BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
{$940.00} XX/XX/2021 To Garnish wage, but i am not currently working and have not receive and proof of contract of debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I provided my social security number and opened a new checking account with Chime.com ( https : //www.chime.com/ ) on XX/XX/2021. 

Immediately, I received a welcome email stating that my account had been opened successfully. But then the very next day when I tried to access my account online, it stated that my account has been locked and I should email XXXX to unlock it. 

It never provided any reason why the account has been locked. I never received any kind of email, or was contacted in any other way, with any kind of explanation at all. 

Following their instructions, I emailed XXXX on XX/XX/2021, asking them to unlock my account. But I received no response whatsoever, no even an acknowledgement that my email has been received. I emailed them again on XX/XX/2021. But thus far, I still have not received any kind of response from Chime. 

I am beginning to suspect that Chime may be just a scam to get my social security number and personal information, and is not a valid, trustworthy banking institution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RMP LLC. 
Have called several times and they couldn't prove anything information nor account number to me. Refual to provide any info to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEM at XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the about of {$470.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 would like to file a complaint regarding a dispute that I have initiated with American express. I have disputed this charge for " paid by other means '' I did provide American Express with all relevant documents to support my dispute. American Express did not take my dispute seriously, and kept on requesting the same documents over 5 times. 

Dispute Received XX/XX/2019 Resolution Date XX/XX/2019 Ref. No. XXXX Dispute Reason Paid directly to the establishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mortgage company Carrington mortgage has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Citi Bank served papers to an alleged debt on XX/XX/2021 to my brother that was visiting from out of town. The constable was also informed that he was not me and that I was not home so he didn't want to take it. My brother did not notify me of the papers until a weeks later, which cut into the time I need to inform Citi Bank and XXXX XXXX that I wanted to request a validation of the debt pursuant to 15 USC 1692.

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 2019-02-08
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2019, I received a letter via email stating that I could call to make arrangements over time to pay my delinquent American Express card. No where stated in the letter that my card was not eligible for this arrangenent. When I called American Express to make payment arrangements, I was that I could not. They need to adhere to their words stated in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Prestige financial keeps showing my account as a new date over and over. 
The account is a write off as of XXXX possible the first of the year XXXX, Prestige is showing my account as of XXXX XXXX. 
This this showed back up on XXXX XXXX in XXXX. And they are adding onto the amount showing a late fee. 
lI have disputed this through XXXX XXXX. They did get this taken of in the previous attempts that Prestige went back in a placed a different date on the account. 
Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was previously disputed and removed from my XXXX Credit Report in XX/XX/2016 under XXXX XXXX. Now it has been put back on my Report by XXXX XXXX. 
As I have explained to them this is not my account. I know nothing about it, and it should not be on my Credit Reports.

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 2021-09-08
Company: Chime Financial Inc
State: MD
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 purchasing a motor scooter with a company out of California called XXXX XXXX XXXX XXXX. Using their lay away payment program. I made the initial payment of XXXX which is the shipping fee. I then made two more payments one of XXXX another XXXX first payment cleared my bank chime acct other two were pending hit next day but were declined because my bank put a merchant block on. Called bank they didn't give me reason why. I then look XXXX XXXX XXXX up on XXXX XXXX XXXX there were complaints after complaint that this company is a scam. So ive tried getting refund back with company but no luck. I tried filing a dispute with chime but yhey refuse to do dispute because one i authorized transaction two i hadn't pd for the complete total of item and not being delivered my argument with bank is they put a merchant block on that company therefore keeping me from making full purchase amount agent tgen wa going to see about removing block so i can finish making pauments on full to a company known to be a scam and my bank chime apparently also knows the company is a scwm or why else put a merchant block on. To be ably to do a dispute for XXXX dollars which i think if allowed by bank to knowingly keep making payments to a company known to be very fruandulant is just stupid so you as cinsumer can fike a dispute. I think chime because they put a merchant block on keeping me from.fullfilling payments should allow for dispute to get refund of the XXXX they allowed to clear they knowingly allowed one paymebt to go thru before applying the merchant block therefore they should be held liable for saud amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Ashton & Weinberg, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called personal cell phone multiple times back to back attempting to collect a business debt. Advised me they he was a lawyer and was suing me. Asked him to stop calling and hung up. He called a total of 8 more  times. Also left a threatening voicemail. 

They also illegally pulled my credit report. I want this removed from my XXXX  file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
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:
I recently, XX/XX/2020, missed a {$75.00} payment to tidewater finance company, they called and I told them I was temporary out of work because of the Covid-19 restrictions and that I applied for unemployment insurance I was told I would receive payment in 4 to 6 weeks and would pay a double payment on XX/XX/XXXX, of course they said there would be late fees and I informed them that no other agency was charging any late fees and that was unamerican. They have called me three times since them, on XXXX they called again and I spoke to the supervisor again, but she told me that by XXXX XXXX st it would be to late to make a payment it will go to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2019 I sent Experian a method of verification letter for explanation on accounts that were supposedly verified. However, they did not respond to my request.

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 2021-04-05
Company: EQUIFAX, INC.
State: VA
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 wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony Bank mis-allocated payments between promotional balances. They acknowledge it was their mistake and apologize when I contact customer support and billing, yet they still report late payments to credit agencies which damages my credit score. I make all payments in full and on time exactly to the terms of their contract, but they refuse to correct their reporting error. Synchrony Bank does not operate with integrity.

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 2017-12-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is not licensed to collect in my state. I am requesting that they be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an automobile loan through XXXX. They went to Ally to get the loan. I was turned down for a loan due to a very low score from one of the agencies, XXXX XXXX.  Their score was 100 points lower then each of the other agencies. Trying to get anything from them requires photos and copied forms of ID. Having never heard of these people prior to this, and them not listed on anything else, I have other loans, all which are paid off except my home loan, I am not about to send them anything until I have no real choice.  They can not provide, will not provide, how they determine this score, or any reasons why the score is low.

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 2020-05-07
Company: CITIBANK, N.A.
State: IL
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:
I paid my balance on my Citibank Shop your way credit card in full on XX/XX/2020. The entire balance was paid ON time on the due date of XX/XX/2020.. I received my next statement from the credit card company with an interest charge of {$10.00}. I called customer service on XX/XX/2020 and they said that they would credit the account for the interest of {$10.00}. They did not credit the account as promised. At that point I cancelled the credit card. 

The card was cancelled, but the credit that was promised was not issued and interest has continued to be charged on the interest that they had promised that they would credit. 

I called on XX/XX/2020 to try to get it taken care of. They transferred me 5 times and I spoke to 6 people over 47 minutes. The call was disconnected in another transfer.

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 2021-09-08
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: Account status incorrect

Complaint:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

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 2021-09-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: ERC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I DO NOT owe this debt.. I asked enhanced recovery ( XXXX ) to prove that I owe this debt and to verify it with some sort of original contract but they did not. They sent a bill with a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called a collection company that was reporting on my credit reports in good faith to make payment arrangements. We had agreed on an amount and then she emailed me the confirmation that was XXXX more then agreed. When i refused to pay that amount she became hostile with me and threatened to take me to court and threatened me i would pay 21 % daily interest plus an additional XXXX dollars if i didn't agree to the new total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations XXXX XXXX  Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a Vanilla Visa Gift Card in late XX/XX/XXXX and loaded the card with {$500.00}. I'm located in Massachusetts, I bought the card in Massachusetts and I did not leave Massachusetts during the time of this issue. Immediately after I bought the card, someone made charges on it at a number of stores including a XXXX XXXX XXXX and a XXXX  in XXXX XXXX that totaled more than {$400.00}. Once I noticed the transactions, I notified Vanilla and they closed the card. I can't even access the transaction history for the card now. As a result of these fraudulent transactions, I have not been able to use any of the {$500.00} XXXX put on the card I submitted a dispute packet to Vanilla Gift Card on XX/XX/XXXX and resubmitted it on XX/XX/XXXX. Vanilla acknowledged receipt of my dispute packet on XX/XX/XXXX and told me I should expect a " complete resolution within 90 days '' of XX/XX/XXXX. Despite this promise, they have not responded to my dispute. Moreover, I have emailed several times seeking information ( XXXX XXXX, XXXX, XXXX. XXXX, XXXX ) about my dispute and they have not responded. I also called Vanilla Gift Card on XXXX. XXXX and I was on hold for over an hour and no one answered. 

When this card was sold to me and loaded it is clear someone had already stolen the number and was just waiting for money to be added to the card to drain it. Vanilla should fix this situation, yet they will not respond to my dispute.

Company response to consumer: Closed with explanation