BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: Bayview Solutions LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/18 - Received voicemail from blocked number threatening a process server. No information regarding debt or company involved XX/XX/18 - Company contacted my place of business and told the office manager that they were a lawyer attempting to serve me. Left the name XXXX XXXX and phone number of XXXX XX/XX/XXXX - Received letter from BV Solution claiming that XXXX XXXX had forwarded account for collection on XX/XX/XXXX and provided a settlement option and an extremely suspicious web address for payment XXXX XXXX  XXXX. 
Called the number on the letter - XXXX and was advised that the account was no longer in their office and had been referred to another agency called " XXXX '' and to call them at XXXX. Called number and it went to a full voicemail box. 

The debt referenced on the letter was paid in full to the issuing bank on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CITIBANK, N.A.
State: CA
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:
There is a hard inquiry from CBNA, which is apparently a Citibank thing, except no one at Citibank seems to have any idea who they are, why they made a hard inquiry when I did not apply for a credit card, or how to fix it. It was made on XXXX XXXX, 2016 according to XXXX XXXX, and I have no other information, received no paper documentation. It counts as a derogatory remark on my credit rating. I 'm trying to buy a home and I heed this removed as soon as possible. I would NEVER get a Citibank card, they are a terrible institution. I 've seen a lot of complaints against this CBNA thing on forums online. Please help me fix this, and why is n't anyone going after these frauds?

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 2019-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
upon obtaining a home loan we found that there is an account open in our name that does not belong to us. we contacted XXXX XXXX and because the account is not in our name they will not help us in anyway. XXXX XXXX has reported this account to Experian and it is showing up on the credit report that we have this open account that is not ours. 
this is holding up our home loan. we need to show this account closed or removed from our credit report immediately or we can not close. 
XXXX XXXX account number listed on Experian credit report is XXXX. This account is in another persons name and needs to come off our credit report. XXXX XXXX is of no help at all. 

**account number XXXX opened XX/XX/1991 ( never been on previous credit reports ) with 0 balance. Loan opened with XXXX XXXX and reported to Experian. 
please see on attached page of credit report. **

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 2021-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company did not verify account upon my request. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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:
On XX/XX/2020 I filed a dispute about inaccurate information on my credit report. There were unauthorized accounts.

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 2017-09-23
Company: Avant Credit Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have health problems and had worked out an agreement with the company. Which was offered by the company. Something went wrong with the agreement in their system which they blamed me as my fault. Now they are constantly posting to my credit as five months late which they know. I believe to collect the debt. I have been current with my loan close to three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX, TransUnion and XXXX have consistently abused their assumed power of being consumer reporting agencies. I have constantly reached out to all three bureaus and no action has been taken besides being ignored and making excuses of them needing authorization from me. How many times do I have to ask a company to do a job that they are supposed to do. I have been supplying all of the documentations to prove that I am asking you to do your job.This is attempt # 3.

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 2021-02-27
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Early XX/XX/2020 Transactions ( from XXXX ) were charged through financial debit card ( Chime ) attached to XXXX account. I contacted the application developers where my statements displayed that the transactions took place. I let them know that permission was not given by myself for the transactions that were made and requested a resolve for the error. The developers teams assured me this would be taken care of as soon as i provided the transaction dates, time, amounts, and the transaction ID 's. I supplied this information immediately. The reply i received stated that charges would be adjusted in 24-48 hours and that I could expect to see the charges returned in 5-7 business days dependent upon financial institution. After 7 days i contacted chime customer support to be told nothing had been credited- I then went back to the developer and they said they needed me to supply the information again- I proceeded to supply information again in the format they requested- once again was told they would take care of it and they would escalate the matter due to it being clearly stated in previous communication that it was going to be taken care of. 7 days go by with nothing being adjusted again. Now being Late XXXX XXXX is claiming its outside of time frame even though i started this process within the time frame, i then proceeded to contact my Bank through chat support and filed a claim through them supplying the same information. Chime opened a claim made the provisional credits roughly 2 weeks later. Upon this happening XXXX deactavated my XXXX play account in response to this claim. XXXX claimed just as they had said prior that they would have adjusted transactions which was clearly another person not wanting to deal with an issue. Aside from this Everything went along smoothly until XXXX XXXX each transaction was recharged to my account when the EIP round 2 was direct deposited. Chime has not responded to my inquiries on the matter for over 30 days and account remains in a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a XXXX America Express card on XX/XX/XXXXwith a bonus offer to receive XXXX  XXXX points after spending {$3000.00} in the first three months. I reached my required spend on XX/XX/XXXX.

As of XX/XX/XXXX I have not received my bonus points. I have called American Express 5 times, on XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ). Each person verified that I had met the required spend to earn the bonus and that it was being looked into, forwarded to marketing, escalated as a high priority ticket but have not been credited my points.

Complaint number : XXXX  Member # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
In the month of XX/XX/XXXX, I applied for a payday loan with Ace Cash Express. On XX/XX/XXXX, I received an email stating I was denied for the loan due to " poor loan performance with us ''. I have never obtained a payday loan before, and I have never applied for a loan with Ace Cash Express. I immediately began to think my identity has been used to obtain a loan. I reached out to customer service, and was advised they would not be able to look into why that reason was emailed to me. I explained I need to speak with someone, and customer service directed me towards a corporate email. I emailed the corporate email and never got a response. Till this day, I have yet to hear from Ace Cash Express on my identity fraud issue, if their is any in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In early 2020 me and my family were the very first American families impacted by the COVID 19 Pandemic. Of course, since we were sick and with an uncertain future in the early 2020, we miss some payment on my mortgage, auto loan and credit card. I contacted my creditors and since congress passed CARES Act. Most of my creditors agreed to relief me with my payments and to do not report any late payment on my credit report. 
The only company that refuses to relief with the late payments on my credit report is my mortgage company Loancare LLC. I contacted them and I was enrolled on a forbearance until XX/XX/XXXX. when I first contacted this company, I was past due in my payments because as I said I was once of the first American families hinted financially by Covid 19. 
Now I am current on my payments, but this forbearance destroyed my credit score, this company is reporting late payments on XXXX, XXXX, XXXX, and XXXX of the 2020. I contacted them one more time and they said they are reporting late since when I enrolled on the forbearance, I was past due, and they continued reporting the late payments on the missed payments before I enrolled on the forbearance. This just do not make sense because for obvious reasons I got into the forbearance because I was struggling making payments due to the coronavirus pandemic. I have the impression this mortgage company is misinterpreting the guidelines n the CARES Act. 
I am not a lawyer but its for common sense the CARES Act gave relief to borrowers struggling making payments, I think the representatives I spoke unknow a protocol for my situation.

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 2018-07-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I received notice from Chase bank that a home equity loan I was sure I had paid off three years early had XXXX balance. To my surprise, chase notified me that I owed {$140.00} due to the interest that had compounded. I disputed the charge and informed them that I called to check the pay off and that they had never sent a bill prior to the notice. My credit score was above 800 during this time. After I disputed the bill, they sent several negative reports to XXXX which dropped my score to XXXX. 

This is the second experience I have had with Chase and this practice. I have since given in to paying the debt and closing the account, but I feel that they have retaliated against me for questioning why I did not receive a bill in three years.

The million dollar question is, why did I receive a negative report after carrying a " three year balance '' and a negative report was sent only after I disputed? 

respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them. I have contacted this company and notified them that this was not my debt. I never owned a Macy 's card. Please validate this debt.

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 2021-02-27
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:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report.

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 2020-07-07
Company: Bristlecone, Inc.
State: IL
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:
This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, my FICO score went down from XXXX to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX, the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXX XXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.

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 2018-02-20
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: Information belongs to someone else

Complaint:
the following account does not belong to me its was opened with out my authorization, i have already called the creditor but they have not fixed this issue yet, i have also disputed this to the credit bureaus, and they have denied my request in this case is ( equifax only ), please find attached the FTC report filed ( police report ) and the request ( hence attached ). 
please have this fraudulent account removed from my credit report thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I want to redeem my " Miles Balance '' as cash. When this option was selected online on the company 's website, I received an error - " No Bank Added. This option requires a linked bank account. '' I  contacted customer service and was told that " a bank account needs to be linked and a payment made '' for this feature to work. I did the above and I still get the same error message. The web site is broken or malfunctioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
i had money transfer to me from a friend through the PNC virtual wallet insider app the money was received by PNC bank on XXXX XXXX 2017.
i still dont have the money yet, its like its been lost,, i have talked to a half dozen people who refuse to call me back and update me..
i have an email fromXX/XX/XXXX showing the deposit into my PNC acct but funds wouldnt be realeased for 3 days, and it shows as being received inside their vitual wallet insider app on XX/XX/XXXXi have taken on late fees from creditors, ( ive had bills shut off and had to pay reconnection fees ) had to borrow money to pay bills, they arent even trying to solve this,, I used the XXXX App that they advertised an instantaneous money transfer only to find out once transferred, there is a 3 day wait the money is lost ... no one can find it,, the friend that sent me the money will not give it to me again, as it hasnt been returned to his acct, even though PNC has said they disputed this weeks ago XXXX confirmed last weds, that the money was received by PNC onXX/XX/XXXX but yet i have not received anything but,, being blown off by everyone in this bank, including the escalation dept.

Company response to consumer: Closed with explanation