BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Central Portfolio Control Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Madam/Sir, CFPB : I received a letter from a debt collector dated, XX/XX/XXXX, XXXXHowever. I just recive it, today, XX/XX/2021. I am disputing the debt collector do to an unknown credit card that is not mine and does not belongs to me. I call the debt collector and I spoke with one of the representatives and told him that there is an error and a mistake in there behave, because, I never had a credit card with : XXXX XXXX The mail representative Harras me and Thretening me saying that the unknown credit card is mine. I told him to STOP HARRASSING ME, AND I TOLD HIM TO STOP USING VULGAR LANGUAGE. I also told the debt collector to send me. 1 ) An original application to see who file the unknown credit card. 2 ) I need all the statements in relation to this unknown credit card. 3 ) I need all the receives, places dates of purchases and signatures on all the bills or receives. 4 ) The debt collector needs to STOP calling me also. If he needs anything must be in writing and mailed to my Lawyers. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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 status incorrect

Complaint:
XXXX XXXX reported me being delinquent. It was over a {$3.00} membership fee I was not even aware of. That lowered my credit score and then showed me at 99 % .on time payments instead my always 100 % on time. I called XXXX XXXX months ago and they said the would correct that information to the credit bureaus. They have not and still shows the same. I find this very unfair and I do not deserve this status.

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 2020-05-22
Company: Total Card, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on credit card. 

XXXX/TOTAL CRD I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was promised an up To {$590.00} Checking Bonus ( 17 % Of Your Direct Deposit ), opted into the offer and met all of the terms - my bonus has never credited to my account. 

I am writing to you now to request that you get involved and demand fulfillment of Moneylions promised offer deposited to my account. 

Thank you PS - the terms where as follows : The Fine Print This promotion is open to all genders. 
Matching contributions are limited to {>= $1,000,000} in aggregate. 
Individual matching contributions are limited to {$590.00} per person. 
Promotional period ends when maximum matching contributions are reached.

Must maintain direct deposit into MoneyLion Checking Account for at least 90 days to receive matching contributions. 
Eligible matching contributions will be deposited into MoneyLion Investment Account. 
Must be a MoneyLion member in good standing at all times until payment of matching contributions. 
See the Official Rules for additional terms, conditions and eligibility requirements. 
Individuals who opt into the promotion between XX/XX/2019, and the time at which the Maximum Commitment is reached ( the Promotional Period ), and who do not already have active preexisting direct deposits into a MoneyLion Checking Account will be eligible for one-time matching contributions of 17 % of their initial direct deposits of funds into their MoneyLion Checking Accounts, subject to the Maximum Match. Generally, the matching contributions will be made available 90 days after the initial qualifying direct deposit, and will be deposited into a participants MoneyLion Investment Account. Once the Maximum Commitment is reached, MoneyLion will have no obligation to make matching contributions for any direct deposit made, regardless of individual applicant eligibility or time of opt-in for the promotion.

MoneyLion may provide matching contributions to the first 100 eligible direct deposits within 10 business days of confirmation that eligible funds have been appropriately directly deposited. For all other participants, MoneyLion will provide matching contributions after the participant has maintained MoneyLion Checking Account direct deposits of at least 90 % of the value of their initial direct deposits for 90 days after their initial direct deposit. MoneyLion reserves the right to provide matching contributions at earlier times to select participants in its sole discretion. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the 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 2020-05-22
Company: Experian Information Solutions Inc.
State: MS
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX XX/XX/XXXX, 0r XXXX XXXX. I was approached at my XXXX Bank where I am a member by the teller, as I was doing a random exchange, in XXXX. I am a platinum member, and their staff gave me a promotional offer that they were " celebrating '' within their office to apply for a credit card, with Citizen Bank. The bank and I have a ten year relationship. 

They said I qualified for a credit card for a 15 month 0 percent interest charge ( APR ). 
The advertising on the brochure was what they call in law school bait and switch and the intent was to get clients to order a credit card. 
As a member of this bank, i defaulted to trust with them, as it seemed like a good deal, and I told them i would consider it since I had XXXX large purchases coming up. Equaling XXXX dollars. 
Now, they had the chance to have integrity, as the brochure says nothing about purchases, but, only about an " introductory rate for 15 months for 0 APR '' for  balance transfers from other cards. 

It was trickery and faulty advertising their intent was to bait, and then switch by providing the wording of introductory rate and then later stating for balance transfers, the next page if any page thereafter has the rate for actual purchases being 16.9 percent, which is ludicrous. 
I called the bank at my second statement because I was under the impression that this new credit card had 0 % for the first 15 months of purchases, and the agents of the bank conveyed this by their lack of disclosure when I stated that I would use it for purchases, and also by their compliance by not explaining otherwise. As to the terms, I do feel this contract should not be upheald and they need to offer me the contract of 15 months 0 % interest, because of the phrasing and the selling of their product to a costumer being vague and cryptic and the costumer having a trusting nature with the bank. 
It was truly a move I consider of terrible business practice on the part of a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closes my college account, which Ive been using for 10 years, for no reason. Im working in an investment bank and having a healthy financial life. This account is the only checking account I have. I did not do anything suspicious. If closed, it will bring a lot trouble to my life. I have to complain Chase on closing my account suddenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not lift my credit freeze. The website shows it is unfrozen, but a mortgage company is still unable to pull my credit.

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 2020-11-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The following inquiries are a result of identity theft. They have not been authorized by myself of anyone with my permission. 
I have an ongoing extended fraud alert and have not been contacted by any of these creditors to verify my application. 

1. XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX CARD 5. XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XX/XX/XXXX 6. XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX 7. XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX   XXXX XXXX, NM XXXX BYMAILONLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
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:
I have been a victim of identity theft cards were opened in my name such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXXXXX

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 2021-01-29
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was considering the purchase of a vehicle and was shopping insurance costs. I ended up giving XXXX my credit card, not sure why they needed it, that according to their phone rep bound me to a policy for the vehicle. I thought it was a deposit that if I didn't use them I could get back. I did not buy the vehicle so did not need insurance. My existing insurance, XXXX, covered me for the vehicle anyway, and I have provided them proof of that coverage during the time they are billing me for. I even cancelled with XXXX and they continued to bill me. Now that I haven't paid, and obviously can't afford 2 insurance payments, especially for a vehicle I don't own, they turned me over to collections, Credit Collection Services, who continues to harass me and ruin my credit. I have talked to both about this, multiple times but didn't keep the exact dates, and it all keeps coming back to ME needing to go to the DMV and provide them with a report showing my name is not listed as an owner of the vehicle. This is a direct violation of the FCRA surrounding accuracy of data and their only solution is for me to go wait at the DMV to get a report to send them so they can consider the disputed amount. They have also asked me to call the dealership to prove it, which I have, but their accounting team never gets back to me. Meanwhile, they have destroyed my credit. They can run a report themselves to see I don't own the vehicle but they choose not to do anything on their side to try and resolve. Just keep pushing it back to the consumer and if I don't do what they want, to fix their error, I get harassed by a collection agency. I spoke to Credit Collection Services and XXXX on XX/XX/2021 one last time to try and resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello XXXX, I would like to report one XXXX XXXX personnel who scammed me over - {$5000.00} via credit card dispute. 

He bought over {$5000.00} worth of digital asset from me and one month after he reported to his credit card company reporting unauthorized transaction. He first disputed money in paypal but after one week of reviewing, paypal closed his dispute but then he went to his credit card company and charged back. 


He blocked me and doesnt want to speak with me. He is very active on reddit and is discussing about the bought item in reddit actively proving he still has the digital items he bought from me. He has blocked me and refuse to communicate with me. 


So I would like to report this fraud/ scammer to whichever XXXX department is relevant. If you could assist me, that would be great. 

Thank you very much for your time. 


Paypal case id : ID XXXX XXXX XXXX a link which provides screenshot of the transaction : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-10-23
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was originally contacted about an alleged medical debt by First Point on XX/XX/19 at XXXX. I informed them that I had originally paid the original creditor about a month ago on XX/XX/19. They told me to submit a copy of the check to XXXX which I did and the original creditor debited my account in the amount of {$20.00}. I submitted this check under reference number XXXX. I informed First Point multiple times in both email and received calls to remove me from their list as the debt with the original creditor was already satisfied. They have continued to harass me with phone calls. I requested a status update via email on XX/XX/19 with no answer. Again on XX/XX/19 I emailed again stating that these phone calls need to stop and stated I would be reporting them if it continued. On XX/XX/19 I received another phone call from XXXX at First Point who had no clue what was going on, I also verified with her that the email I have been sending to was valid, so I sent another email saying the phone calls would need to stop immediately. Again on XX/XX/19 and XX/XX/19 I received more calls. Would you please let this company know that they need to stop contacting me about a debt that was already paid to the original creditor and fine them appropriately for the continuing harassment calls?

Company response to consumer: Closed with explanation