BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed XXXX XXXX for {$590.00} with the company multiples times, sent out 611 & 609 letters on my behalf with no response so I sent my last and final validation letter on XX/XX/18 also spoke with them 2 weeks ago at which each time I asked them to validate the debt with a written contract. Company received my disputes on It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX nor did the company as each time they called me I asked them to send the contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I look over my credit report Experian its reporting closed account for XXXX account XXXX is reporting open account, I know both could not be right I sent both of the companies a letter for Disputes they both sent back saying they are Accurate, I read under the Fair credit reporting Act theses Agencies must report 100 % accuracy On your credit report They are not in compliance to the federal law Now I am asking for deletion of my credit report profile

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 2018-12-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My XXXX and Equifax credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, transunion and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president XXXX fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer Transunion-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-12-12
Company: ORG GC GP Buyer, LLC
State: CA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Check deposited XX/XX/XXXX Funds were to be available XX/XX/XXXX. Another hold was placed without notice. No information is being given by the bank I contacted payee they stated the check was cleared and payed out to the bank. 
Bank has not given me notice or explanation as to why.

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 2019-02-28
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
On XX/XX/XXXX I made a payment in the amount of {$1900.00} and the agent said that my charging privileges would be restored on this card. I have 4 cards and they were all behind on payments which the agent and I discussed prior to making the payment. The agent assured me that I would be able to use the card on my vacation after the payment cleared from my bank in about 2 days. I was not able to use the card and I called Amex to see why, the agent said that she needed to call my bank and confirm the payment was taken out, we did a 3 way call and verified that in was taken and applied to my account. She then tried to release the hold and restore my charging ability but she could not. She elevated it to a supervisor and that I should call back. When I called back they said that they would not be able to restore my charging, because the other accounts were in default and offered me a full refund of the payment since the payment was made under false pretense. They reviewed the recorded conversation with myself and the agent and agreed that he was not truth-full when I made the payment and assured me that the refund was issued. When the refund did not arrive in the mail within 10 business days I called back and they assured me that refund would be deposited directly to my bank account and apologized for the delay. I gave them my account information and it was supposed to arrive in 3 - 5 business days. When it did not arrive again I called and another supervisor assured me that it would be refunded by mail and that I would get it in 7 - 10 business days. 3rd attempt dated XX/XX/XXXX, ref # XXXX. As of this date American Express has not issued my refund as promised. They have not restored my charging privileges and have been dishonest in their business practices on several occasions. I would like to have my refund refunded. Several times members and supervisory members have been dishonest and not truth-full in the way they have interacted with this consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1. Portfolio Recovery Services ; re : XXXX  XXXX XXXX  calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe XXXX XXXX some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX XXXX XXXX, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was 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 2018-12-12
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a letter to dispute this debt, which I didn't believe I owed and to request that CCS ( XXXX XXXX XXXX ) validate the debt by providing the documentation and information that I requested in the letter sent. I sent this letter certified mail on XX/XX/2018. Since the above mentioned date I haven't received any of the information I requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Experian, XXXX  and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.

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 2020-10-20
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/2020 from Medicredit for the amount of {$1000.00}. Within 30 days, on XX/XX/2020 the letter I sent back to verify my debt was received by certified mail by Medicredit. I have not received verification of this debt but on XX/XX/2020 two accounts from Medicredit showed up on my credit report one for {$740.00} and one for {$180.00}. If this is part of the letter I received for {$1000.00} I never received a verification letter back from Medicredit therefore it should not be reported. If this is for something else it is fraudulent and I never received a letter for 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 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 statement balance for my Bank of America card for the month of XXXX was {$150.00} which is due on XXXX XXXX. I requested for a statement credit for the same amount ( {$150.00} ) on XX/XX/2021 and posted XXXX XXXX which bring my balance down to XXXX. To my understanding my balance is XXXX for the period. 

Late XXXX, I received a notification from them that my account is past due and they charged me of late fee. I called them to get clarification and told me that even my balance is XXXX, I still have to pay which I totally dont understand. They want me to pay the minimum balance, which to me is absurd, when they already posted the credit and balance is XXXX. Why are they still forcing me to pay, despite XXXX balance, and now they charged me for late fees. 

I do believed that this action is ridiculous, by forcing a CC holder to pay despite a XXXX balance on the 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 monetary relief
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was informed by both a telephone operator and her supervisor the following : XXXX XXXX  reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if Trans Unions report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error

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 2019-02-28
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I applied an American Express ( AMEX ) Gold charge card on XX/XX/2018 and was told that I am eligible for the welcome offer, which includes : - {$100.00} Annual Statement Credit with your Corporate Card Membership - XXXX Membership Rewards Points after charge {$2000.00} of eligible purchases on The American Express Gold Card within the first three months.

( Please see the attached full offer terms ) After this card got approved and I met the spending requirement, I double checked with AMEX and got the confirmation that my welcome offer would be posted to my account after a while.

However, I was told by AMEX that my welcome offer got declined. When I asked them for the specific reason, they just started to make excuse like : " You had an AMEX credit card closed BEFORE applying this AMEX Gold card. '' - I never closed any of my AMEX card before, they later changed their words when I pointed this out.

I tried to contact AMEX multiple times earlier regarding this issue and I attached the recording from one of the phone call I made to them, which confirmed I DO have this welcome offer. Please check the attached recording file for this.

Please feel free to contact me if I you need any other information on this. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: Collection Consultants of California
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:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synerprise Consulting Services have contacted me regarding a debt that they claim I owe. I responded back with a certified letter stating that they need to either send me an original receipt or detailed documents containing the description in order for me to know for sure that this debt belongs to me. Repeatedly they send me back a simple response that they have verified the debt internally without proving me with further proof. I don't believe this debt belongs to me so if they are unable or unwilling to provide me with proof I believe that it is only fair for me to ask them to remove my debt from their account and to remove any negative reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Chime Debt Card. XX/XX/2020 someone Cloned my Chime Card, Chime refused to Investigate. I cancelled my card & a new one was sent. XX/XX/XXXX I used my card at XXXX for a XXXX purchase. XX/XX/XXXX Chime tried to take XXXX Cents from my card called chime 4 times to fix the problem Horrible, Horrible, horrible Customer Service Agents no one can seem to fix the problem the agents are rude liars won't transfer me to a supervisor/manager keeps blaming XXXX I have talked to XXXX 4 times they have no record of them trying to deduct XXXX cent off my card for 6 days straight at XXXX every day I sent a message to chime bot after 4 days no one ever responded. XXXX owns Chime Bank. I need Chime to stop trying to fraudulent take XXXX Cents off my card every day at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Mr. Cooper Group Inc.
State: SD
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  is reporting my account delinquent over 100 days after my mortgage was transferred from XXXX XXXX  to Mr Cooper ( nation star ). My loan was going through loan modification process at XXXX XXXX   while it was transferred. My payments have never been late according to the loan paperwork documents. I have made complaint with XXXX  and requested Mr Cooper to fix the reporting error. 1 representative told me it was reporting wrong because I made 2 payments that posted in XXXX. Therefore 1 of the payments should have been posted in XXXX but never had been.

Company response to consumer: Closed with explanation