BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: COMMUNITY CHOICE FINANCIAL, 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:
I just checked my credit report to see that 01 CASH CENTRAL is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was promised XXXX membership rewards points after {$5000.00} in spend in the first 3 months on my Amex personal platinum. There was confusion on American Express side because they credited the MR points prematurely. I had refunds coming and even though I had refunds in the first week, they- American Express- wrongly gave me the points. But I knew I had those refunds coming which is why I DID NOT withdraw the points, and i knew in the three months Id spend the {$5000.00}. I DID NOT withdraw the points that were deposited prematurely because I was demonstrating my honesty. If I was trying to defraud American Express, I would have transferred out those Membership Rewards points American Express prematurely credited to my account at that time. 

Instead American Express just gave me the points, then took them away and accused me of fraud. Instead of talking to me, or taking a wider look at the situation as a whole American Express could have very easily determined they had made a mistake in their conclusions. Amex was misleading, and they did not act in good faith. Had they only waited till my first statement was generated to give me the points, or at the very least second statement, they would have seen that I met the required spend without a problem. I have never committed any fraud when it comes to bonuses, and in addition I have a very high credit score. I didnt get that by being dishonest, and I rebuff any slanderous, or libelous claims American Express tries to make about me, or my stellar credit behavior. 

In addition to American Express disgusting behavior towards me on my XXXX membership reward point bonus I am entitled to, Amex also defrauded me out of my XXXX XXXX XXXX points on my American Express XXXX XXXX business card. As well as XXXX XXXX points on my personal XXXX XXXX XXXX. They now tell me it will take 6 to 8 weeks to transfer these XXXX points to my XXXX account, even though Ive already met the spend and all conditions relating to the XXXX bonuses. Ive already met all the conditions that they require of me to get my XXXX XXXX points. This is outrageous and fraudaulent behavior by American Express. 

I demand three things I am entitled to for which I followed the rules on, and that I have earned : 1. XXXX Membership Rewards Points on my American Express XXXX XXXX. 

2. My XXXX XXXX XXXX sign up bonus points for my XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX points on my personal XXXX XXXX XXXX for adding four authorized users and meeting the terms and conditions for that promotion. 

I am tired of American Express playing games, locking out rule abiding customers, and not using common sense when it comes to these bonus scenarios. I hold them completely culpable, and demand what is rightfully mine as quickly as possible to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2020, I paid a 'settlement ' amount with Amsher collection company for appoximately half of what XXXX said I owed them ( which is a whole other conversation entirely ). I am now, a year later, getting phone calls that this payment was 'declined due to insufficient funds ', which is a complete lie since I always keep several thousand dollars in my checking account. I had a confirmation number from them for the online transaction confirming that this had been paid. If this payment were 'declined ', they should have notified me immediately, not wait a year or longer to come after me and state that i still owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 don't have a XXXX XXXX. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.

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 2020-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN AN APARTMENT. I HAVE PROVIDED EQUIFAX WITH MY POLICE REPORT AND ID THEFT REPORT, XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. EQUIFAX HAS NOT. 

XXXX XXXX AT XXXX XXXX XXXX XXXX  OPENED : XX/XX/2015 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Borrowed money back in XX/XX/2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
XXXXistheonlycompanytocontinuetoreportthisaccountinaccuratelywhichconstantlybringsdownmycreditscoreeachmonth,photoattachedandtheaccountmustbedeletedfrommyreportbecauseaftermultiplecomplaintsyouhavefailedtofixtheissue!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a Paypal customer for years and am a victim of a cyber attack. 

The morning of XX/XX/2022 I logged into my Paypal account and noticed 2 unauthorized Paypal transactions ; one for {$980.00} ( Transaction ID : XXXX ) and another for {$970.00} ( Transaction ID : XXXX ). 

I also found out that my Credit Cards and Debit accounts were also compromised. I have also opened a case with my local Sheriff department ; XXXX XXXX XXXX XXXX case XXXX XXXXXXXX and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. 

I received an email from Paypal stating " You may request a copy of the documents we used in determining the final outcome of the investigation ''. I would like to receive a copy and also please help me understand what was written in the email : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 
I am the only authorized user of this account. I have not authorized these transactions. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 
I have not used my Paypal in over a year, and despite this, I have never used it for purchases online. It has always been used to send and receive money to family and friends. I have never interacted with XXXX and no payments were made or received prior to this incident. Which leads me to ask, how is this consistent with my Paypal Payment History? The first fraudulent transaction ( Transaction ID XXXX XXXXXXXX ) did not go through because Paypal deemed it to be fraudulent, so why am I being penalized when the system allowed it to go through the second time? 

Based on our review, we found this transaction is consistent with your PayPal history. 
To reiterate, how could this be consistent with my Paypal history when I have never made large transactions with Paypal. Let alone not having made transactions in the last year. And never with the email address in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX financial aid offices would routinely call students to inform them that their student loans had run out and pressure them to take on more debt. The bill for a two-year XXXX XXXX could run as much as {$90000.00} and leave students with little to show for it. I was told when joining the school that I had enough loans to sustain me but after I attended school under a year, I was told I needed to take out a private loan to stay in school. This was fraudulent on behalf of Navient and the school and after much research, I've discovered I am not the only one affected. At the time, the loan service was named Sallie Mae but Navient has brought their loans so I am paying them back. I am currently in the queue with the Borrowers Defense   Program for my Department of Education Loans because many of XXXX XXXX XXXX campuses have been closed due to its fraudulent and misleading tactics. I feel Navient/Sallie Mae is equally responsible because they were fully aware of the school 's tactics and helped convinced me the loan was needed. I was only XXXX years old. 

Loan Amount I was told I needed : {$14000.00} Disbursement Date : XX/XX/XXXX Current Balance as of XX/XX/XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.

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 2020-04-29
Company: Mr. Cooper Group 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: Information belongs to someone else

Complaint:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION XX/XX/2018 {$100.00} I demand for this collection to be removed immediately from my credit Bureaus. If this is not removed within 30 day period and I demand a letter with the confirmation. I am going to sue the collection agency for {$10000.00} as my HIPAA Rights have been violated.

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 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Since Tuesday night my complaints escalated to a supervisor on this morning XXXX then appeared XXXX lied that I did not have a claim after Tuesday night around XXXX XXXX indicated I had a claim that would take 45 days to resolve and transferred me to claims which was closed. 

I talk to XXXX around XXXX today whom were very rude that I did not have a claim and hung up the phone in my face said she were in XXXX  XXXX. I then requested an supervisor to address both issues and XXXX said she are in Texas. I believe she lied when she said I did not have an claim on my unemployment ending XXXX. 

Fraud confirmation no. XXXX Fraud Services Department XXXX XXXX XXXX XXXX XXXX, Tx 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 2020-04-29
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$360.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been working on my credit for several months. I filed an FTC report as well as wrote letters to the credit bureaus. I have not received any notification about any advances on the updates for my credit report. This is against my rights and my next step is to filer for litigation of the information is not corrected.

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 2021-07-08
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Credit Card - Costco Anywhere Visa Card by Citi XX/XX/XXXX XXXX - Received via email a fraud alert for my card for {$6700.00} to XXXX, location : XXXX XXXX Status : Declined XX/XX/XXXX XXXX - Called Citi to inquire about alert and request card be changed. Original card deactivated at this point, and new card issued. Disputed above charges with the agent on the phone. 
XX/XX/XXXX - Logged into online account for CC and noticed 2 other charges : {$1800.00} - XXXX - date - XX/XX/XXXX {$1900.00} - XXXX - date - XX/XX/XXXX Contacted Citi again via phone to dispute these charges. 

XX/XX/XXXX - Noticed that online dispute status listed the dispute was closed and I am found responsible. Called Citi again and was told the dispute may have been entered incorrectly, and that it would be resubmitted. Agent recommended checking every few days. 
XX/XX/XXXX - Called citi and had the dispute again submitted/reclassified from a " billing dispute '' to a fraud claim. ( Honestly I am unsure what is correct here. ) - Received letter in mail detailing that the original claim was denied as I have used this card with the merchant XXXX XXXX XXXX previously and that this should be directed to them. ( This doesn't sound correct per what I have read about the FCBE ( Fair Credit Billing Act ) ) Per advice posted on the FTC 's website, I am going to write a letter to Citi detailing my claim.

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 2020-10-26
Company: Checkr, Inc
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got a few charges expunged about a year ago, and they keep popping up on Checkrs background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Ive called key bank multiple times to have them send me a new card to my new address ive sent a change of address with photo and they still are saying they cant issue a new card im getting so upset because i have bills to pay can someone please help me get my unemployment card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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 information incorrect

Complaint:
I charge XXXX on my XXXX XXXX XXXX every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month equifax and XXXX pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, at XXXX XXXX XXXX XXXX XXXX, I tried to use my PayPal account on my phone, and I was unsuccessful. The account was locked, the email did not unlock it, chat was not offered on the app, initially was not provided with a customer service to call. After several attempts to reset via email and texts, I was provided access to customer service at XXXX. I spoke with XXXX, she wanted me to use my computer, which I did not have immediate access to. She had me try the browser on my phone and again it did not reset. Eventually she had me delete my app and reload it, that failed, She then tried to get me to set up a new account. I did not think that was a good idea, even though she said she would transfer the money to the account. Then when I agreed to use my computer, the attempt still failed. She put me on hold, and when she returned told me it would take 24 hours for me to access my money. I told her I thought that was against the law because there was no question about who I was or whether the funds were legitimate. It is a {$50.00} account. She said that was what had to happen. I said I would report it to the governing agency and she said that was ok. I asked her who governs PayPal and she put me on hold, then sent me a new email and asked me to try again. I did try and that time it worked. 
I am very unhappy about the difficulty I faced logging in and the poor help I was provided. The biggest problems were being told I would have to wait 24 hours to access my account during a business week and then being asked to set up a new account which she could transfer my funds to. XXXX told me my call was recorded. 
I would like communication with someone in authority at Pay Pal or know that someone in governing authority addresses this at Pay Pal regarding this issue and how it will be resolved.

Company response to consumer: Closed with explanation