BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second dispute notice, You, I C SYSTEM INC # XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere in My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, I C SYSTEM INC # XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default is entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to I C SYSTEM INC # XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with I C SYSTEM INC # 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 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a current customer of XXXX XXXX. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}

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 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for 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 non-monetary relief
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically

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 2020-04-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had citi diamond preferred card since XXXX and HAVE NEVER MISSED A PAYMENT except for last month when I moved from XXXX  to XXXX and got into this COVID-19 nightmare. I couldn't rent an apartment because all showings have stopped, and my bills were not being forwarded from California to my new temporary address despite my request with USPS. So I missed just one monthly payment of {$160.00} BY ONLY 5 DAYS. Here 's what citibank has done in response " triggered '' the penalty APR of 29.9 % ( mob loan sharks collect less, as media suggests ), assessed me a late fee of {$29.00}, and already started harassing automated calls to " collect '' debt ( last call was received on Sunday, XX/XX/XXXX, in the morning ). It is indescribable shame with which this bank that got billions of dollars in free governmental handouts in XXXX is now trying to profiteer in the time of a national calamity. Please help to stop this revolting activity implemented by a detestable clique of unpatriotic corporate vermin who have no principles but are guided instead by greed, hypocrisy, and vileness.

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 2018-08-07
Company: Experian Information Solutions Inc.
State: IL
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/2018 I sent a letter to XXXX XXXX XXXX to remove all addresses and names on my file that are incorrect and update my credit file with the correct information. XXXX   XXXX XXXX did not remove all the incorrect Names and Addresses on my File so XX/XX/2018 I sent another letter with a copy of my Driver License and bank statement and Social security Card. providing them with my correct information still no corrections completed on my 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 non-monetary relief
Consumer complaint received 2022-03-01
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I linked my XXXX XXXX XXXX account to my newly opened Chime account. On XX/XX/XXXX I transferred {$16000.00} into my Chime savings account. On XX/XX/XXXX I attempted to transfer {$10000.00} from my Chime checking account back into my previously linked external XXXX account. 

Upon further review, I noticed that the last four digits of the XXXX account did not match any of my XXXX account information. I immediately contacted Chime support and tried to cancel the transfer. Chime notified me that the transfer had settled and I must file a dispute. I filed a dispute with the claim ID XXXX on XX/XX/XXXX. 

First thing Monday morning I contacted Chime support for an update about my claim and was told a claim did not exist. I then filed another claim with the ID XXXX and was told a resolution would be found by XX/XX/XXXX. 

I received an email on XX/XX/XXXX at XXXX notifying me that Chime found no error, no funds would be credited to my account, and the claim is considered closed. 

It has been less than 12 hours since the second dispute has been filed. I do not believe that less than 12hours is an adequate amount of time for a proper investigation. Chime has estimated up to 10 days to provide documentation of the dispute decision. I have requested a copy of the dispute documentation but Chime has failed to provide it at the time this complaint is being filed. 

Chime connected an unknown external account to my account then did not file a proper claim. This gross negligence has resulted in a considerable financial personal loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: SC
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:
Im a victim of identity theft!

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 2023-01-11
Company: Professional Recovery Management
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed this account with the bureau and the bureaus said it came back verified. I never received anything about this debt to know if it belongs to me and the original creditor. I'm not going to be paying a debt that is not mine. I sent a letter to Fox Collection on XX/XX/22 and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is against The Bureau Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have attempted twice sending out dispute letters via certified mail to the bureaus inc on XXXX XXXX and XX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$690.00} account # XXXX. At this time The Bureaus Inc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
XX/XX/20 Email received indicating credit limit on credit card reduced in half without any indication why, or forewarning. Called CSR confirmed but told to call after holiday for more info. 
XX/XX/20 Spoke with XXXX. She said could affect my credit rating-call # on card. 
Spoke w/ XXXX XXXX CSR ) -Told letter had been sent. Sorry I did not receive, but Chase decided anyone not using card enough would have credit limit slashed in half. Would not affect credit. No mention of 30 day option to stop action. 
Spoke w/ XXXX XXXX ( supervisor ) Told letter sent had ability to stop credit reduction if responded to within 30 days. Told could affect my credit EVEN IF I STAYED WITHIN THE SAME RATIO OF CREDIT USED AS A PORTION OF TOTAL CREDIT AVAILABLE. I asked considering never received letter and they email me all the time whether they could reverse the reduction. XXXX said no and I requested to speak to his superior. After a long time on hold he told me a colleague not superior could get back to me in five business days. 
I have had excellent credit ( 800 plus ) w/ no infractions my whole life. I am furious that this could affect my credit rating as a result of nothing I did to cause it. I am very frustrated with Chase for putting me in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Its a car Loan that I requested information on two times. I havent received any information. I disputed this a couple times. They picked the car up. I never got information to buy the car back. The loan was sold to gm from another company. I stop receiving information at that time. I requested the physical verification of the original signed consumer contract for the loan. I still havent received it yet. I was thinking section 609 ( a ) ( 1 ) Protecting me. 
The account is GM Financial account number 44406****amount XXXX Dont they have to remove it under FCRA?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning, Thank you for taking the time to look into this issue that I have with my private student loan company Sallie Mae.

Enclosed you will find a letter that sent to them regarding the drastic drop of 75 points in my credit report due to a derogatory remark. In addition to the letter I also provided my bank statement showing the Sallie Mae withdrawals that had to be made in order for me to continue with the 1 ) No derogatory remark on my credit report and 2 ) Money to be put down so I can get into the deferment plan due to my job loss from Covid 19. As you can see this letter was sent to them on XX/XX/2020, and still have no response from them. 

Please help me get this matter resolved so I can get gradually get back on track. 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: General Motors Financial Company, Inc.
State: MI
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 have title in hand with GM financial as the lien holder. I refinanced the loan through XXXX XXXX XXXX XXXX and the GM Financial loan was paid off on XX/XX/XXXX. XXXX XXXX XXXX XXXX and Michigan Secretary of State tells me I need to obtain lien release from GM financial in order remove their lien from my title and so that I can then place XXXX XXXX XXXX XXXX as a lien on the title. State law requires gm financial to provide a release of lien within 14 days for Michigan residence with title in hand. I have requested the lien release and proof that my loan is paid in full and GM financial has not provided. They have promised multiple times to fulfill my request and then come up with a wide range of reasons as to why they can not fulfill my request. They even went as far as to say that it's my fault because I paid the loan off too quick. I was required to keep loan for 30 days. I had the loan just over 30 days. Further, they have given me false call back phone numbers and extensions, false fax numbers and a false email handle to their resolution department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am paying my car loan back at a payment and a half per month with GM Financial to catch up after falling on tough financial times. Have discussed with them multiple times the plan. In the past 3 days alone, they have called me 15 times! When I questioned them, they said, well the computer says weve only twice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. As a consumer my rights has been violated numerous times by these credit bureaus and corporations. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. You CAN NOT have a late payment on a finance charge. VIOLATION!! Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also.Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
State: GA
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 or around XX/XX/2017 my secured credit card with a credit limit of {$300.00} was charged over {$1500.00} and I did not authorize that charge. How can a {$300.00} limited be charged out and the balance be over {$1800.00}? I have disputed it with the credit bureau and nothing has changed. Also, it had gotten removed from credit file for a few days but now its back on there and has drive my credit score way down again. The data on credit file isn't correct and up to date. The entire process concerning Wells forgot isn't doing anything correct and definitely causing me alot of headache with things not being right.

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 2023-05-16
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/, this charge from the Hilton XXXX XXXX hotel in XXXX posted on my account but the bonus points were not correctly calculated per the advertised multiplier of 14x for Hilton hotel ( rather 3x was applied ). Customer services response ranged from it wasnt their problem the local hotel didnt code the transaction correctly to we will fix it after the statement closes. It is misrepresentation from American Express to tell me when I charge something from a Hilton hotel ( and XXXX XXXX  was confirmed as being on the allow list by customer service ), I will get 14x that amount in Hilton bonus points if they are going to blame other parities. I have no control over that. This needs to be fixed immediately.

Company response to consumer: Closed with non-monetary relief