BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2018, I applied fir a XXXX XXXX credit card and was approved for a Card with a {$300.00} credit limit. The XXXX XXXX employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... XXXX XXXX summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with XXXX XXXX but they keep telling to Dispute it with the TransUnion, so I did it. I summited a Dispute with TransUnion them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a card with American Express. Because I have had cards with them before. However when I applied for a card today XX/XX/2018 with American Express that had NO annual fee, they Declined me. So I applied right after and I got APPROVED for an American Express Card with an  annual fee of {$550.00}. And when I tried again even after I got approved, to apply for a different card with NO annual fee, they declined me. The point I am trying to make here is that American Express is only approving me for cards with {$550.00} annual fees so they can gouge me. That is completely unfair to consumers like me. I don't mind the card with the annual fee & I plan to keep it open. American Express ran my same credit for 3 different cards : The American Express Cash Magnet card w/NO annual fee. The American Express Blue Cash w/NO annual fee, And the American Express Platinum w/ {$550.00} annual fee. And they only APPROVED me for the card with the annual fee of {$550.00} which is American Express 's best card. This does not make any sense. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: MD
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 am XXXX years old. i started using credit at 22 when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX  years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Chase has allowed someone to fraudulently use my information in applying for a credit card. I have contacted them numerous times and have had the cards and applications shut down, however the hard inquiries are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Andrews & Cox, P.C.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX being represented by Bleecker, Brodey and Andrews provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, Bleeker, Brodey, and Andrews began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. Bleecker, Brodey and Andrews will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Wednesday, XX/XX/XXXX, at XXXX XXXX I attempted to withdraw {$250.00}. None of my usual tellers were available and I was beckoned to go to a teller sitting at the far right. I did my transaction and left the Ace check cashing store with the money still in hand, after which, I handed the money to my father and as he counted it he said there was {$40.00} missing. I counted the money, now for the first time, and found he was correct. I went back inside Ace and informed the teller that I was missing {$40.00} from my withdrawal. The teller told me that she counted her draw and it was only XXXX cents over. I went back outside without the missing money and my father took the money and went into the store. The workers there told him they counted the draw. My father asked a few times was there nothing that could be done because he watched me leave the store and directly was handed the money received. Finally, they said they called the supervisor who reportedly said there was nothing they could do. When my father got home he called the main telephone number for Ace and was told that the district manager would look into the problem and if not, a vice president would handle the situation. Many calls later no one has called my father and I will list some of the reference numbers given when Ace was called. The fact that the teller who handled the transaction said she counted the money out twice can only mean she stole the money and the lack of response from Ace makes me feel there is a conspiracy to commit fraud along with the theft. I have never had a problem with this transaction in the past. I even had a customer in the parking lot who, when hearing my disgust with the situation, tells me that he won't go to that teller even if he has to wait. 
Some reference numbers for calls : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX. Ace Cash Express, # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. Ace customer Service XXXX XXXX. Cash disbursed to me was {$210.00}. I only wonder how many times this has happened to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2021-04-24
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Good day XXXX XXXX XXXX XXXX : I wish to file a complaint against Barclays Bank Delaware, issuer of XXXX  XXXX for damaging my credit by their own admitted error, then refusing to fix it. 

On XX/XX/XXXX, XXXX XXXX XXXX charged my XXXX credit card in the amount of {$99.00} for its annual membership fee. Had that charge remained active, it would have been due in XX/XX/XXXX. 

On XX/XX/XXXX ( before the payment was due ) I called XXXX and they agreed to remove the annual fee charge and close the credit card account. I was assured by the Barclays phone rep that the account had XXXX balance and that it was safe to close. 

Several weeks later ( late XX/XX/XXXX XXXX, I happened to check the Barclays app, and I noticed that the card still showed a {$99.00} balance. Concerned, I called XXXX and asked why a charge was showing. They assured me that the app was wrong and that the account had XXXX balance. 

Fast forward to XX/XX/XXXX. I financed a car and was informed by the auto loan company that I did not qualify for low interest rates because my credit score was XXXX. I was shocked as my score has been between XXXX for years ; I have never ever missed a credit card payment. I check XXXX  and lo and behold, my score dropped by XXXX points on XX/XX/XXXX due to Barclays inaccurately reporting a missed payment of {$99.00}. 

I have called Barclays an additional two times since then to get this resolved and each time I was assured that the late payment report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was their error due to a system glitch and that they would get it resolved as soon as possible. However, as of today they have not even removed the {$99.00} showing due on my account! I will also be sending Barclays a certified mail letter on Monday. 

This error of Barclays has cost me both money every month for car loan interest, and also makes it difficult for me to rent an apartment until this is fixed. 

To summarize, I wish to file a complaint against Barclays Bank Delaware for damaging my credit score due to their system glitch then refusing to fix the error after being contacted three times about it ( I will also continue to contact them and follow up on this ). 

Thank you.

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 2021-06-07
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Binance.US has locked me out of my account for absolutely zero reason. They have no customer support number, and they will not get back to me after writing several tickets. 

They essentially are holding my money hostage and wont reply. I cant do anything and Im furious I cant get my money out. 

After looking on XXXX I can now see this issue is VERY common and happens to a lot of people who still havent had any help from the company. Some people who have {$5000.00} basically stolen from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Exeter Finance Corp.
State: FL
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:
On XX/XX/2018, Exeter Fin. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX  and Exeter Fin. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
After a few months of travel I came home & began reviewing my bills. On XX/XX/XXXX I noticed EXPERIAN had been billing me {$19.00} since XXXX XXXX on my XXXX XXXX card. I had done a free trial & it appears they signed me up for a monthly monitoring service. I called their customer service number, their automated verification asked for very sensitive information over the phone to talk to a representative to cancel. I was put on hold for 70 minutes to speak to someone & could not stay on line any longer. Therefore, I emailed them for cancellation that same day. I didnt receive an answer from them until XX/XX/19, which stated they needed a Member ID # from an email I should have received to go any further. To date, I have never rec 'd any email from them. ON XX/XX/19 I sent that information back to them & on XX/XX/19 they asked for the same ID # to cancel. 
To end this vicious cycle with them I proceeded to cancel my credit card, so no further charges can be charged to my new card. This was the only way I could stop the charges. 
They appear to be a fraudulent scam, never allowing me to cancel, no matter how I tried. I have made every effort to cancel & they refuse to identify me, or cancel the membership. This, of course, is all through email, since you can not speak to any person over the phone. 
I am awaiting my new credit card statement to see if they were able to pick up my new number. When I cancelled my credit card I asked that no further autopay accounts be forwarded to my new card. So, if my statement shows their charge again for the month of XXXX, then I know they are a scam & have total access to all my pertinent information. 
The 2 emails I received from the emails I had sent were from PROTECTMYID. 
I have never received any credit monitoring emails from them or Experian, but have been charged $ XXXX/mo since XX/XX/19. 
I want to report them as frauds, scammers, & cancel whatever they have assumed I registered for. The contact numbers I have for them are : XXXX ( from their website ) support @ protectmyid.com ( from their website ) XXXX ( # that was on my credit card stmt, that rang busy @ all times ) Please advise me as to how I can get this cleared up. I have disputed the chgs on my credit card, but they received a " copy of sale '' receipt from Experian, so the credit card company would not remove the past charges. 
At this point, I have done all I know to do to cancel this service, which I did not ask for. I simply thought I was receiving a " free credit report '' when accepting offer. 
Please advise me as to how I cancel from this company, I am at a loss as to how else to proceed.

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 2018-03-13
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XX/XX/XXXX, we have been working to pay off several ( 15 ) direct loans serviced through Navient XXXX. Each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) we have called them to discuss how we would like our loan payments to be allocated across the loans. We have faxed ( XX/XX/XXXX ) and discussed over the phone exactly how we would like our payments to be allocated ( see attached letter ). We have also requested an itemized receipt of each month 's payment, which we have still not received. Navient has yet to comply with any of our requests and continues to misallocate our payments across the loans to benefit their company. Instead of deducting excess payment to the principal of the loans with the highest interest rates, as we have written and verbally requested, they continue to misuse our payments toward the principal of the loans with the lowest interest rate. Additionally, despite the fact that our required payment every month is less than the total interest that accrues each month, they are allocating the bill in such a way that we would be paying on the principal of the lowest interest rate loans instead of distributing the bill across the interest on all the loans or, in the case that some principal must be paid off each payment cycle, to the loans with the highest interest rate. In XXXX, XXXX, and now XXXX each different person we spoke with on the phone submitted a work order to " fix '' the issue ( s ) of that month. We have yet to receive any confirmation that the XXXX and XXXX work orders were completed, and since we are still seeing errors in how we want our payments allocated, the work orders appear to not be enough to solve things. The XXXX work order was submitted today, so we will have to see if this one resolves any of our issues with payment allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2018 HUNTERS WARFIELD KEEP INCREASING AND DECREASING A DEBT THAT DOESNT BELONG TO ME.. ACCORDING TO THE FCRA INCREASING AN AMOUNT THAT HAS ALREADY BEEN REPORTED YOU CANT INCREASE AND DECREASE BY {$1.00} TO {$2.00} DOLLARS EVERY WEEK OR MONTH WHICH DAMAGES AND HARASSING SOMEONES CREDIT ITS NOT RIGHT ITS A VIOLATION UNDER THE FCRA. THIS MUST AND SHOULD BE REMOVED FOR INACCURACIES UNDER SECTION 609.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX is saying I owe {$7400.00} I never heard of them never spoke to them never had a contract with them never got any letters from them please ask this organization how did they get my information and who authorize them to use my information with out my knowledge I have no knowledge of a debt never consent to debt their information is inaccurate and ask them how much did they pay for my information and who ever gave them must have stole it this is swindling according to 18 U.S. Code 1341 - Frauds and swindles and can lead up to fines of {>= $1,000,000} or imprisonment up to 30 years.

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 2018-06-23
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 information incorrect

Complaint:
I have tried to get transunion to help get these inquiries off my credit report that do not belong to me and some where mine that they removed and put them back on without notify me in the time frame. They didn't notify me at all. 

These are the inquiries that need to be removed : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: MD
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:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - Equifax states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX and XXXX are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but Equifax states OK - Equifax is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

Company response to consumer: Closed with explanation