BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.

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 2015-04-29
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: ERC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX I received an invitation from American Express to upgrade my existing account to a new card with better benefits. I called the number on the invitation and was routed to XXXX. The rep who spoke with a heavy accent asked many personal questions in order to set up the new account. After about 15 minutes the rep asked if I wanted an additional card for my wife. My wife said yes so we answered more questions. I asked if my wife 's credit would show an inquiry and the rep said no. After another 5 to 10 minutes the rep said my wife was approved. I asked when we will receive our cards and he stated only my wife is getting a card. I asked him what is he talking about. He said he did not process my upgrade but did add another card for my wife to my existing account. She already had a card on my existing account. There was clearly a lack of communication. I asked to speak to his superior and was put on hold for over 5 minutes. He came back on the line and said np supervisors were available. I hung up and called a different rep and asked to speak to a supervisor. I was put on hold again for five minutes and then told no one was available. A few hours later I was able to speak to an English-speaking rep in America and told the rep my story. She told me the XXXX rep had not processed my upgrade, the reason for my original call, and had added another card to my existing account. I asked the rep why my wife needs two cards for one account. She said she would cancel the card that was opened in error. What do you think happened? She canceled BOTH of my wife 's cards. So, to recap, not only did they not act on my original request but they canceled all of my wife 's cards on the existing account. I called back and asked for a supervisor to call me to discuss the problem. No one has returned my call from American Express. They also put an inquiry on my wife 's credit report after telling me it would not be affected since it was my account and I would be responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: D&A Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
D & A Services, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, IL XXXX - Trying to collect on a debt that was completed in 2006 from returned damaged merchandise. The damaged merchandise was picked up in 2006 by delivery men of an XXXX store and XXXX sold the old debt to D & A Services. A XXXX XXXX, Manager, completed the return of the damaged merchandise. This was all done in 2006 and very old. We are not in possession of the damaged merchandise. I have notified D & A Services of the above and do not want them to continue with contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I purchased my home. In XXXX, I refinanced that home. Today, in XXXX, I am in a short sale. The reason is because my bank would not lower my 8.5 % rate to a more affordable rate. Yet, they are accepting a lower than market sale price. This makes no sense. I am being displaced so they could get less money for a home I was willing to pay completely for, just at a lower interest rate. I have exhausted all HUD options ( frankly there was only XXXX I qualified for ) and have done the deferrals with my bank. A lower rate is ALL I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a letter to all 4 3 credit bureaus Transunion, XXXX, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true

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 2017-03-22
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My father has XXXX and I have his power of attorney so I can help with his finances. American EXpress has failed to accept that P.O.A despite me sending multiple copies, the attorney on file 's name and phone number and an explanation that there is not a notarized ink copy, only an embossed copy that does not show when copied. The attorney 's office even etched over the embossment so they could see the notarization. There is only XXXX single embossed copy, so it is not an option to provide that. Every other company, including banks has accepted it. In the mean time my Dad is charging things he does n't remember or need and depleting what little money he has. I believe AmEx just wants his money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
I purchased an American Express Serve prepaid card from XXXX. The temporary card was activated successfully in-store and I loaded money into the card. This temporary card is supposed to be registered on the AMEX website to get a permanent card. However, I tried many times and everytime after I fill in all my information and card information the system says " Sorry we are unable to approve an account to you ''. The customer services are totally useless. They do nothing but keep saying that they do n't know but the " possible '' reason is that the system can not verify my identity. But I 'm 100 % sure that my information submitted is correct. They said nothing they can do, which is absurd. They also do n't offer the option that I send them my documents/IDs to manually verify. So basically I am not allowed to use their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After my bankruptcy was discharged, I received written communication from Navient that I had to start my repayment plan would start on XXXX/XXXX/2017. Several days later, I received another letter stating my request for forbearance was approved. I did not request a forbearance and have not been in contact with Navient. I am planning on paying my loan back because I do n't want to accrue any more interest on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XXXX of this year, I opened a credit card account with XXXX ( Comenity capital bank which is now Bread Financial ). 

I purchased items but made a return in the amount of {$160.00} to XXXX which was never returned to my available credit. I went to the store where these were returned and they said that I needed to contact Bread/ Comenity credit card to make a dispute. 

This company has no direct email address and utilizes outsourced " customer Service '' agents to which I contacted multiple times. Each time, I'm assured that this transaction would be reflected on my next statement this has never happened nor was I given a proper dispute # that was promised via email. 

Additionally, I made a purchase ( online ) in XXXX in the Amount of {$68.00} which was never received although they said it was delivered. 

I have made multiple attempts to pay what I do owe online and each time, the website says I can not make a payment at this time and I have to call in. 

I have since accrued additional late fees and interest because of this and this has been reported to credit bureau. 
Please advise XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Diversified Consultant Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX private loans totaling about $ XXXX with Navient. They used to be with XXXX XXXX, but are now serviced by a company that I believe is fraudulent and inappropriate. Having had loans with XXXX XXXX for nearly 20 years, I have NEVER had any problems and am up-to-date on my payments. This month, I just want to speak with someone to request an adjustment for two months ( I am a XXXX and cash flow is slow right now, so I would like to pay interest only for 2 months ). However, I call their customer service number and am put through to a person trying to sell me coupons. Once I was done with the telling the person I did n't want his deal, he hung up - I was never put through to discuss my loan. I called again and had to go through XXXX different recorded advertisements for " deals '' only to get through listening to everything and it said, " Please hang up now. '' I tried again and received a new phone number to call - XXXX - that was another road to nowhere. Basically, there is no customer service. This company is servicing $ 11K of my private loans with interest, they have access to all of my personal data including my bank accounts, and they appear to be running a scam. I had NO say in who took over my loans from XXXX XXXX - but while XXXX XXXX was n't fabulous, they appeared to be a business with an actually staff and customer service that did there job. Now, I have with absolutely no control over the circumstances been put at the mercy of Navient and have my private information with a company that I do n't feel has the integrity or infrastructure or knowledge to be managing ANYTHING related to my student loans or finances. This is completely and totally ridiculous. If you do not actually have service members to service your customers and you are essentially running " deals '' over the phones to channel your customers to dead ends when they need questions answered, you are likely running some fraudulent enterprise. I do not know what to do, as I do NOT want this company to have any involvement in my personal world and want a company/bank with integrity to service my loans instead. What are my options? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: ERC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.

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 2016-05-20
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

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 2016-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My debit credit card has been declined at drug stores on multiple occasions over the past 4 - 5 years.The attempted purchases were by my Wife who is buying her medications to treat her XXXX XXXX.She travels 4 hours by car to get the Best prices on her many Meds that she takes..I have complained to this Bank of America several times which has not been successful. My next step after you will be civil litigation with puntative damages to be accessed in time.Bank of America is a Disgrace to all who can not get their lifesaving Meds with their debit card and has had to use Cash for the past 4 years.I demand a federal investigation by the DOJ and this will be forthcoming.

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 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 
XXXX. Requested the closure of credit card about a year ago XXXX verbally. It remained open. 
XXXX. XXXX request sent certified mail through the XXXX Postal Service. Receipt confirmed. 
XXXX. Today, XXXX XXXX, a check in the amount of {$75.00} was received in the mail. The certified mail noted that the {$75.00} credit does not belong to me. 
XXXX. Placed a ticked off phone call today XXXX XXXX, 2015 to XXXX XXXX XXXX at XXXX MDT. This phone number is listed on their check # XXXX with a letter attached above the check. I called to let the answerer know that this money does not belong to me. She suggested I take it to a Bank of America. I stated several times it is not my money. 
Through out the recorded conversation by the Credit Card Issuer, I could not verify whether this account is opened or closed. She demanded my social security number ; I provided the last XXXX digit. She demanded my mother 's maiden name ; I refused. She wanted an account number which she was provided from the recent and only statement I have ever received. She requested my mailing address, which she was provided. 

It seem ; the intent is to keep this credit card open on an unknown generated credit of {$75.00} ; perhaps even superficial to keep this account open. I have not charged on this account. I HAVE NOT MADE XXXX PAYMENT ON THIS ACCOUNT. There seem to be no effort on their part to close this account. HELP ... HELP ... HELP ... PUHLEEZE ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing this information for months now. I had identity theft done to me with a macys account being opened up in my name. After months of investigation I received noticed from XXXX that the account is fraudulant and will be removed from the XXXX credit reporting companies. Yesterday I received a copy of my credit report from equifax and the results from the investigation on this macys account was ... .it has been verified as belonging to me. I do not understand how this is still reporting on my reports as I submitted a copy of the letter I received from XXXX fraud dept advising me that this account will be removed from my credit reports. Today I called equifax again and explained that this account should be deleted from my report. I was told that it is still reporting and they are waiting to hear back from the company. Last week when I called them I was told it was deleted and not on my report anymore. This is getting completely out of hand as I feel I am just being told anything and I have no idea if this account is on my report or if it is not on the report. I keep getting different stories. While I had them on the phone I brought up another issue in regards to my XXXX XXXX account that I submitted the letter I received from XXXX XXXX stating that the deragatory remark that is reporting as 1 payment late back in 2014 to be removed as this payment 2 years ago was NOT late. I have been requesting and disputing this XXXX account for months now as well. I explained to the customer service rep that this account should be reporting as accounts in " GOOD STANDING '' ... ..however it is still reporting as potentially negative. I want this information corrected because i am just getting all different stories and I feel this information is not being properly investiaged and the letters I am sending them as supporting documentation are just being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.

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 2015-06-08
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX 2015 I requested validation from CBE. Although CBE account was deleted from my credit report in XXXX 2015, as of today I have not received validation requested. According to credit report pulled XXXX/XXXX/2015, this debt is now held by XXXX.

Company response to consumer: Closed with explanation