BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
AMEX XXXX I request all information to which I am legally entitled related to this account to be mailed to my registered address as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection agency, assumes I have an acct with them, I asked numerous time to release proof of identification such as dL # and signatures along with records that I apply or put in a application of credit with this company the refuse to relinquish information. I would like for immediate removal from my credit as soon as possible. They keep send anonymous mail to my house, I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I made a complaint right here and they did nothing so this complaint process seems to be as bogus as checkngo 's promises. They broke the agreement and took money 3 days early. Then after I complained they said they would send me {$35.00} for their mistake. I sent them payment minus the XXXX dollars because i don't trust them/ now they say they don't have my money and are badgering me to pay them again.The loan was to be paid on XX/XX/XXXX they took the money XX/XX/XXXX the loan was for XXXX XXXX to be paid back with interest and fees. I paid them they broke the contract and now they claim i haven't paid. I have proof from my bank that shows all I am saying is accurate. They will not correct their mistake and they continue to punish me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Personal information incorrect

Complaint:
On XX/XX/2022 I mailed Experian XXXX documents that includes, inaccuracy reporting 's, undeliverable addresses list, and a copy of my identification & utility bill to verify my identity. These documents were sent through certified mail. It is now XX/XX/XXXX I have not receive any updated credit report from Experian. In fact they have not responded at all. It is well over the required 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX  makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: SYNCHRONY FINANCIAL
State: IL
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:
I notice that my credit report was ran without my consent on XX/XX/XXXX by  SYNCB/XXXX and on XX/XX/XXXX by SYNCB/AMAZON. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.

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 2019-05-03
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXXTRANSUNION FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE

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 2022-02-03
Company: Tate and Kirlin Assoc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is a complete hoax. Signed up for free ( shipping was {$6.00} ) XXXX XXXX which I never received and then they are trying to collect two bills in the amount of {$110.00}. Complete financial scam. Collection group on behalf of XXXX XXXX is Tate and Kirlin, XXXX XXXX, XXXX, PA. I have talked to them numerous times to dispute this collection effort. 

I contacted the XXXX XXXX XXXX and they have numerous reports about the same company. Now they are threatening to ruin my Credit!! 
Please help an American citizen and tax payer. These kind of con games hurt the American public!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Buyer Refund check was issued to me, when home was purchased, it was never cashed. Was stored in box with original paperwork and just recently located. Want check reissued. Money should still be owed to me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, American Express had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as XXXX XXXX XXXX,  but a different suite number. 

When I told XXXX at XXXX XXXX XXXX that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017 at XXXX XXXX UTC, I initiated a wire transfer of XXXX from XXXX to my bank, XXXX XXXX XXXX. I used the correct information for the wire transfer and included the appropriate memo message as requested by XXXX. I also included the correct account number for the wire transfer.The wire transfer was listed as "completed" on XXXX  after a short period of time (the same day), but the funds have never appeared in my bank account. I called my bank to try to find out if they knew anything about the transfer, but had no record of it.On XXXX I cannot find any pertinent information about the transfer other than the XXXX transfer ID, which is XXXX. I have opened a support ticket with XXXX and have not received a response yet. The Case # is XXXX for the support ticket. I've also sent a message to XXXX  official XXXX account.XXXX and Coinbase have stated that they have a backlog of outgoing transfers and that the transfers will take between 7-10 business days. I haven't received the transfer and have no way of contacting XXXX or Coinbase. In addition to the support ticket, I've called XXXX support phone number and been unable to get in touch with support staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian shows two "hard" inquiries on my credit report. Dispute of the items is not allowed online. I have called twelve different telephone numbers (multiple times) and after going through the identification process each number disconnects.  There is no way to talk to a person. A company by the name of "XXXX XXXX XXXX" with a telephone number of XXXX shows as making an inquiry.  I called there number and it is not in service.  Looking on line it seems this company may be in bankruptcy or is otherwise in trouble. I need the inquiry removed and there is no way to contact Experian.

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my account received a XXXX deposit in the amount of {$490.00}. The bank Claimed due to the reported fraud the XXXX transaction was returned on XX/XX/XXXX. A couple of issues occurred during the process. 

1. The Bank provides misleading information during the consultation. Recorded in the voicemail, the bank 's agent explained to me the nature of XXXX transactions is like cash. It won't be returned back to the sender without account holder 's permission. Please provide explanation on the misleading information provided by the agent. 

2. The Bank has obligation to investigate the case if there are fraud involved. Also the case has been reported and supported by the police. The transaction is legal and if the bank claimed fraud, it should provide investigation results since it's contradictory with the police report. 

Please explain those points in details : misleading information and contradictory conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase does not offer any form of two-step verification for its regular checking and savings accounts. This leaves my money exposed to identity theft and fraud. A simple texted code to my phone is what my other banks and accounts are doing. One gave me an actual " token '' for my key ring with a code that changes every 60 seconds. I will be leaving Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX / XXXX / {$550.00} XXXX XXXX XXXX XXXX / {$1.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: General Motors Financial Company, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Pressler, felt and warsaw are trying to collect {$320.00} from me for a debt i paid already the full amount that trying to get all over again is XXXX i do not owe that amount for an old 19 yr old account that i paid already. Its for XXXX but whats funny is i have XXXX  services now. Pressler sent me a subpoena question application threatening and lying to incarcerate me if i didnt pay again what i already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL 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 2019-05-19
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX I was with XXXX XXXX, I called and talked to them to cancel my service, since I was no longer under contract, I paid my last bill. I got a letter in the mail my account was closed this was also in late XX/XX/XXXX, the following month I got a bill from them for the amount of XXXX in a demand letter I refused to pa it, the account was closed and then sold to a different collection company, within 1 yr it was sold to XXXX XXXX XXXX, this was in XX/XX/XXXX, they are saying that it was in XX/XX/XXXXwhich it was not. After I asked to be put on the do not call list the calls stopped, I was getting at least 15 to 20 calls a day. Now this is now XX/XX/XXXX and they refuse to remove it from my credit report, I have informed them that once this account was sold it was no longer my account. They still refuse to remove it from my credit report as a collection debt. And it is hurting my credit score. I have disputed it over 5 times with the 3 major credit reporting agency 's it's still there, Then I contacted the 3 credit agency 's  and disputed it yet again. They refuse to remove it from my report 's. Even after I told them they were violation of the Fair credit reporting act. XXXX XXXX XXXX I WHOM I CONTACTED VIA THE DISPUTE ON THE XXXX XXXX   SITE. THEY HAVE DENIED MY DISPUTE NOW OVER 5 TIMES. I WANT THIS TAKEN CARE OF ONCE AND FOR ALL. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i tried to find out why the company was always charging me for remittances i never did. i just discovered it last XX/XX/2021, because i didn't have time to verify charges that were being done by this company as i got XXXX while in the XXXX, and more so the wifi system in the XXXX was inefficient. as soon as i reach america on XX/XX/XXXX, i iinvestigated and discovered that the company has charged me every now and then for a remittance that was never initiated. the amount taken from my XXXX XXXX XXXX  amounted to {$49000.00} for the whole year of XXXX i reported the scam to my bank, XXXX XXXX XXXX XXXX but the bank seems to be knowing the scam. the investigator reported to me that on their end, they knew only $ XXXX were scammed because some details could not be verified. then suddenly, XXXX XXXX XXXX changed tune, and said that they can only charge back aeround $ XXXX because i discovered late that scam that was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: MN
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:
My XXXX XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX credit card is lost/stolen.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: LA
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:
Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 instructions.

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 2021-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I woke this morning to alerts from all three credit agencies that a hard inquiry card application had been placed by Capital One on my account - after calling and confirming with Capital One that it was indeed fraud, they said they would log this after XXXX days. So my credit would be affected by fraud for 90 days, which is unacceptable.

Company response to consumer: Closed with non-monetary relief