BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was XXXX  and on XX/XX/XXXX. XXXX XXXX a friends husband had a card sent to his house expidiated. Without my knowledge. He activated this card and withdrew my ssi benefits for the months of XXXX XXXX and XXXX. For {$720.00} {$740.00} and {$740.00}. 
They also had a drivers license sent to there house in my name. I wrote direct express and explained I was XXXX and no one had authorization to use. I didnt get our until XXXX XXXX. 
I found out then going to social sercurity that I owed these funds. {$2100.00} Which i am having to pay back. Due to Direct express dening my claim. I sent everuthing that they requested. I filed a police report. I am experiencing hardship and a fincial lose and strain from this clear act of fraud. I need help. They are ride hang up and dont answer any questions I have. This is a clear case and they have lied to me as well as cheated me out of the rights as a consumer has

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: IPAC'S Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Debt collector from Advanced Recovery Services, XXXX XXXX, deceptively addressed my personal XXXX  debt to myself and my wife. This deceptive, because if this is submitted to the credit bureaus, it will impact my wife 's credit as if this medical debt was her 's -- which is not. I contacted the collection agency in XX/XX/2018 by letter requesting the removal of my wife, XXXX XXXX, from the debt and to cease and desist including her in this debt. I realize this is a deceptive way to collect the debt and cause irreparable harm to an entire family, instead of just the XXXX adult that owns the debt. This is why I gave the agency the chance to fix their error in judgment before submitting this complaint to you. After XXXX, they have mailed further collection letters, continuing to address them to myself and my wife. I have no recourse but to file this complaint with you and request your help in this illegal and deceptive practice by this debt collector and his or her agency. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : 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

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 2018-03-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card company : American express Issue : 1 ) I requested for a name change on one of my addition cards that I gave to my friend. This request was to change the card name from XXXX XXXX to XXXX XXXX 2 ) however, after serveral unsuccessful attempts, Amex effected a name change erroneously for my card and account. Amex had erroneously change the principal card and account from XXXX XXXX XXXX to XXXX XXXX instead of the request in ( 1 ) 3 ) upon realising this error, I contacted amex on various channels - online banking, online chat, tweeter for more than 10 times to rectify the error, however, they refused to rectify the error they had made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: DISCOVER BANK
State: WA
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:
Our Discover card was used fraudulently last summer. We contacted them immediately and let them know that we had this problem and that the person who did it also changed all our online log in information. Discover card let them change it. They said the person who called had our information and Discover card let them change all contact information except for being in our name and our address. The person spent all the money in a 3-day period. I first put a freeze on the account. The person who was stealing the funds took the freeze off. I then called Discover card and was told that they would investigate tithe told me we should freeze our credit since it appeared my husbands identity had been stolen. When asked what else we should do they said that was it. On XX/XX/2019 they sent a letter saying it was not fraud, they knew it was us and that we had to pay. We called again. Kept asking for a supervisor or someone who could make a decision. We were continuously put on hold and then told there was no one for us to speak with and that we had to pay. They then asked if we had called the police in XXXX. I said no, that was never suggested when we asked what we should do. They then said that because we did not call the police, they would not help us and we had to pay. They sent another letter XX/XX/2019 stating it was not fraud and we had to pay. We called again and requested to speak with the highest supervisor or decision maker. They said they would pass us along and promptly disconnected us. They sent another letter XX/XX/2019 saying that they would not help us. During this time they would call us every day to threaten us with collections. When I would explain why we would not be paying they promised to find someone who could help us but of course did not. I finally told them that if they called again I would turn them in for harassment. The calls finally stopped. In XXXX we asked our attorney to get involved. He wrote a letter demanding a response within 15 days. Nothing was ever received. Our attorney recently gave us information on how to get in contact with CFPB to help with this matter. We canceled the credit card last fall and will never use Discover card again. We pay all our balances monthly and never carried a balance with Discover card. They refused to see that we are not the kind of people who do not pay their bills or look at our 20-year history with Discover card. And they are ruining our credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have submitted requested documents multiple times to this company but they refuse to acknowledge and accept them. I dont know if they are unable to see them or what is happening I was instructed to send " ( i.e. *receipts*, invoices, emails ) that *displays the merchant contact information, transaction date/time, transaction amount, and cancellation details. * '' Which I have provided multiple times and still my complaint is not being filed. At this point I feel there is miscommunication. I have requested my request for a dispute be sent to someone else but nothing has come of my complaint thus far. I just keep literally recieving the same email requesting the same details that i have sent time and time again with no further instruction or filing of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Financial Service Center of Ohio, LLC
State: OH
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 applied on XX/XX/XXXX18 for a payday loan with XXXX of ohio. i was approved for XXXX dollars but later the same day i returned the money and cancelled the loan because i changed my mind i signed paperwork stating the loan was cancelled. i returned today XX/XX/XXXX18 to receive a new loan because i wanted to pay off the new loan on XX/XX/XXXX2018 and the old loan would not let me go out that far. when i went in to the store i was told that i didn't need to reapply because they still had my information from last week. all i had to do was provide a new copy of my bank statement with the last 30 days of activity on it which i did. the woman then states i was declined this time because they have just changed their underwriting process. i had no idea that they would pull another credit report from a agency called XXXX XXXX. i did not sign or give consent to have any credit report pulled today but they did it anyway. the woman in the store said nothing to me about this. i was given an adverse action letter but when i called the number it was XXXX corporate office and they would tell me nothing but i spoke to the district manager and was told they used my original application to run my credit again. i spoke to her on the phone last week and she stated all i had to do was provide a new bank statement. i believe that this company has violated the fair credit act because they ran my credit today without my consent they also threatened to misuse my personal information if i kept calling them to find out why i was declined .. this company is shady at best and i believe they misuse personal information and XXXX XXXX purchases this information from them to use improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: EQUIFAX, INC.
State: VA
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:
XXXX, XXXX XXXX and Equifax are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a robotic message from a collections company claiming to be Midwest Recovery LLC. My mother and husband received similar calls for me from this company. I had no communication from them prior to this date. The same date, my XXXX  and XXXX  credit reports showed collection accounts with this company. I know this is not legal. No notification of this alleged debt, no information until the date you report it? What about my right up dispute the validity of the debt? The next day, the account was on my XXXX   account. I have no collection accounts on my credit report. I have good freedom. I believe this company seeks out those in situations like mine do they can bully them into paying a fraudulent account. They know they care about their credit. I called the company on the morning of XX/XX/XXXX, anguished about my now tarnished credit. Before I could get two words out, the representative told me the debtor would accept less than 50 % settlement and delete it from my credit. To me this proves this company is fraudulent. Why wouldnt you want the full amount I owe and why would you use credit deletion as a bargaining tactic? I didnt ask for it. You offered because you get people to pay just to get it off their reports. You are bottom feeding snakes. Disgusting! The account is not mine. I have a military spouse. That makes me ineligible for these types of products. I have not taken a payday loan. I literally have 15 credit cards. I don't need a payday loan! The checking account number they provided in which the alleged funds were deposited is not mine. I have been employed with XXXX XXXX for 12 years so I have an account with them and XXXX XXXX. I almost offered to pay just so they would take it off my credit. I almost fed into their deceitful tactics. This is UDAAP at its finest. But I refuse to let them get away with this. There are so many online complaints from other people with the same story. You should be ashamed of yourself, Midwest Recovery!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from the FTC regarding a pending lawsuit between them and Ameritech Financial. I tried contacting Ameritech directly but was unsuccessful. I have been making monthly payments to them for almost two years! I am very confused on what steps need to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The balance on one affirm loan is XXXX paid off the balance on the other affirm loan is XXXX For two months I have asked this company to update my credit report to show accurate information and they have refused. Also I filed a dispute with the credit bereau Experian and they lied to Experian about the balance. 

I want the report to show accurate information as to fcra laws.

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 2018-08-30
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My Husband & I joined XXXX XXXX a year ago and I am on the account.We always paid our bills on time.Since joining my Husband has ended up in XXXX & left me with XXXX money. I am low income & have a small child to raise.Our FINAL bill was {$160.00}, I emailed XXXX XXXX asking for a payment plan of {$20.00} a month ... .more if possible.They accepted my request.My first payment was for {$20.00} & my second for $ 50.All the sudden I got a call from a collection agency named GC Services requesting the remaining balance of 99.00.I was upset bc my account was actively being paid off already.I never breached any agreement with XXXX.But I agreed to pay the balance on XX/XX/2018, as long as XXXX sent me a email or letter promising that they had not damaged my Husband 's credit record already.Not a lot to ask, if I am gon na pay them as requested.Tmw is XX/XX/XXXX & I have received nothing from XXXX, to this day . GC Services promised that I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My identity was stolen. I have charges for XXXX XXXX. I contacted them to let them know it was fraud. I asked for a copy of the applications and or account used for the fraud as per my right under this department and here 's the response : The message sender has requested a read receipt. To send a receipt, click here. 


Dear XXXX, I did not speak with you earlier this week, and was not informed that your wallet was stolen. 

Since we are a law firm we must protect our clients information, but if the police make a request I can send it to them. Your name was not used and the card was provided as if it belonged to the person. 

We have already refunded the charges to your card. 

Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Main : XXXX Fax : XXXX ****************************************************************************************************************************** This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The information being transmitted is intended only for the use of the individual or entity named above. If the receiver of this electronic transmission is not the intended recipient, please be advised that any dissemination, distribution or copying of this communication is prohibited. If you have received this electronic transmission in error please notify us by telephone and delete this message and any attachments from your computer system. 

****************************************************************************************************************************** From : XXXX XXXX [ XXXX : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Affidavit of Forgery XXXX Per our conversation earlier this week, my wallet was stolen as was my identity. So I certainly do NOT know anyone by that name. 

Per the FCRA I am entitled to a copy of any and all applications and other business records relating to transactions and accounts that have that have resulted from the theft of my identity. Please consider this my formal request for records. I would appreciate the records being sent electronically via email so that I can turn them into XXXX Police. 

I will complete the affidavit this week and return to you. Do you require a mailed copy? 

I'm not clear why a refund would be issued. My bank has already flagged the transactions as fraudulent and reversed the charges. What I do need written assurance from your organization is that no further charges will occur. I've done extensive research on your firm and auto charging seems to be a matter of complaint regarding your offices. 

I look forward to receiving the copies requested and for this matter to be closed. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/2018 by Alltran Education about a debt I know that I do not owe to the U.S. Department of education. The supposed principal balance is {$3500.00} with an interest of {$35.00} and added fees of {$860.00}, adding up to a total of {$4400.00}. I know that this is a debt that does not exist, however, because when I log into my Federal Student Aid account thing with my FSA ID it is nowhere to be found. Nothing like this has ever happened to me and I have no idea what to do, so please I need help? I know this debt doesn't exist but I'm still scared. They threatened that my debts would be reviewed for Administrative Wage Garnishment and I could have up to 15 % of my wage be withheld by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX is my 2nd mortgage holder, they have and continue to report me as 30 days late per my credit report. I was involved in a chapter XXXX bankruptcy since XX/XX/XXXX and have made my payments to the trustee every month religiously and they reported me 30 days late since XX/XX/XXXX with the most recent as of XX/XX/XXXX. I have been making my payments to them on time since XX/XX/XXXX and they agree that I have been current, they can not fix the late reports they say. I say they can and their errors are causing me to be denied for a fha refinance that will save me {$400.00} a month. I think XXXX XXXX XXXX just wants to keep me with their horrible loan product that I did NOT UNDERSTAND was a monthly interest rate change and feel that I have been taken advantage of. I knew it was a interest only and adjusted every year not monthly. The note does not show a monthly or annual adjustment either. I feel that I am stuck with them and they are horrible to deal with. I have to ask them every month for my payment amount as they haven't sent a statement to me unless I request them. 

Please look into this for me ASAP as i am distraught with dealing with them and my bankruptcy attorney has said I should dispute this with you and the credit bureaus but I dont know how to do that either. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: PMAB,LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regards to PMAB LLC. You responded to a complaint i had made and your comments back to the complaint through CFPB was that you closed the account and deleted it from my credit reports on the XXXX of XXXX. I then responded back saying you deleted it and re added it to the credit files. I have the proof to show it and I'm tired of the CFPB just taking your word for it instead of actually looking into it. Delete it from my Credit files.

Company response to consumer: Closed with explanation