BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021, paid XXXX to XXXX XXXX  for a rental car using Chime debit card. Car was damaged in auto accident on XX/XX/2021, vehicle was towed from the scene of the accident. After discharge from the Emergency Department on XX/XX/2021, I attempted to contact XXXX XXXX XXXX, XXXX for a replacement vehicle. I received no response,. After multiple att/empts to contact XXXX XXXX XXXXoncerning a replacement vehicle or a refund of the total amount that I had paid minus the 14 hours that I was in possession of the vehicle before it was rendered inoperable due to the accident, WITH NO RESPONSE FROM XXXX XXXX XXXX, XXXX then decided to move forward and file a dispute of the transaction with Chime Bank XXXX Attached to the dispute was a copy of the police report, which supported all of my declarations concerning this transaction. That I did not have possession of the vehicle due to the auto accident, that I WAS NOT at fault, that the vehicle was towed away from the scene of the accident, the date and time of the auto accident and I also submitted proof of the payment date and amount and the length of time that I had paid for the vehicle. Chime denied my dispute. I was then instructed to submit a rebuttal disputing the decision made by Chime. I did, and included significant proof including screenshots of attempted contact with the company, complaints from other consumers dealing with XXXX XXXX XXXX  found on the XXXX  website. This was completed on XX/XX/2021. It is almost 60 days that we have been dealing with this on-going dispute with no resolution. I have submitted a written request to speak with someone who can actually resolve this issue or make a decision, all to no avail. So, at this point, I have decided to submit this complaint as well as one to the FDIC. I just want my money back because I did not receive what I paid for and it is RIDICULOUS that Chime Bank is telling me that perhaps the hold up could be that the merchant is not cooperating. I am physically XXXX and I live on a fixed income. This is defrauding and deceiving a XXXX individual and a felony in my home state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BARCLAYS BANK DELAWARE
State: CA
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 was on a payment plan plan, and never missed a payment. In XXXX they took the payment out twice one ACH that I made, and one EFT that I knew nothing about. I asked if the extra payment could be applied to the next month and was rejected. I was told by a supervisor to inform my bank, and have them ask that the funds be returned. Shortly after the funds were returned I received a letter that they would no longer accept this account. I again spoke with a supervisor who said I shouldnt have asked for the return of funds. We then had a conference call with my bank and Barclays. The supervisor told me she would work to resolve the problem, but to call before my due date to make sure my account would be honored. I did this, but the account was still honored. I then gave them a new bank account routing, account number. On the phone the account number was verified three times by a member of the accounts department, and I made the payment and received a confirmation of my on time payment. I then received a letter stating the account didnt exist. I found out from my bank that whoever entered the number added an extra digit. I then received a letter stating that my payment agreement was terminated, and that I owed additional interest. I then talked to another supervisor who said my agreement was terminated, and would not correct the account information. It is my opinion this was a deliberate attempt to negate the contract,.

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 2022-01-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Conn 's started calling me XXXX XXXX a day in XX/XX/XXXX. I have no debt with Conn 's and asked that they mail me proof of what I owe and to communicate only through mail. They have continued to call twice every day in XXXX. 

I have received nothing in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, MIDLAND CREDIT MANAGEMENT who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If MIDLAND CREDIT MANAGEMENT is reporting a debt that I do not owe, they are violating this law. The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If MIDLAND CREDIT MANAGEMENT is operating illegally by collecting debt without being registered, they are violating this law. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received XXXX notices from Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX XXXX stating that I owe a XX/XX/XXXX debt of {$380.00} that was charged at the location XXXX XXXX XXXX, XXXX XXXX NV XXXX for a satellite dish from a company called XXXX, XXXX XXXX 

I received the first notice in XXXX, XXXX and received the XXXX notice today XX/XX/XXXX. 

I called the company when I received the XXXX notice, and told the person there that I had never lived in Nevada and never owned a satellite dish, and that the debt was not mine. 

I have now received a XXXX notice saying the I owed the {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a target credit card which is now in collection. the problem is the amount is wrong and the dates are wrong, plus i need proof of ownership of this debt. i need proof via a written contract signed by me with my signature on it. if you do not have such proof you must delete this account by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: First Credit Services Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. 
I would like this removed from all reporting agencies, XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: PA
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:
I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my complaint to Teletrack. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Goldman Sachs is continually been destroying my credit worthiness for years and I have been communication with them relentlessly and have shared that I do not have any knowledge of the debt owed, they have failed to provide me any signed documents bearing my true and actual signature and have gone against all FCRA sections I dispute with the bureaus only for them to reply electronically and say it's valid. It clearly states that once I have notified them that this debt is in fact a part of identity theft they are not to sell, transfer or place the debt out for collection yet they have transferred it to and outside agency who is acting as a collector on their behalf. I have sent my DL License, social security card and police reports to the furnisher and it seems to be ignored, I will not send it again at this point. At this point they are breaking all FCRA reporting act and I nearby demand and investigation. They stall and wear you down as a consumer until you have no more fight. I was a victim of identity theft and have attached my XXXX Police report and Federal Trade Commission Affidavit once again so that they can notify each bureau and have the erroneous, derogatory information deleted at once. Per 605B they are in violation. They are matching a name and address and saying it is mine. " IT '' S NOT '' and I state it again and again that I have no knowledge of this debt that I have been disputing since XXXX. I have place the explanation of the duties when ID Theft Occurs and would appreciate immediate attention. It was the worst thing that has ever happened to me. 

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is someone elses name, ( XXXX XXXX and XXXX XXXX ) car loan, credit cards, bad debt, and credit inquiries mixed in with my credit. I filed a dispute on XX/XX/23. They asked me to send them a copy of my social and drivers license which I did. They sent me a letter stating they didnt know what it was for. I called them on XX/XX/XXXX and was told the dispute was still in progress. I got a email saying my dispute was finish but I cant see it and my report hasnt changed.

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 2021-05-21
Company: Meade & Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I faxed a debt validation request to Meade & Assoc via fax on XX/XX/2021 and have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Commercial Trade, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing a debt fr om Com Trade. I have no knowledge of this account nor am I connected to this debt whatsoever. This debt was sent to the wrong person and I want it gone immediately. Overview You have 145 % left to pay on this collection.
Balance {$4400.00} Highest Balance {$3000.00} Opened XX/XX/2016 ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : XXXX  XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XXXX  XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/2023, I have received an email to another address, which is not registered email address, XXXX. Because there is a question why this employee of your company, Bank of America, somebody called XXXX, who do not have any family name, can contact me with this XXXX address, I have decided to notify this fraud. Besides, this same XXXX must have called me this morning regarding something with dispute of CFPB, even though her file # did not exist after checking my account record of CFPB. Also, the telephone number written on this printed paper was same number, those who worked at Bank of America tried to make me call this XXXX, which meant two ladies called me to call this XXXX, who had the number XXXX. Since I considered these telephone calls were also suspicious, I wrote them. 

Sincerely,

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