BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Smith Debnam Narron Drake Saintsing & Myers, LLP sent me a notice date XX/XX/2023 for a debt I owe to XXXX XXXX XXXX XXXX. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX and va benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the va due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the va and in the va XXXX XXXX and going to my many va appointments that take precedence over going to your summons and responding to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

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 2021-10-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bluebird sent a email on XXXX XXXX  and sent this : Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team NO FINDS NOR ANY REASON AT ALL!!!!!!!!!!!!!!!!!!!!!!! this is a XXXX hole card company and i have lost thousand of US DOLLARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
The card company has taken over {$2000.00} of my money in the last year!!!! 
Bluebird has a pattern of holding customer funds well beyond the prescribed period. When you call in to express your concerns, the agents become overly aggressive, overtalk the customer and speak in the most condescending manner imaginable. 

Also See from XXXX XXXX today XXXX Hi, XXXX XXXX XXXX Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$750.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

You have the right to review any documents we relied upon in making our determination.

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Bluebird appropriate information to input and I called over and over and over and can I never!!!!!!!!!!!!!!!!! get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason over {$5000.00}!!!!!!!!!!!!!!! 
appropriate information to input and I called over and over and over and can I get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason ... THEY HAVE BIG BALLS AND STEAL! 

even the customer service department the customer service in XXXX XXXX XXXX does absolutely nothing you call their extensions they give you circles did not even listen to your concerns that is one very complete corrupt company and they all deserve federal prison time and sent away forever they're corrupt as all get out!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted a request to XXXX XXXX the creditor ) to provide me with documentation which they have refused numerous times to comply with. Per FCRA guidelines the creditor must comply with providing requested documentation to the consumer or the account must be removed from credit reporting. 

I paid a collection account in full in XX/XX/XXXX. I received a paid in full notice from the collection agency who received the payment. In XX/XX/XXXX I opened an account with XXXX after comfirming my previous account was paid off. Later that same month the account appeared in collections again with a new agency. I contacted XXXX and asked for them to investigate which they did. XXXX stated the payment made in XXXX was returned in XXXX, XXXX weeks later. I received no notice of such from my bank. I asked for XXXX to supply me with a copy of said payment reversal which theyve refused and told me to obtain any documentation from the collection agency that I had paid, which has been out of business due to COVID-19. I received a notice of the full balance due from a new agency and paid a settlement offer just to stop fighting with XXXX. They are not compliant with FCRA guidelines, and theyve now been paid hundreds more than the original full balance paid in XXXX. Please see the attached correspondence as well as the paid in full notice dated 1 month AFTER XXXX claims the payment had been reversed. 

This dispute has been filed directly with Experian as of 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
Consumer complaint received 2019-06-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a 1099c to pay taxes from Chase credit card in XXXX after I have been trying to resolve a fraud case against my credit card since XXXX. My accountant has requested I request the FTC and CFPB look into this case further as he believes this case should have been documented as a fraud case back in XXXX and it never was by Chase. 

Chase has never acknowledged receiving or assisting in my requests and case. I have attached proof of the fraud and hacker who stole {$30000.00} from not only my Chase credit card, but also another card and my checking account back in XXXX after applying for a scam loan company called XXXX  or by XXXX XXXX. I submitted documentation via fax 2 different times in XXXX, with no resolve. This past year again, I've been trying to resolve this case including trying to pay off the account from a delinquent account and settlement offer by Chase in XXXX. Even after paying an agreed portion of the account, Chase still has never acknowledged the fraud or has closed my account. It is expected I will have to pay over {$10000.00} in taxes because this was not resolved properly by Chase. Please find all attached documentation and call me with any further question. Please help me as I can not afford to pay {$10000.00} in taxes this year. I was asked to file in XXXX with the attempt to resolve this with Chase. Chase has not responded to my requests this year by phone, email or any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Convergent Outsourcing 2. Validate Account XXXX XXXX XXXX 3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.

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 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Refusal of credit to firearm related businesses. 

As a Bank of Amrica credit card holder for more than 20 years, I find it deeply troubling that Bank of America is choosing to discriminate against businesses that are legally and lawfully operating a firearm related business. I also find it deeply troubling that this company, which is part of the same industry that nearly wrecked our country 's economy in 2008 due to their greed induced mortgage practices- that required the nations largest bail out in history, are now refusing to extend credit to those businesses that meet the company 's financing underwriting but do not agree with their political views. 

I am a firearm owner, and regularly use my Bank of America credit card to complete firearm related transactions. Although, I have not yet had my card declined due to the classification of the item I am purchasing, if Bank of America can discriminate extending credit to a firearm related industry company, what would stop them from extending credit to a me, as a consumer, for a making a legal and lawful firearm related purchase?

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NC
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:
This is a complaint against XXXX  XXXX XXXX. The people I dealt with claimed to not to work on commission and introduced themselves as something else and not a salesperson. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was promised of rental income as well if I decide to rent it out to others. They said it had some tax benefits similar to owning a second home. I was pressured because they're saying that it was my last chance to grant me the lowest price being offered. They took my ID to make copies, I was given gifts such as a bottle of champagne and a gift card. Everything felt rushed especially and some information we deliberately skipped or withheld, I was never made aware of all the fees involved. I'm old, and they used that to take advantage of me. This has just been very stressful for me, I was simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2021-04-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XXXX 2021 after following this promotion all the conditions. 
But I haven't received {$100.00} for these direct deposit activities. 
I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates )

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 2021-04-20
Company: Mar Joe Enterprises
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership.

Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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:
In XXXX of XXXX, I purchased a copy of my XXXX, Experian, and XXXX credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, SSN Card, & Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.

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 2019-12-29
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Social Security check went into bank. The credit company the loan is with, Advance Financial, took money out too early contrary to my check deposit day and the agreement signed. Not only did they take one payment out, they did it twice, over drafting the account. Now there is no money in account for rent and credit co refuses to refund any money they illegally took.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation