BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not remember having a XXXX card in the past. PRA has reported this on my consumer file for several years. I have disputed this through the credit bureaus twice. Each time PRA validated it without providing any type of factual evidence. I then mailed a debt validation request directly to PRA on XX/XX/2020. It remains unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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 status incorrect

Complaint:
I have reported this numerous times and as of XX/XX/XXXX still showing the XXXX XXXX credit card ending in XXXX still open, where it is closed with XXXX balance.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$4800.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$4600.00}

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 2018-03-12
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/2017 from Santander auto finance. Through XXXX XXXX dealership the car is a lemon it is not or was not suitable to be sold. I contacted them to also let them know my contract was fraudulent as well since the car loan was for {$22000.00} and I put down {$10000.00} cash. 
Santander doesnt want to assist me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have several open debt collections from Commonwealth finance, the most expensive being {$1500.00} and open date is XX/XX/XXXX.. I'm not aware of who this debt collector is.. they haven't reached out and contacted me yet first and to top it off I was XXXX  XX/XX/XXXX so doesn't make sense how they can bill me when I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX.. I was informed that what they did by reporting it to the credit bureau before informing me is illegal and I was informed I can take law action suit against them especially if I can prove I was in XXXX  which is easily accessible on the computer from XXXX county Florida.. I would like all debt by this collector eliminated as soon as  possible so I can move on with improving and fixing my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX, has violated my rights.

15 u.s.c 1681 section 602 A. States 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 a account without my written instructions

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 2021-02-12
Company: AMERICAN EXPRESS COMPANY
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex and XXXX XXXX XXXX The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: NJ
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, failed to delete XXXX XXXX Bank account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report XXXX date of last activity because its coming from 1 Creditor.

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 2019-11-07
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT INC is reporting to credit bureaus that I owe them money. I have asked several times to have this debt verified and for them to show me that i owe money to this company. They have failed to so. Despite this request they continue to report this false information. if this is not immediately removed from my credit i will be seeking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
CAPITAL ONE FAILED TO FURNISH 1099-C FOR ALL MY ACCOUNTS WITH THEM AND WAITING FOR ALL DEBT CANCELLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had checking and savings accounts with Bank of America for decades. About three months ago, I was persuaded by an account officer at BofA that by transferring $ XXXX to a savings account with Merrill Lynch I would get better service and a better interest rate. Last month, I transferred an additional $ XXXX from BofA to my Merrill Lynch account, bringing the balance to {>= $1,000,000}. Yesterday, I learned that these funds are not FDIC insured, and I requested the immediate return of those funds to my BofA account ( i.e., the account ( s ) from which those funds originated ). Merrill Lynch now refuses to wire back those funds unless I sign a servicing agreement that contains terms that are not acceptable to me. Merrill says their agreement is not negotiable. Their position seems to be that without the account agreement they can not conduct activity. If so, they never should have accepted the funds in the first place, and should not have subsequently accepted additional funds.

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 2021-02-12
Company: JPMORGAN CHASE & CO.
State: SC
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:
I was contacted by a fake DEA agent who told that my ID was stolen and I was being prosecuted for drug trafficking and money laundering and the only way to protect my money was by removing it from the credit card and purchasing XXXX gift cards so I could receive a money voucher after they have frozen my funds and changed my social security number. They made me stay on the phone the whole 4 hours because they told me if I hung up the court recordings would be irrelevant and I would be prosecuted. I lost XXXX $ by purchasing 24 cards for XXXX $ a piece. I called the DEA number after I got off the phone and was informed it was a scam. Quickly I cancelled my credit card but the gift cards were already used. I have filed reports with the DEA and the FBI along with XXXX and the local XXXX police department. My bank says once the payments go thru they will not dispute the charges. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXXXXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
My credit card account has always been up to date and in good standing. Bank of America has closed it without my consent and did not disclose why. I want my account re-opened and I do not want it to harm my credit score in the process.

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 2022-09-27
Company: Chime Financial Inc
State: PA
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:
On XX/XX/2022 I disputed a charge on my chime credit card. 
On XX/XX/2022 Chime closed all of my accounts. 
On XX/XX/2022 I received an email from the chime dispute team notifying me that there was a billing error and that {$1600.00} was refunded into my account. However, said account is closed and Ive been calling and emailing daily to see where the money is, I am not receiving answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm filing a complaint regarding a 3rd party collection agency, BLITT AND GAINES, P. C. In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine. 

XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AmerAssist had been calling me from multiple numbers and blocked numbers multiple times a day. I told them that they are trying to collect on a debt with no bill sent, just that its from XXXX XXXX XXXX, who i have already spoken to ( months ago ) and they confirmed that it was billed incorrectly. I had XXXX XXXX XXXX with them, and i paid UP FRONT for all costs associated with the procedure. In fact, they wont even let you have the procedure done until you pay your balance up front. I spoke to this office months ago and the woman informed me that it was billed incorrectly. But apparantly this has never been fixed on their end, as they decided to try and tack on another XXXX $ after i had satisfied my balance with them ( which again was paid prior to my procedure ). I informed them that i have also met my out of pocket maximum, and my deductible ( for the last two years ) and that i only go to in network practitioners, so i should not owe anything to any of my doctors, and if I did, i pay it directly in office. 

AmerAssist called me again and i informed them ( again ) that it wasincorrectly billed ( which happens quite often with doctors offices and facilities ). The woman snapped at me, said they would report it to my credit, and at that point i asked them to cease and desist. AmeriAssist has continued to harass me, call me, send me mail, after i have officially asked them to cease and desist. I have another letter dated XX/XX/21 that arrived in my mail box today, so they are in direct violation of the FDCPA at this point. I would like them to stop harassing me, and id like them to stop threatening negative action on my credit. I am tired of debt collectors taking advantage of people, and not even validating the debt before harassing consumers. They need to take this up with the doctors office, who needs to fix the billing mistake, and hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached Notice of Foreclosure and a document titled " Outline of Events Surrounding Unjust Foreclosure Proceedings Against XXXX XXXX and XXXX XXXX XXXX '' along with the various exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The payment was attempted online three times and failed on ( XX/XX/XXXX ) This payment was made while I was in XXXX battling XXXX and XXXX XXXX for {$250.00} leaving {$35.00}. I then attempted to pay the remainder with ( 3 ) different cards which all clearly had enough to cover the {$35.00} charge and all three were declined. 
I couldn't reach customer service until Monday as this was a Sunday. I was told it was nothing they could do. This company went on to report this {$35.00} partial payment as late to the credit bureau and charge me a {$66.00} late fee. I asked the customer service representative if they had any XXXX clauses in place to assist and did not. I made all attempts to make this payment. Their payment portal was not let me make the payment. I should have my credit file destroyed and be charged {$66.00} for a late fee for a {$35.00} partial payment. I had no idea what the misc fee {$25.00} is for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: GOLDMAN SACHS BANK USA
State: AK
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:
I have a successful dispute, I have spent the last 2.5 months trying to get this resolved with Apple/Goldman and even after getting their email that my dispute was successful, they refuse to credit my account. The item I ordered was being shipped to a bad address. I notified Apple before it was shipped and they said they would cancel the order and I would have to reorder the item because they said they where unable to update the shipping address. I was told the item would be returned to Apple. So, I reordered the item and it was sent to the correct address. Apple did not cancel the order. It was delivered to the bad address. I was sick paying for both items. They finally resolved my dispute but yet they have not and will not credit me and are still charging me for the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received notice via mail in XXXXXXXX XXXX. Due date for debt was XX/XX/XXXX. I made payment on XX/XX/XXXX in the total amount of the debt, system processed it twice due to me hitting refresh. I contacted them via phone on XX/XX/XXXX, spoke to my collections agent, XXXX XXXX. Notified her of the double payment, she notified me that the refund was already processed and should be in my bank account within a normal refund processing period. 

I waited until XX/XX/XXXX to receive the refund. It was not refunded and in my bank account so I contacted the agent again to ask on the status of my refund. She said she would need to speak to accounting and that she would return my call as soon as she had an update from accounting. I sent an email with a screenshot from my bank account statement showing the double payment. 

As of writing this on XX/XX/XXXX, I have yet to receive a refund or a call back from the collections agency with an update on the status of my refund.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2021-11-21
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief