BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-16
Company: DISCOVER BANK
State: AL
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:
Issue : DISCOVER CARD refuses to resolve a dispute for falsely advertised product. DISCOVER favors the merchant. 

- I purchased a reproduction of oil painting from XXXX - Painting was sent damaged due to improper painting, and it was not as advertised - I tried to work the issue with the seller - Seller tried to sell me another wrong picture (! ) - Seller would not issue a return label citing their own return policy where the buyer has to pay for returns. This policy does not states this for non conforming products, or products damaged in transport, or different from what was advertised. 
- I tried to work out a solution with the seller on the return ( it costs almost as much as the picture itself for shipping back due to no fault of mine ) ; - I have opened a dispute with DISCOVER documenting all these issues ; - 30 days later DISCOVER closed the case in favor of the merchant as a " legitimate transaction '', with no reasonable explanation of why ; - Original wrong painting was never replaced ; - There was no refund attempted ; - Reopened the case with DISCOVER at my request, after I questioned their decision ; - I was told verbally that the resolution may be the same, again in favor of the merchant ; All the documents are already uploaded on the DISCOVERY web site for disputes. Should you need the documents please let me know and I will send them as well to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AMCOL Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical bill that was 100 % covered by my insurance. It just showed up on my credit bureau, as the only negative account I have. I called the collection company. The company being, AMCOL SYSTEMS@XXXX. XXXX XXXX XXXX, SC XXXX. This company was informed of my insurance company being responsible for this medical bill. I called them over and over about pursuing the bill thru my insurance company. When I saw this bill in collections thru XXXX XXXX, I called the insurance company again and was given some very upsetting information. The agent at my insurance company said that Amcol Systems REFUSED TO RECEIVE THE DOCUMENTATION PROVING THAT I WAS COVERED AT THE TIME OF THIS MEDICAL EMERGENCY!!! I am very overwhelmed with this since I care dearly about my credit and this one bill has brought my score down over 20 points. I am talking to an attorney now. This is so wrong!!! I have recently lost my husband, had a XXXX XXXX and XXXX XXXX XXXX. I am in a wheel chair, unable to drive so I have tremendous challenges both physically and emotionally. I am going to get the documentation myself and fax and mail it directly to the collection company. If this isn't resolved soon I will pursue legal council and file suit against AMCOL SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 at XXXX, I Received A Call Identifying as XXXX County Legal Department/Office stating that there was legal action for a debt being owed and that a Suit was being filed against me. I explained that I was unaware of the Suit, nor Had I received documents in the mail. I was provided a phone number ( XXXX ) XXXX along with the Case number. At XXXX, I placed a call to the number provided to me, and spoke with a woman name, XXXX XXXX , who represented a company called " XXXX. '' She would not provide me with an address of this Company due to " safety of their clients. '' I stated the reason for my call, and provided the Case Number that was given to me. She stated that the Case was Locked, and needed to place me on a brief hold to get the case manager provided for my case to be unlocked, so that she may give me the details of the suit. After returning to the phone call, she proceed to explain to me that actions was being taken on by a Pay Day Loan Company accusing me of Fraud as well as providing me with information of cost if the suit continued with or outside of court. I stated I had not received any information in the mail in regards to this suit and asked that why Had I not been contacted. She replied with saying the company has no current address on file for me to be reached, although the Pay Day Loan was done within the current address. I was threaten to be taken to court if I did not agree with the payment arrangements to handle the case outside of court. Before I realized that this was indeed illegally, I recommended a different payment plan which she refused therefore leading me to end the call. I made a call to the first phone number identified as XXXX County Legal Department, if it was legit and no one answered the line. There was no recording verifying that this number was XXXX County Legal Department, nor was there a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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:
Ive been a victim of identity theft, these accounts do not belong to me. 
See Attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital One # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions 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:
Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX XXXX {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}

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 2019-09-26
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:
Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: I.C. System, Inc.
State: IN
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:
Hello, A company called I C SYSTEM INC is attempting to collect on a debt that was turned over to them in the year XXXX for a company called XXXX. In my first call to the company XXXX, a XXXX employee told me they attempted to collect the debt in early XXXX through XXXX before turning it over to the collection company I C SYSTEM INC. I C SYSTEM INC puts this debt on my credit report in early XX/XX/XXXX, and puts it as a debt from the previous month of XX/XX/XXXX. I tried contacting I C SYSTEM INC and they told me to contact a different division known as XXXX fraud division since I never had this account in the first place some 7 years ago. I called XXXX fraud division and spoke with a Fraud investigator named " XXXX '' who looked in the computer using my social security number, date of birth, the address that I C SYSTEM INC provided me, and the phone number that I C SYSTEM INC provided me. XXXX Fraud Investigator told me on the phone that there was no account past or present that showed up in their system. I am including the Fraud hotline for XXXX in this message if the information needs to be verified. This I C SYSTEM INC is obviously falsely reporting when the debt occur ed on my credit report ( they admitted it was from XXXX or XXXX not XXXX ), the company they stated they were collecting from has nothing on file for me, and every attempt to dispute their postings on my credit reports has failed. To add to all these questionable things that I C Systems INC did ... they also waited until there was a state of emergency in the country to add this to my report ... making it very difficult to obtain financing and to pursue litigation against them due most state offices being closed. They placed the same thing at the same time on both XXXX XXXX and XXXX. I am a XXXX   and have been trying very very hard to everything right. I've been told several times to give it to a local news agency to help protect me and my credit from this company. I don't know what can be done here, if nothing is done here then I guess I will just need to go to court and the news to get treated fairly. 

Phone conversations with I C SYSTEM INC all recorded. 
Phone conversations with XXXX  all recorded. 

I C SYSTEM INC phone number : XXXX XXXX XXXX XXXX   phone number : XXXX XXXX XXXX Information on my report : Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusCollection account. {$370.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$370.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$370.00} Highest Balance {$0.00} Terms1 Months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase has closed two of my business credit cards, the first business card was the ink preferred, and then i went to apply for the INK BUSINESS UNLIMITED and got approved so then when i got my card i went to the XXXX XXXX to purchased computers for my business to take advantage of the 12 months 0 % interest, During at the store i got declined and i called chase and every person i talked to couldn't give me an answer as too why my charges got declined, i was approved for a XXXX credit limit, that i couldn't use.I was getting transfer back and fourth to different people saying they couldn't access my account which was really odd. A week later i get a mail stating that both my accounts where closed. Its a business card there are going to be huge amount of purchase reason why i got a business card and not a personal card ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
i noticed that XXXX XXXX  is claiming that i owe {$360.00} on my credit report. There is no way my account could have been negative because i did not have overdraft. Also i was never contacted about this with the chance to dispute.

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 2018-12-16
Company: Gregg & Gregg, P.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My landlord forced my family to move out in under 30 days. My family and I secured a new location to live. Once we moved out of the formerly leased property, our former landlord claimed we destroyed her property and owe {$4200.00}. My family and I have yet to see any documentation that validates the claims of destruction of property. The former landlord hired an attorney who is now attempting to collect the debt. We still have no proof of this claim that we owe the amount the former landlord has submitted. The attorney has now sent a settlement request to remedy the alleged debt, but still has not provided proof that we in fact owe. We have requested this information from them twice. We are not sending any money since they have yet to prove this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I cancelled the card in XXXX XXXX at XXXX they charged me XXXX 4 times for late fees ... XXXX too much

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 2018-03-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a bank account that is not located in my current state, my account had a charge that was over the amount I had in the account, so I instantly transferred funds from square cash. However PNC processed the negative charge prior to the credit, though transactions happened same day. I am not able to physically remedy the situation as there are no branches here, and attempted to fix the problem by transferring funds, but with PNC processing the debit first they applied 3 NSF fees causing me to yet go negative again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage has been sold three times over the past 3 years, and in each instance the mortgage holder refuses to report my monthly payments have been paid on time. As a result I have no FICO score which prevents me from securing home improvement, automobile or major appliance purchases. My current mortgage holder is Select Portfolio Services and all they do is give me a runaround regarding this issue. I feel that it is be done deliberately since the interest rate is at 6.25 % and not having a FICO score also prevents me from refinancing at a lower rate. It is my belief they are holding me hostage and preventing me from finding a better rate with a local bank. Finally, it must also be noted that I have no outstanding student loans, I possess no credit cards or credit card debt, no automobile loans or any other personal loans or financial obligations whatsoever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My ATM card was stolen. Between early XX/XX/2019 until XX/XX/2019 a total of {$62000.00} was withdrawn from my savings account at Chase bank. Usually in increments of {$3000.00}, some were taken on the same day from the same ATM. 

I have never taken any money from my savings account using an ATM. 

My complaint is that Chase Bank never flagged or notified me about this as unusual activity in my account. 

I have had a bank account with Chase Bank for over 20 years and am also Private Client with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I finally got a call back from Ms XXXX with Equifax and she stated the collections I inquired about where deleted. She stated I should have received an email telling me that and offering me a way to look at my file. I never received an email. I went to myequifax.com and it told me to " please give us a call. We cant complete your request at this time. Please call Customer Care team at XXXX ''. When I called, they told me to go to the website. Wow, I am dizzy. Last week I was told I would receive a paper copy in the mail in 10 days. I CANT WAIT 10 DAYS! Why is this so difficult? Why cant I pull a bureau on line to be sure it is clear?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this 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 2020-06-02
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a cease and desist letter to XXXX XXXX XXXX and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX XXXX they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done

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