BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company MBA LAW also known The Law Offices of Mitchell D. Bluhm & Associates Called me with treats and curse words and when I ask them about debt that they were implying about.I asked them to mail out to me so that I can verify it.They said that they would mail it out and they never did.They called back from a different number cursing and treating me once again then told me that they can email it to me.All I said is that I am not aware of this debt and that I needed more information .I gave them my email address and they said that they would email it to me.they never did .Today XX/XX/2020 was the first time it was emailed after they cursed and said derogatory things constantly to me and the email that they sent needs a password to open up .How does a company get the right to harass and torment people like that .I was even told No that they are not emailing me anymore because they sent it already.They never sent it until today. They are rude nasty and down right despicable to people .and I still do not even know what the bill is .I have XXXX, and I am afraid to answer my phone because they call from different numbers all the time treating me cursing and teasing me of my accent, RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. 

RIGHT TO VERIFY THE DEBT : A debt collector verifies the debt by giving you enough information about the debt so that you can tell whether you actually owe it. The type of information that must be provided changes depending on your specific circumstances. 

In most cases, verification should include, at minimum : the amount of the debt, the date of the debt, and the name and contact information of the original creditor. 
If you contest the debt on grounds of identity theft or mistaken identity, verification should include a copy of the original signed contract or note. 
If you contest the amount of the debt, verification should include information about payments made, and interest and fees charged and/or waived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, so in XXXX of XXXX I attempted to make a purchase online from XXXX XXXX. I never received the items so I submitted a complaint with XXXX and my bank, Chime Inc. XXXX said they refunded me but Chime said nothing was received so I submitted a claim with Chime. Chime denied the refund so I submitted a complaint with the XXXX. I first submitted a complaint with XXXX and over several months they submitted evidence that they sent/reimbursed Chime, however I never received it. I then submitted a complaint through XXXX  about Chime. They only got automated responses for months until finally I submitted evidence that I already showed Chime that XXXX refunded me and Chime never did anything about it. According to XXXX, they received this message " RE : Complaint # XXXX Good afternoon XXXX, My records indicate that as of XXXX Chime said the following regarding your complaint : Date Sent : XX/XX/XXXX XXXX XXXX  " I have reached out to ensure this complaint is resolved. 

Thank you! '' -Chime '' Since then, I have received no further communication and Chime never reached out. They lied to the XXXX  and never reached out to me. I got busy and didn't get around to submitting the information until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CITIBANK, N.A.
State: CA
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 asked to close this account on XX/XX/17 while keeping other Thankyou Points cards open. I just logged in and found that XXXX points were forfeited due to this closure since points expire 60 days after closure. This was never disclosed to me at any point during the call and I certainly wouldn't have closed the account if this was going to happen. This is not a policy with any other card issuer if you keep at least one account that earns the same type of points open. I expect that these be reinstated or I will transfer all my business to XXXX XXXX, who doesn't play games like this with their XXXX XXXX. The card was an XXXX XXXX XXXX XXXX XXXX card ending in 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 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
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:
The XXXX card was first offered to me through XXXX XXXX Bank as a points card. It was later sold off to Bank of America, who then changed the terms of the contract. Instead of life time miles as long as charges were made on the card annually, Bank of America changed the terms to allow miles to expire after five years. Bank of America is not honoring the agreement and the contract made between XXXX XXXX Bank and myself. I did not recieve any notice of the policy change. This is very deceptive marketing and practice.

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 2020-02-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made over 36 on time payments for this fifth third card, I got a notifications from Fifth Third that the payment system was down to pay my XXXX bill. I submitted the payment the following day and have proof that I submitted it on time before the cutoff, however, I am now noticing a late paymet on my credit report. I would like to formally dispute this error and have this late payment removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2018-08-18
Company: Comerica
State: NY
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:
Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. 
My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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  ; Experian and XXXX  should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, XX/XX/2019and the lates that are still reporting are XXXX and XXXX, XX/XX/2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

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 2018-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance has paid 2 XXXX XXXX XXXX XXXX and they refuse to XXXX refuses to remove them. they keep calling XXXX not the Drs. XXXX and XXXX have it paid XXXX wont fix it

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 2018-08-18
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX  and Experian are not responding to any of my requests to investigate and remove accounts that do not belong to me from my credit reports.

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 2020-07-01
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  and Transunion should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, 2019 and the lates that are still reporting are XXXX and XXXX, 2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company in which I hold no contract with nor have received services from reported ( 3 ) different collection accounts against my Social Security Number in the amount of {$510.00}, {$710.00} and {$570.00} with XXXX, XXXX & XXXX   credit reporting agencies. I requested verification and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: JPMORGAN CHASE & CO.
State: OR
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:
Chase card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: ACS Education Services
State: GA
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:
Conduent, formerly ACS, continues to misreport late payments on my credit reports for a paid and closed account. These late payments purportedly occurred in XXXX. However, this account was in an approved forbearance status and should not reflect late payments. As a result, I am requesting original signed documentation of all forbearance records from Conduent for the duration of time that they serviced this account ( XX/XX/XXXX- XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX Discover has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2018-02-25
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}

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 2018-08-18
Company: CFS Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested an auto repair loan to have my vehicle fixed with XXXX. invoice I have is XXXX. The company Confident Financial Solutions said I owe them XXXX which was not the agreement. While I was attempting to fix the issue with XXXX, Confident Financial Solutions would call me 4-5 a day back to back and would leave me 2-3 emails. I had to block their number for the ridiculous amount of times they would call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are accounts showing on my Experian report that I contacted them needs to be removed. The accounts were paid and per the creditors they agreed to remove from my credit agencies. XXXX and XXXX have removed them. However, Experian has an issue either removing or updating my information. These old outdated claims that were settled and paid need to be removed. 

They have the habit of removing accounts that are in positive status that need to be on my account. It took me almost 6 months to have the add an account they deleted in error to be added back on. What is wrong with this company keeping information accurate and removing what should not be there???

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 2020-08-25
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ) and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation