative she was canceling the new card and sending a 3rd set of cards, I am now told the representative did not do any of the items she told me she was doing, and the balance due continues to rise. Citibank is dismissing the importance of the matter and is not acting on my behalf to protect my account.

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 2018-08-12
Company: EQUIFAX, INC.
State: NJ
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:
security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry :XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX+ Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
This is regarding my American Express business gold rewards credit card.
I met the spending requirement on XXXX 2017 ( {$5000.00} spending within 3 months for XXXX  membership rewards points - spent total of {$5400.00} ).
American Express is refused to award the points because it insists I called in to " cancel my membership rewards account, '' but I NEVER contacted AMEX regarding this account in any way. When I spoke to an AMEX membership reward representative about it, there was indeed no record or proof of this, so they said they will credit the account of the XXXX points in 8-12 weeks.
I contacted customer service mid-way just to check progress and a representative named XXXX told me it will definitely be credited. It has been 14 weeks and AMEX has n't credited my account.
I contacted AMEX again and was told the exact same story ( that it wo n't be credited because I cancelled my account ) and that they will try escalating the issue to have it investigated. But it was ALREADY investigated and I was ALREADY told that it WILL be credited ( twice! once by membership reward rep via phone and once by the customer service rep via the chat function ).
I am sick of having to go back and forth about this. I have met the terms of the contract and AMEX admitted to making the mistake about me cancelling the membership reward account and that they will credit my account for the XXXX - I just want what they said they will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name was put on the student loan application of my adult son without permission. I have notified Navient of this for years, and supplied affadavits of my signature, etc., written documents noting identify fraud. However, they continue to harass me continuously sending threatening letters, calling my office of employment and leaving messages on a non-secure phone line about my delinquency and threats of dire consequences. Navient has passed on information about the debt to people who answer the phone at my employment. This is in violation of the FTC Fair and Equitable Credit Act. Navient calls repeatedly after many instructions not to call me at work or at all. This has been going on for 6 years. Navient apparently is now notorious about their illegal tactics used with many consumers and I understand under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: MS
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:
To who this may concern, I am writing to express my concerns with the conduct of XXXX, Equifax, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a dispute with XXXX and TransUnion last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called XXXX and Transunion due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.

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 2022-07-10
Company: Synovus Bank
State: CA
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 recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Resurgent Capital Services L.P.
State: CA
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 am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have 3 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00}, XXXX XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-07
Company: WorldRemit Corp.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I processed a transfer through WorldRemit to a family member, XXXX XXXX XXXX XXXX, in XXXX. The transfer was placed in suspense since the receiving bank, XXXX, required a specific setting ( XXXX XXXX ) to be set on the account. Shortly after I received an email notification from Worldremit that all the recipient details had been changed including the name, phone number, and bank account and that the transfer was paid. I immediately called Worldremit to report fraud since I did not make any call to change the recipient details. I was initially told I would hear back from a representative between 24 to 48 hours ; 4 days later and I still had not heard back from anyone. I attempted to call many times and each time I was told that the fraud department did not take calls. Finally on XX/XX/XXXX I received an email stating that Worldremit acknowledged that fraud had occurred but that my bank would need to issue a refund. I called my bank and was informed that this was not true and that it was 100 % the responsibility of Worldremit to issue the refund for the fraud that occurred on their platform. I responded to Worldremit with this information on the same day and asked that Worldremit issue the refund and provide details on how the fraud occurred. I have not heard back from Worldremit since this date. The details of the fraud that occurred are as follows : Transaction # XXXX, transferred to XXXX XXXX XXXX XXXX with bank XXXX account number XXXX in the amount of {$2500.00}. 
The fraudulent account had these details : recipient ( fraud ) : XXXX XXXX XXXX XXXX. Mobile contact XXXX : XXXX. Bank name : XXXX. Account XXXX : XXXX. Type : Savings and I would hear back from a representative between 24 to 48 hours. It has now been 16 days and I have not been called or given any. I have called on multiple occasions and each time I am advised that the fraud department can not be contacted directly. This is an urgent matter considering {$2500.00} were stolen in this fraud. I am requesting that WorldRemit take immediate action to investigate this fraud and reimburse my bank account for the total amount. WorldRemit is fully accountable for this fraud since it was through their platform that the criminal was able to redirect the transaction. WorldRemit did not have the sufficient security protocols in place to prevent the fraud and it is highly probable this was an internal fraud. Here are the details of the transaction :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: TX
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:
There are several unrecognizable credit inquires on my credit profile. I do not have an open line of credit with the majority of these companies. I have written letters to the companies and filed credit disputes. They are responding that this is factual information. I disagree with their responses.

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 2022-07-10
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-10-24
Company: Global Lending Services LLC
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: Old information reappears or never goes away

Complaint:
I have reached out to this company several of times to work out an agreement to take care of this matter in which they refused to accept my payment agreement, which is a violation of FDCPA. I 've tried to settle with this company being that this debt is old, and still to no avail they denied to work with me, but continue to report this old debt on my credit which has reached the statue of limitations. This debt is XXXX XXXX XXXX and it 's still being reported on my credit. I am giving this company XXXX days to accurately update my credit report with the deletion of this item, if not I will be speaking with an attorney to pursue legally with an lawsuit.

Company response to consumer: Closed with explanation