BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've reached out to Transworld multiple times requesting validation of this debt and never received nothing but a settlement agreement in the mail.

Transworld continues to add interests on an account that do not belong to them which causes my credit score to decrease and report inaccurate information.

The representative were rude when I asked to speak with a supervisor and hanging up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: VA
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 had a Citi AAdvantage Platinum Select credit card. I received a statement for the billing period XX/XX/20 - XX/XX/20 that had a balance of {$350.00}. Payment due date was XX/XX/20. I attempted to make the full payment on XX/XX/20. However the credit card company credited the payment on XX/XX/20 and charged me a late payment fees of {$25.00} and interest of {$4.00}. I called Citicard in XXXX and attempted to get the late charges and interest charges removed. The representative said that he was having 'system ' problems and he would take care of it. I requested that my account be closed and he closed my account. In my account statement of XX/XX/20 - XX/XX/20 the late payment charge and interest charge was still there and the balance owed was {$30.00}. I assumed that this would be removed as the representative had told me and the account would be closed. 

In the account statement covering period XX/XX/20 - XX/XX/20 another late payment charge of {$25.00} was added with interest of XXXX cents for a grand balance of {$56.00}. I called today and spoke to a representative and explained the problem that this account had been closed a couple of months back after i had paid the full amount and the Citi representative that time had agreed to remove the late charges and close the account. Instead of removing another late payment charge of {$25.00} had been added plus XXXX cents of interest. This representative attempted to help but was unable to because the 'system ' would not let him. He escalated this up to someone who escalated this further up but to no avail. The 'system ' would not let them remove the 2 late charges of {$25.00} each plus the accumulated interest. This whole process took half a day of my time. So my complaint is about this imaginary 'system ' that allows Citi to get away by imposing late charges on late charges. I attempted to close the account after paying the balance in full 2 months ago and here I am still owing Citicard.

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 2021-08-11
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email from Chime Bank stating that my account would be closed On XX/XX/2021. There was no explanation listed. 

Today ( XX/XX/2021 ), I attempted to use my airline credits for travel. The travel agency informed me that a refund had been issued to my Chime card. The refund was issued on XXXX XX/XX/2021. The refund would take 3-10 days to appear within my account.

I reached out to Chime Member Services who stated that the refund was in fact Issued. 

I have no way to speak with someone within customer service to determine what activity led to my account being closed, or how I will receive my refund. 

Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: OH
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:
Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
I saw a charge on my i did not authorize at a hotel i contacted Citibank to let them know that it was unauthorized. They opened up a dispute not even 2 weeks later they wrote me a letter stating they cant help me and i will be responsible, why should i be responsible for a charge i feel they did not do a proper investigation because i DID NOT stay at any hotel they should reach out check cameras etc not just say your going to charge me without properly investigating. the amount of the charge is {$300.00} the date of the charge is XX/XX/XXXX i want a thorough investigating to visit a hotel you need ID i want to see what ID was used for this because it was not mine i am very upset Citibank does not investigate thoroughly when it comes to consumers money also i want to know what happened why is Citibank charging me for something i did not authorize or purchase also they didnt contact me or ask me for any proof they just went a letter stating that i can not prove that my debit card was not used when they didnt ask me for anything or investigate properly. I was not at a hotel and did not charge a hotel on my 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 explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: MA
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:
ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.

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 2020-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have made the payments to get the loan up to date but I have been able to get the car and they will not bring the car to me. This company did not talk to in the first place and I told them if they get the car to me I would take to make the payments but they will not bring the car to me and are planning on selling the car, I told them to go ahead and sell the car because I don't like to pay for something I don't have and never had from day one because they were talking to another person until I received a letter telling me that the car had been taken back. I am an XXXX year old person and I am trying to make ends meet with my income,

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 2020-09-02
Company: SYNCHRONY FINANCIAL
State: UT
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 was part of the XXXX  breach. Years ago, someone fraudulently opened an amazon account in my name and used it. I even hired an attorney and spend hundreds of dollars to attempt to help me with thism and disputed the info several times, but they haven't done anything about it. 

This is FRAUD and has impacted my life for years. I've had countless other accounts that I've always had perfect payment history with, so why would I just open one account and never pay it? It makes 0 sense. 

I have a suspicion my son 's ex girlfriend opened it, but unfortunately I obviously can't prove that. 

XXXX  also has done nothing to help.

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 2022-01-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that XXXX XXXX would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the XXXX of XXXX. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.

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 2020-05-15
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX of 2020, I looked at my XXXX  credit report, and noticed a collection account from Bonneville Collections in Utah. I wrote them a letter requesting validation of this debt on the same day, requesting information that would prove that I owed this debt. I sent the letter by certified mail, and received a delivery receipt showing that it was signed for on XX/XX/2020. 

Under the terms of the Fair Debt Collection Practices Act, 1 USC 1692g Section 809 ( b ), I have the right to receive proof that I owe this debt, or, upon failing to receive such proof, to have it removed from my consumer credit reports. 

What happened, however, is that Bonneville responded by indicating on my XXXX  credit report that I was disputing the collection. I clearly stated in my request for validation that I was not disputing this account, but rather requesting validation under the above mentioned section of the FDCPA. 

The entry is still being reported, even though 30 days passed without response from Bonneville.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were with Owen we did a loan modification. Right before owen sold the mortgage they said we missed a payment. We didn't. but we paid the fees. the new bank also said we were late and kept charging us fees. We have paid our mortgage every month but our credit report says we are 30 days late since XXXX. I called my bank and they said we are not late and couldn't explain why our mortgage statement said we had XXXX due by the first. once they looked into it they said that they had sent investigators to see if we had abandoned the house. It makes no sense since we keep making the monthly payment due. and even after paying the extra amount they keep putting more on our bill, our monthly statement always has a large amount due every month. Currently my bill says I owe XXXX by XX/XX/XXXX. Now I cant even refinance my property because my credit report says I haven't paid my mortgage since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In XX/XX/XXXX, I made two payments with the following case numbers to XXXX XXXX through Western Union : XXXX and XXXX. I need the transaction history to verify the payments with XXXX XXXX. So, I contacted Western Union on XX/XX/XXXX to request the transaction history. The agent that I spoke to confirmed the transactions and requested that I fill out the Transaction History Form and send it back to Western Union with a copy of my ID card and proof of address ( Lease, affidavit, or a bill I have sent the information by mail twice and by email three times. The attached letter is what I have been receiving from Western Union that my signature on my ID is not similar to the signature on the form. I really need the transaction history to verify the payments I made to XXXX XXXX in XX/XX/XXXX. I hope Western Union will send the transaction History on time. 

Also, I have done a few transactions to send money overseas, and the recipients have been denied to collect the money because of a lack of ID cards or unmatched names. This all I would like to get from Western Union. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy is reporting incorrect information.

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 2020-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX  {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX  {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX  {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
To whom it may concern i am unable to apply for bank accounts are any typeof financial service to to my credit score being lower dude to accounts unknown are not to my use i feel like its unfairly accounted and i did not do anything on my report i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My income was reduced from the economic shutdown caused by the Covid19 pandemic.

I was late on my Synchrony Care Credit card in XX/XX/2020. 
I asked for Synchrony to remove that late payment because it was caused by the Covid19 economic shutdown and was out of my control, but they refused.

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 2018-09-20
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. I tried contacting this company and was never able to actually speak with a agent. 

First off, I have never heard of this company nor have I ever been contacted regarding this alledge debt. The collection information states this account was placed with this company in XX/XX/XXXXof this year. I have no knowledge of this debt and I'm XXXX percent sure I don't owe it. I am retired and debt free. I pay all of my bills and I DO NOT owe anyone. I want this bogus debt removed from each credit report it was placed on. I am aware of my rights as a consumer and I definitely will not hesitate to sue this company for defamation and smearing my credit profile. Also what company just goes around and places debts on credit reports with out allowing the consumer the ability to dispute the validity of the debt, which is my right as a consumer, and I was not given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Coast Collection Agency Inc
State: MI
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:
Dated Material - [ Wednesday, XX/XX/2020 [ Early Prior Knowledge Developmental Summary Report ] Identity Report Summary with Possible Relations where the victims/claimant Identity was subjected to a conflict of Interest with the ; Federal, State and Local Government Operations ] : While living in the State of Michigan Ive been unable to find sustainable -- - Career Opportunities thats financially sustainable where Im able to afford the major essentials such as sustainable transportation due in part to my low credit score where Ive learned prior that my social security had in fact been manipulated fraudulently from a -- - Foster Care Social Services Agency Provided by the State of Michigan where the Agency named ; XXXX XXXX XXXX XXXX and the State of Michigan takes sole guardianship over your private essential documents with supplemental arguments thats sustainable and sufficient by the State of Michigan and the Michigan Supreme Courts System. However ; prior to ; Foster Care Placement Parental Rights ; is relinquish from the primary parental parents where it was determined that ; XXXX XXXX XXXX, was improperly neglected by his or her Parental Guarding therefore ; the State of Michigan and the Foster Care Agency, than appoints the -- - choice Foster Parent as Full Parental Guardianship of the -- - Foster Child ; who is determined as a State Ward in custody of that Foster Parents Care from the time of entry until he or she has phase out of the Foster Care Program. 

Recent Active Activities : Most recently, returning from the State of Georgia, while keeping a consistent investigative challenge with regards to my developing credit report and my credit history where Im challenging credit history by bridging the gaps, to my puzzling Identity and how my identity has shown inconsistency with regards to fraudulent errors done by the below documented suspects -- -- other than my own interest which means I had no known knowledge that this type fraudulent activity would take place upon my identity or upon my personal private credit platform. 

With that be stated -- - I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these vehicle accounts and did not authorize any vehicle to be purchase under my name or identity and never authorize anyone to use my driver license to register any vehicles with the Michigan Secretary of State -- - I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 

[ XXXX XXXX XXXX ] - [ Victim Recorder ] Leadership Development - [ Leader-Principal ] [ Government Member ]

Company response to consumer: Untimely response