BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Summary : Cash back from refinance sent in uncashable check form. No response from Amerisave. 

Events : Notary sent by Amerisave supervised signing of refinance with cash back on XX/XX/XXXX. Cash back, in form of check, was supposed to arrive by overnight courier after closing. The check was dated on XX/XX/XXXX and arrived three days later. An incorrect check made out to me and my ex-wife for {$100000.00} arrived by XXXX on XX/XX/XXXX. I owned the house long before that marriage, my ex-wife was never on the deed to this house, was never awarded any portion of it in the divorce decree supplied to Amerisave ( dated XX/XX/XXXX ), and all of this information was clearly and repeatedly communicated in emailed communication with XXXX XXXX ( loan officer ) and XXXX XXXX ( processor ). I immediately contacted both XXXX and XXXX when incorrect check arrived on XX/XX/XXXX asking for payment by overnight courier as written agreement states. It has been eight days and three requests and I do not have my money or any information from Amerisave. I am incurring real financial damage in the form of lost investment income due to this neglect of their agreement. Amerisave is profiting from this non-payment of agreed funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an XXXX account which made the dispute months ago, I spoke directly to XXXX regarding this account and it was deleted from my transunion and XXXX report. 

I ask that please in the same way that those two credit agencies did, delete this account from my records since it only affects me negatively in my credit. 

Since XX/XX/2021, it has not had any updates until the date that was updated by a payment plan in an account that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

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 2023-05-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account on chime and someone scammed me and got my information used all my money and keeps changing my account information I tried this morning with chime but he was able to get back in because they wont let me change my password I dont know the person but I have the number the been using XXXX And XXXX they used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$0.00}

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 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX 3 transactions were made it started at a gas station then at a design store then XXXX a total of almost {$400.00}. They only refunded me the first transaction from the gas station but not the rest which I didnt dispute since they said my chip was used for the purchases when I clearly spoke to the rep when the transactions were being made. How can I argue with the bank its pointless at this point I feel hopeless and annoyed since today XX/XX/XXXX another transaction of {$8.00} was made having to go through it all over again. Canceling my card for the 2nd time less than a year its just annoying since they dont help me in clarifying why is my information keep getting hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX  I placed an order for ( 3 ) {$100.00} XXXX XXXX gift cards through the Citi Thank You Points portal. Immediately after placing this order, I received notice that one gift card was canceled. I then received an email with links to the two remaining gift cards- however the links took me to the same exact gift card ( Rather than receiving two {$100.00} gift cards, I received a duplicate of the same {$100.00} gift card ). 

Trying to resolve this issue through Citi was a very long and grueling process. I eventually spoke to someone in the Executive Office who explained there was nothing that they could do, this was an error on XXXX XXXX 's part, and that they would have to track down the issue. 

I've spent an additional month chasing down this issue with XXXX XXXX customer service. I've spoken to multiple managers in the escalations department. They have submitted multiple tickets for this as a technical issue, and then never followed up with me as they promised they would. Eventually I filed complaints against XXXX XXXX with the XXXX and Attorney General. 

XXXX XXXX finally responded to my complaint with the following - " We send gift cards in bulk to the credit card companies that issue them with rewards. In cases for problem, you need to reach out to the credit card company the purchase was made through. We are not able to find the order for the gift cards. We are only able to look up the gift cards themselves to see the balances and where they were used. This is what the associate that helped you previously did. They found the gift card numbers, not the gift card orders. There is a distinct difference. We are only able to replace a gift card if an order that it was used on is canceled or returned and the gift card was already processed. I apologize for this. '' At this point I really don't care who's fault it is. This has been one of the worst experiences I've ever had with any business. At no time did I feel like Citi has owned this issue for me, they've just pushed it off to the next person. 

Considering that CITI facilitates the purchase of these gift cards using their thank you points, and a CITI branded email delivered the erroneous, duplicated gift cards- I believe this is CITI 's issue to fix. 

I'm sure I am not the first person that has experienced this error, and I won't be the last if this issue is not communicated to a person who has the power to fix it.

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 2021-05-11
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I send a letter to XXXX XXXX XXXX, and Lexis Nexis from US Bankruptcy Cout saying they did not report to the following companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-16
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

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 2021-05-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I send a letter to XXXX, XXXX, Equifax, and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
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 XXXX 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 explanation
Consumer complaint received 2021-05-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to the company to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with this company nor do I owe any debts. 




LVNV Funding LLC- {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CHS, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I always have my insurance on me, these debts from the medical room can not be my fault, Ive paid and my insurance has and my credit is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: ATG Credit, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have informed ATG Credit of XXXX  fraudulence. ATG Credit decided to call me excessively even calling my job and trying to force me to pay them after I have asked them not to contact me because I have communicated to both XXXX & ATG credit of their error. ATG Credit was very disrespectful in stating that I need to take care of this matter instead of listening to or reading the statements mailed to them. They are very aggressive and only care about getting your money at any cost even if it could cost my job with their rude phone calls to my employer. I had to take an early lunch and tell their representative to NEVER call my job again before I seek legal action. 
This debt is the result of XXXX miscommunication within their departments. Also, their negligence in enrollment into their school. And they think it is fair because of their negligence and miscommunication to solicit money from me. I do not have one credit, nor degree, nor textbook, nor bit of education or information other than the fact that XXXX assisted in requesting Financial Aid for me to attend their school, then they stated I was not eligible and then decided I needed to pay out of pocket. If I had the money I would not have needed Finanical Aid, yet they dug this hole and left me in it. They forced me to withdraw from orientation because I could not afford to pay. If XXXX want the {$3600.00} they are requeting then they need to provide me with a partial degree, or education because they have provided me with nothing but falsities on my credit report and rude debt collectors.

My next complaint is that I have tired to dispute this on several occasions with XXXX and you feel this reporting on my credit report is accurate. I would like to know on what grounds, so are just as bad as ATG Credit and XXXX. On what basis did you come up with that information. I then proceeded to contact every XXXX & XXXX number listed only to not be able to contact anyone to rectify this matter. At this point I feel that educational institutions and their debt collection counterparts are a disgrace to consumers as well as XXXX as they all work together to devalue you and not value your rights and take each matter case by case and truly investigate a matter, especially such as this one because XXXX created this issue, it is fraud that they can rip me off like this, I have nothing to show for it but a poor credit score. And ATG Credit is a bully just as XXXX by stating the information is accurate. It is unethical and fraud what they are doing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2021 I made a withdrawl from my checking account ( XXXX XXXX XXXX XXXX XXXX to Cash App of {$300.00}. Only to receive a prompt saying " oops something went wrong ''. I checked my card number, banking information all are correct. I tried emailing Cash Support only to get no response. On XX/XX/2021I received an email message stating that it was my bank that rejected the transaction. Then I was told to call my bank to remove any blocks on all accounts. I did that. XXXX assured me that there no holds or freezes on any of my bank accounts. In fact they approved the transaction for Cash App. I have a receipt for the bank transaction. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Representative - XXXX

Company response to consumer: Closed with explanation