BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

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 2018-11-27
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.

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 2018-06-15
Company: Phoenix Financial Services LLC
State: CA
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:
My minor child was seen in an emergency room visit and on the date of service the emergency room admitting person was provided with medical insurance cards including an active no copayment XXXX account card. According to what I have been told despite repeatedly giving them the information by phone and in writing in addition to having provided the information at the time of service they have not properly billed XXXX  and continue to harass me and forward my information to debt collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Affirm 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Affirm has continuously treated me unfairly and refused to acknowledge and assist me, refused to research and cr report shows falsified amount of {$13.00} ; not only have they reported this FALSIFIED info of me owing them, I dont. They reported to the credit bureau since XXXX and denied me for almost 4 years by a false amount of {$13.00}. They failed to keep up with the returns and made up an amount and refused to credit my act fully. While they have a CLASS ACTION lawsuit for payment plans that encourage higher spending and make " returns tricky ''. dated XX/XX/XXXX the companys practices violate New York consumer protection laws. While they continue to be petty and violate my rights and ruin and disclose bad pmt history to the credit bureaus is outright WRONG. They need to remove bad info from my report and approve my history in any future transactions. With a rating of 1.5 out of 5, tells you a lot of who they really are-including the last class action suit. I spoke with XXXX in XXXX today XX/XX/XXXX as he was rude and refused to acknowledge the issue, Its their way or the highway. Does AFFIRM a financial inst. Not have to follow rules and reg as any other Finance company? Why do you allow this finance co to violate the law XXXX and treat customer unfairly? I fought and fought for years -see emails and still they get away with it. SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Bliksum, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Opportunity Financial, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I pulled my credit report and saw that Opportunity Financial , LLC is showing a loan charged off with a past due amount for loan # XXXX. 

I wrote a letter and enclosed a check stating that if they cashed this check they would, show account paid in full, and remove account from ALL credit reporting agencies, cease all collection attempts and agree not to sell or transfer loan to an outside agency. 

I have attached my credit report dated XX/XX/2020, a copy of my check that stated the above information dated XX/XX/2020, a copy of the cancelled check dated XX/XX/2020 and a copy of my credit report dated XX/XX/2020 showing they have dishonored this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items 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. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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 2018-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
An interactive website of Bank of America ( BAC further ) recommends me to apply for credit cards as limited time offer ( screenshot is attached ). And on XX/XX/2018 I submitted my application. In a few minutes later I was informed that BAC needs to gather more information to make a final decision. 
On the next day, I expected that someone from BAC will reach me either by phone or email to gather more information ( proof of employment etc. ). No one contacted me. On the next day I have reached BAC customer service and asked about my application status and explicitly told that if there are problems with my application, - I would like to withdraw it. Customer service representative placed me on hold and then transferred to another person from the credit card department. He told that he reviewed my application and denied it since I have filed bankruptcy within recent two years.

I am not criticizing this BAC policy and accept it. However : 1. If my application is clear reject why I received a message about gathering more information instead of receiving an honest answer right away?

2. BAC system is fully aware of my finical situation ( I have here direct deposit and Platinum tier of Preferred Rewards ). Why BAC interactive website offers me limited time offers that by default will not be approved? It is like advertising an alcohol to underage kids or ice cream for diabetics. Unethical.

3. My request to withdraw my application - if something is wrong- was neglected. Why? I have clearly expressed it.

4. I was not aware of this BAC policy since limitations/restrictions were not posted by BAC in credit card advertisement page.

In the summary as the result of BAC misleading advertisement - I received the negative record, FICO score drop, 2 days of waiting and frustration. All of this was possible to prevent. 
Even after my application rejection, the BAC system continues to offer credit cards to me.

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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: NY
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:
I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE XXXX CARD AND I REPORTED THIS TO CHASE XXXX BACK WHEN IT HAPPEN AND THEY DID NOTHING TO HELP ME.. I WILL LIST THE CHARGES ; XX/XX/XXXX TIMESHARE XXXX XXXX-XXXX OLD CARD ENDING XXXXXX/XX/XXXX TIMESHARE XXXX XXXX OLD CARD ENDING XXXX XX/XX/XXXX TIMESHARE XXXX-XXXX OLD CARD ENDING XXXX PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME.. THIS IS SENIOR CITIZEN ABUSE, AND ITS SAD THAT THEY DONT BACK THERE CLIENTS..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citizens bank can not provide reasonable accommodations to consumers who do not communicate effectively via telephone. When a customer contacted Citizens Bank via a secure messaging system requesting that the customer 's account is opted out of sharing information and from marketing Citizens Bank refused to honor the request as can be seen in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by XXXX XXXX XXXX XXXX. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by XXXX XXXX XXXX, XXXX. I claim that no such documentation exists in the file contained with your court. XXXX XXXX XXXX XXXX has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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:
It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX XXXX  on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law.  

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this account.

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 2018-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from this company - Portfolio Recovery Associatess- calling for my DECEASED EX-MOTHER-IN-LAW - XXXX XXXX XXXX 
She passed away over FIVE YEARS AGO. HER DEBT HAS NOTHING TO DO WITH ME. 
I DIVORCED HUSBAND 10 years ago. 
THEY ARE ALSO CALLING MY XXXX year old daughter. Which is upsetting her every time they call about her grandmother, who she misses dearly!!!! What is wrong with these people?!!! 
Do I need to hire an attorney?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXXXXXX sent a settlement letter they'd accept XXXX of the XXXX by XX/XX/2018. I did not call them until XX/XX/2018 and asked about a similar settlement. After back and forth debate they said that they could offer me a XXXX settlement. I agreed if they'd send me a fax saying it was paid in full. They told me that they couldn't fax because it was against my privacy rights but they would send a letter to my address on file. I agreed. They asked for my bank account and routing number I tried to insist on using my debit card they said no has to be bank account and routing number. I gave them this information. THIS ACCOUNT WAS NOT ON MY CREDIT REPORT. I paid, 2 days later here is this collection on my credit report for the total amount of XXXX. I call them on the phone asking why if I paid them would they then put this on my report. They tell me its against the law for them to not disclose it to all 3 credit bureaus. While on this phone call they tell me I still owe XXXX acting as if we did not settle even tho I have a settlement number. They are now saying they will report to the credit bureau that it was " settled in full '' not " paid in full '' like they said they would and made me aware of the fact that it will say on my credit report that I still owe XXXX because it was not paid in full when they NEVER mentioned this on the phone. I demanded to be sent the audio they told me they were recording and they said they don't have audio for that purpose. Im extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions 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:
Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.

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 2018-11-27
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My American Express credit card payment was due on XX/XX/XXXX. I went onto the app to pay it and for some reason it did not go through. Not sure if the mistake was on my end or the company. On the XXXX i noticed the funds didn't come out of my account i went in and paid it. I was assessed a {$27.00} late fee. Because i have been a customer for a couple of years and have not had any late fees, i decided to call American Express on XX/XX/XXXX to see if they would consider rebating the fee. I spoke to a young man who told me it was absolutely no problem, i would have my money refunded to me in 24 hours. He then went on to try to sell me upgrades and products which i declined. 
On Friday, XX/XX/XXXX i noticed that the fee was not refunded so i called again and spoke to XXXX. She apologized for the previous representative and said that he never submitted a refund. She stated she would take care of it and the refund would be on my account in 24 hours. 
On Monday XX/XX/XXXX still no refund. I chatted ( online ) with customer service and and they told me that XXXX and the first rep submitted the rebates however they were declined. They said both reps knew they were declined and should not have told me they were approved. 
On XX/XX/XXXX i called again and spoke to XXXX who apologized profusely and said that she didn't know why they lied- however she believes its because they didn't want to upset me. She assured me that she was escalating to a supervisor and also filing a complaint. She told me the supervisor would approve the refund and i would see it by today, XX/XX/XXXX. There is no refund today. 
If they couldn't rebate the fee, they should have told me that and i would have accepted it. I don't believe it is ethical to lie to a customer just to get out of what you think is going to be a difficult conversation. It unethical. And given the fact that the first gentleman immediately went into a sales pitch after he lied to me, i believe the conversation was a UDAAP violation as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is in regards to original case XXXX, Bytheir own admission, the collection agency reported they were uanble to find an account linked to me ( document attached ) yet they have not removed this item from my credit report. They have not responded to the previosu case number.

Company response to consumer: Closed with explanation