BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
See letters sent, please fix my personal info, the account reporting inaccuracies and the unauthorized inquiries

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: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX, located at : XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from Zales Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the XXXX XXXX XXXX XXXX requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and 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 On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " XXXX '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX has used my credit improperly. After reviewing my credit, they have reported 2 late payments. First, late payment was reported in XX/XX/2022 and XX/XX/2022. 


In accordance with the Fair Credit Reporting Act- 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 instruction.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2021-08-12
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 my XXXX XXXX Account was placed on hold. I was emailed on XX/XX/2021 by Chime Member Services that my Spending Account was closed after a recent review. The same day I emailed Chime Member Services asking why my account was suddenly closed with no warning after I had provided documents confirming my identity when the hold was placed on the accounts on XX/XX/2021. I was sent multiple automated emails from Chime on XX/XX/XXXX and XXXX and attempted numerous times to get into contact with them via phone, email, and social media where I was then blocked for hours after requesting help regarding my account closure. I was told by Chime Member Services as of XX/XX/2021 my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To access any remaining funds further documentation was requested although I had sent those documents already and should have been on file. I continued to email and received no response from Chime. I repeatedly requested documentation from Chime to show how and when my account was not in accordance with their policies but I was refused and sent links to the policy and automated messages from Chime Member Services. I was told my Chime Member Service representative " XXXX '' that a check of the remaining balance in my accounts would be mailed. I have never received a check as of XX/XX/2021. I emailed Chime Member Services on XX/XX/2021 for an update on my check and was sent an automated message. I reached out again on XX/XX/2021 to Chime Member Services and received an automated message. On XX/XX/2021 I was told I was " ineligible '' for a refund of my remaining balance. I sent documentation of the email stating I was to receive the check with my remaining balances as stated a month ago. Chime responded they were " unable to disclose further information about the closure of my account '' and attached a link of their policy and have yet to respond further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Emerald AR Systems, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an on the job injury involving my XXXX XXXX. I was given a claim number regarding my injury through XXXX, Department of Labor. My Doctor ordered an XXXX at XXXX XXXX XXXX XXXX XXXX  approximately XX/XX/XXXX. The bill was never paid by the Department of Labor because if an incorrect code on the bill. I started to receive letters saying I either pay the bill or it goes to collections. I have called both XXXX XXXX on numerous occasions as well as 3 way calls with my Human Resources dept with XXXX XXXX. The last conversation with XXXX XXXX was approximately XX/XX/XXXX and I was told that the Department of labor paid the bill of {$1200.00} but there was a banking issue with them receiving the funds. I was told that same conversation that I would be taken off the collections effort by Emerald Ar collections. I asked for a receipt of this transaction either by mail or email and the person I spoke with said they would proof that the situation was handled and it was in their hands to get the banking issue resolved. I have spoken with the DOL and they claim they paid the bill as well. 
The debt collector Emerald Ar collections just charged off the entire amount {$1200.00} to my impeccable credit lowering it about 60 points as of XX/XX/XXXX. 
XXXX XXXX Is located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, phone ( XXXX ) XXXX Emerald Ar Collections phone ( XXXX ) XXXX. Please help me in this matter as I dont know what else I can do. Thank you for your time. Respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Bread Financial Holdings, Inc.
State: DC
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:
After a long ordeal of refiancing my home, my husband and I was able to pay off all of our consumer debit, including Comenity/ XXXX XXXX XXXX XXXX  Mastercard Credit Card XXXX or so I thought. The statement due XX/XX/2022 said that the balance, in full, was {$11000.00}. We were not due to close on our re-fi until XX/XX/2022, so I made a payment {$370.00} on XX/XX/2022, so that I could reduce my balance, avoid late fees, and keep my credit score good, so as not to affect our closing. The next statement, due XX/XX/2022, stated that the balance was {$11000.00}. Due to our lender obtaining amounts prior to me making a payment, they used the XXXX balance to write the pay-off check, in the amount of {$11000.00}. This was {$120.00}, over what the XXXX statement said was due. 

After closing, the pay-off check was received by us on XX/XX/2022 and immediately mailed to Comenity. Comenity received the check and posted it on XX/XX/2022. This was 9 days BEFORE the due date, so the payment was not late. It was my expectation, based on their own writing, in the bottom section of my statement, under the heading " Paying Interest. ", which states, " Your due date is at least 25 days after the close of each billing cycle. WE WILL NOT CHARGE YOU INTEREST ON PURCHASES IF YOU PAY YOUR BALANCE BY THE DUE DATE EACH MONTH ... '' that my balance would be paid in full and that I would have a {$120.00} credit on my account. As such I made two small purchases in the amounts of {$15.00} and {$20.00}, which still should have left a credit of {$92.00}. However, the next statement due XX/XX/2022, didn't show a credit, but said that I owed {$120.00}. They claimed it was " residual interest ''. When I challenged them, based on their own writing, they couldn't refute that the statement clearly says that they wouldn't charge interest. Instead they tried to gaslight me by saying that I should have paid it by the due date. When I pointed out that it was not only paid by the due date, but paid almost 10 days in advance, with an overpayment of the actual balance, they refused to refund my account. I sent messages through the online messaging and spoke with three different people, all the way up to the accounting department. They just kept rehearsing the same script about " residual intererst '' and refused to make the correction. I, even, requested a detailed accounting of the formula they use to compute interest and was told that it would be mailed to me, but of course, it never was. 

Furthermore, after reviewing my account and awards, I realize that their math has been fuzing in how they calculate my cashback awards, and that my awards balance should have been higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Experians fraud dispute department located in XXXX XXXX. A male agent answered the telephone and identified himself as XXXX. XXXX then deliberately and willfully hung up on me for whatever reason. I have called Experian on several occasions and never had any agents hang up on me except when XXXX from the fraud department answers the telephone. 

I have gotten XXXX several times and each and every time the call is disconnected at the onset of the call. This is unprofessional and reflects poorly upon Experian. This is preventing me from filing a fraud dispute over the phone, pursuant to my rights under the Federal Fair Credit Reporting Act. This is, among other things, an abusive practice. Mikes behavior is improper. I have all of the recordings with XXXX recorded. 

Please be advised : this notice is an attempt to correct Experians egregious behavior and any information received from you will be collected as evidence should any further action be necessary. 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. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : 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 explanation
Consumer complaint received 2021-08-12
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter XX/XX/XXXX From XXXX XXXX XXXX that there computer system was compromised XX/XX/XXXX. I am disputing this account with AARGON COLLECTION AGEN Original creditor : XXXX XXXX XXXXXXXX for {$7700.00} that was opened on XXXX XXXX. I have the right to accurate information on my credit report and from what the letter says my Identity was possibly stolen and account compromised now I have to take steps to protect my identity. XXXX has given me an individual code for XXXX privacy for 12 months of credit monitoring.

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 2023-01-25
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My friend referred me to their savings account that offers an extra 1 % APY for 3 months for the persons who referred and who was referred. You get an additional 1 % APY for each additional referral you make ( up to 5 per year ). I accepted the referral, so my friend and I should have 4.3 % APY for 3 months. I then referred my mother and brother, so I should have 9 months total of 4.3 % APY. However, my friend wasn't credited for referring me and I wasn't credited as being a referred new member. Thus, she has no referrals listed and I only have 1 referral on my checklist. We have plenty of evidence supporting being an issue on their end and have spoke to the bank multiple times via phone and chat ( including one time where they required us both to be on the phone at the same time, forcing us to reveal our private information to each other, and then gave us a " tech ticket '' that was never followed through on. I've spent hours with them and they continue to promise it's fixed and then don't. I just got off a call with them today and now they're telling me they won't do it at all. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts. I seriously question whether this is intentional avoidance of adhering to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management , Inc for committing identity theft. I have never given Midland Credit Management XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Midland Credit Management , Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management , Inc continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: MoneyLion Inc.
State: PA
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 not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MONEYLION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX we ( XXXX & XXXX XXXX ) issued a credit freeze request to all 3 companies due to news reports of online fraud. In XXXX we wrote letters to all 3 to lift the freeze off our accounts. I have confirmation letters from all three that cancels the freeze ; however, Transunion never did that. I have called, I have written numerous letters, etc. but I just tried to change my electric company to lower my rates and once again received this message : " We have been notified of a credit freeze by TransUnion credit agency and are unable to process your service request online. Please contact TransUnion at XXXX for more information and to remove the freeze. Once your inquiry has been resolved please re-submit your order here at XXXX  or call XXXX at XXXX to submit your order for this plan over the phone. '' I am XXXX XXXX XXXX. I can not deal with these people again. They lie. We cancelled this freeze 4 years ago. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX 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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through Chase Auto, started in like XXXX. I refinanced the vehicle with XXXX XXXX XXXX XXXX in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by Chase Auto as late payments are inaccurate as they received a check in hand in person at a Chase Bank location as instructed paying the vehicle in full and were to release the title and or lien to XXXX XXXX XXXX XXXX. While I initially got a low rate for my vehicle with XXXX for monthly payments that rate quickly skyrocketed because XXXX did not have the tile ot lien to vehicle which Chase Auto keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially XXXX approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with Chase it was at about XXXX plus when refinanced with XXXX it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While XXXX is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the XXXX banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from XXXX and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.

Company response to consumer: Closed with explanation