BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
on XX/XX/2018 I had a taxi ride from XXXX airport to my home and was charged two times for one ride. There are two charges for exactly {$39.00} from XXXX XXXX XXXX on XX/XX/18. 

When I called XXXX XXXX XXXXXXXX Master Card I was told I can not dispute a bad charge once it is past 100 days old. They were able to confirm seeing the two identical charges the same day from the taxi company yet they refused to dispute the charge and asked me to call the cab company. 

I called the cab company, XXXX XXXX XXXX XXXX and they said they have no records from last year and instructed me to call XXXX who handles their billing. I called XXXX XXXX and they also confirmed they see the double charge, but could not help due to the amount of time that had passed. 

I have attached a copy of the credit card bill which shows the two {$39.00} charges from XX/XX/18. ( There is also a {$39.00} charge from XX/XX/XXXX but nothing wrong with that ) Best wishes, 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 monetary relief
Consumer complaint received 2021-11-03
Company: Chime Financial Inc
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My chime account was hacked and they closed my account chime will not replyback..I did not close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from XXXX on XX/XX/XXXX @ XXXX. They also called from XXXX on XX/XX/XXXX @ XXXX. I have asked them during both calls to stop calling but the calls persist, all from different # 's. I did tell them they are only allowed to send written mail, no phone calls. During the latest mentioned incident, she said they are allowed to call, despite me asking them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: EQUIFAX, INC.
State: OK
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:
account refers to XXXX XXXX XXXX. also known as XXXX  XXXX  XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau equifax to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect isXX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore Equifax has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT WAS PAID 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 2021-11-29
Company: Experian Information Solutions Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank XXXX XXXX XXXX is reporting fraudulent information to the credit bureau. XXXX XXXX XXXX reporting fraud to the credit bureaus

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 2019-01-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account - XXXX {$16000.00} XXXX  XXXX XXXX I filed an affidavit of Fraud along with a police report in XX/XX/2018 to Experian Credit Reporting Agency, the fraudulent information was removed and reinserted within 30 days. According to the credit law 611 the Fair Credit Reporting Act also requires the credit bureaus to inform consumers before the re-report a negative listing. Experian has violated my rights and I need resolution.

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 2018-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo collect my insurance and taxes monthly in an escrow account. However, they have failed to pay the insurance premium this year after several submissions without any response or explanation. The Policy is now set to expire XX/XX/18 for failure to pay. The policy will not be renewed if cancel due to fire hazard area. The premium will double if they continue to refuse to pay from my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to Equifax on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. Equifax claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because Equifax did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' Equifax clearly did not do any of this! 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to Equifax AND I will attach my credit report showing the inaccuracies that are still reporting. Equifax needs to follow the law and act ethically, or we will seek litigation and {$1000.00} per violation for the financial stress they have caused me. ACCOUNTS : 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, has violated my rights. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Attached is my credit report SHOWING they did not do a proper investigation and are still reporting bad information, I will also attach the tracking number for the letter I sent them asking them to make sure everything is 100 % accurate. These credit bureaus need to be held accountable! They are reporting major inaccuracies and harming my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.

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 2019-01-28
Company: Lockhart, Morris & Montgomery Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was employed by XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX. I was shocked when I saw a collections from them on my credit report six years later. Since they are a trucking company and not a lending institution, and since I was an employee, a XXXX XXXX XXXX, not a borrower, I filed a dispute with XXXX, who was able to remove the collections from my report. Then, XX/XX/XXXX the same collections shows up on my XXXX. After several disputes to no avail, on XX/XX/XXXX at XXXX, I contacted Lockhart Morris & Montgomery , the collections agent : they were very curt and simply concluded refuse to pay. On XX/XX/XXXX at XXXX, I contacted XXXX  only to find out that it was a ticket in OHIO that had come in after I had left the company ; as a company driver, all over-weight tickets and other fines are the responsibility of the employer ; I spoke with XXXX  collections personnel, XXXX , who could not figure out what the charge was for nor the code attached to it : " this kind of charge is usually from the Independent Contractor side. '' When informed that I was an employee, " Oh, why don't you call payroll and see what the code is for, then call me back. '' It is only after I spoke with payroll that I discovered the charge deriving from a fine in OHIO. Why I am supposed to be responsible for it? I don't know. Why seven years later? I don't know

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$1400.00} Opened on- XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Progrexion Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I called and set up services with credit repair.com on XX/XX/2020 as a result of issues I was having resolving a dispute on my own with XXXX. I called XXXX  and confirmed the dispute I submitted prior to contacting creditrepair.com was resolved and they would send me a copy of my credit report and letter of resolve. 
I contacted Creditrepair.com on XX/XX/2020 to cancel my account prior to them taking out my first payment on XX/XX/2020 for {$110.00}. According to my account, nothing has been done on their end other than accessing my credit reports and setting up my account. The representative then attempted to offer reducing my monthly payment to {$69.00} if I continued services with them because I had 3 other settled accounts that could be removed. I kindly declined just requested to close the account and if I needed them, I would call back. 
They then said they would still continue to process my payment of {$110.00} although they have done nothing to repair my credit and performed no services on my behalf in 5 days worth {$110.00} other than a 30 minute phone call setting up my account. They didnt even offer to prorate the payment, but offered to reduce the payment if I stayed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: ERC
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:
This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX 's XXXX : Accelerated Financial {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On multiple occasions I contacted netspend about activating a prepaid card I had purchased and on the 2nd day when the customer service hours were activated I spoke with multiple rep 's and managers and was made aware of another card that had been activated without my consent. During these phone calls I told the representatives that I had active at this time fraud alerts on all my information and public reports and why didnt they follow such guidelines laid out in the reports or contact myself on the phone number placed in the alert. I was given no direct answer to these questions and when asked if I needed to send a fraud affidavit over I was told no no no and no until the 4th day on a Saturday that I needed to. I had spoken with a manager the night before who stated she submitted a request and it wouild be processed on Saturday the next day to unlock the card and once again no, no fraud affadavit would be needed. Saturday came and I spoke with XXXX who stated there was nothing anyone at that time could do and she would be submitted a fraud claim against the other card that was preventing this one from being activated. I asked why couldn't I activate this one without any online features and she stated once again no, I wanted to do this so atleast I could have availability to the funds. XXXX was of no help and offfered no solution.

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 2018-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The other credit bureaus like XXXX and XXXX have removed my Bankruptcy that was reported back in XX/XX/2010, However Equifax will not remove my Bankruptcy have several request to do so. It should be remove. They will not provide me any type of date when this will be removed. I am tired of dealing with them and this is still on my report after 8 years is still hurting me. Trying to get a home etc. I am still living in apartment because of this. If the other follow the same guidelines then i believe Equifax should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 XXXX XXXX XXXX XXXX illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..

Company response to consumer: Closed with explanation