BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my XXXX with all the credit bureaus. My score ranges from 613-630 but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.

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 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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:
I requested in writing proof of debt for XXXX XXXX XXXX. I have been in federal XXXX and they claim I owe this debt even though at the time I was in XXXX. It has been removed under different collection agencies several times. I never got a reinsertion notice nor proof of debt as per the fcra. I have multiple physical letters as well as online disputes. They offer me no proof. Ever.

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 2018-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I scheduled a payment with my XXXX credit card to be withdrawn on XX/XX/2018 in the amount of XXXX.. 
XXXX went along and withdrew the money on the XX/XX/XXXX with no problems yet my bank did not remove it from my account till the XX/XX/XXXX. Now because it was days later I did not take into account that that was still an outstanding debt that needed to be taken care of and went overdrawn. 
It just seems like a malicious practice on fully intending in making the account go overdrawn

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 2020-05-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Chase Banks transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Chase Bank card transfers that first took place on the XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Chase Bank 's services in the total amount of XXXX USD! 
I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 a letter was sent out to me disclosing an alleged debt that I owed. The company Medical Data System INC. has medical information about myself that I did not authorize there for medical data system is in direct HIPPA violation. These accounts need to be immediately removed from my credit file and delete it from all three credit bureaus 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 2018-03-28
Company: American Credit Resolution, Incorporated
State: CA
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 am writing about a company called ACR ( http : //www.acr12.com/ ). I received a text message from a telephone number local to the area where I live ( ( XXXX ) XXXX ), to my cell phone stating : 'Failure to respond to this collection notice will result in account escalation. Call ACR XXXX to resolve this delinquency. This is from a debt collector. ' I called the number included in the text message, which was a call service, and was told to go to the ACR website and enter my claim number.

I am unfamiliar with this organization. I have no idea how they got my telephone number and why they are contacting me via text message - which I did NOT authorize - about an unspecified debt. I filed a complaint on their website as well. As I understand it, according to the Telephone Consumer Protection Act of 1991, this action may be in violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Chime Financial Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX of Birth XXXX Social Sec # - XXXX Release of any and all funds held by chime bank currently My name is XXXX XXXX, and i have been having an issue with Chime Bank. I was with the bank for approximately two and a half years. Early on I obtained a debit card which was associated with the checking account that I never used, and subsequently lost but never worried about because i had deposited no monies into the account. Fast forward two years later and I used my XXXX Account to do a rarely used type of transaction with a customer for nearly {$500.00}. To my shock, the funds went onto a card that I did not recognize which unbeknownst to me was tied into that XXXX account in some obscure setting somewhere that I had not notices ... .XXXX  as a Service, almost never use so my navigation in the programing is definitely rusty anyway ...

Upon tracking the transaction down it tracked to the account named within Chime Bank absolutely refuses to release my funds. All i have repeatedly asked them to do is to, if in doubt about the owner of the account which is me

( they hav e asked me for my ID four times in a row now ... and on the fourth time I wrote to you and refused ). All they would have to do is issue a check to the owner of the account that they have always had on file since day one and who the account was opened with ... that address used to mail the funds to Please aid me in making these slime balls return my funds ... .because I can promise that without your aid these unscrupulous roaches would have kept my funds. Thank you so much for your time and attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Amsher Collection Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a derogatory report on my credit report from a AmSher for {$1200.00}. The charge was submitted by XXXX XXXX XXXX in XXXX of XXXX. I have contacted AmSher and have started the process to have this charge dismissed. I have never been contacted by either AmSher or XXXX XXXX  about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Pursuant to the FCRA it is the responsibility of the credit reporting agency to police the use of the ability to allow anyone to obtain access to my credit report without my written permission. Request hard injury to be removed immediately, Also I feel credit reporting agency do a better job of policing the use of credit access from agencies that abuse there authority

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MD
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 am upset the credit bureaus have not responded back to me about my investigation. This Is serious. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and Still no word. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. do your job now!!!! I have attached my ID and medical record to show who i am!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: The CMI Group, 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: Account information incorrect

Complaint:
CREDIT MANAGEMENT, XXXX. XXXX XXXX, XXXX, TN XXXX IS REPORTING AN INACCURATE ACCOUNT FOR XXXX XXXX XXXX FOR {$2100.00}. I DO NOT OWE XXXX THE AMOUNT OF {$2100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never knew that this was on my credit report, until I went on XXXX XXXX and seen this negative information, Ive been sick and I dont know why this is on my credit. Its showing a XXXX gas bill which I dont owe. I never heard of this company until I XXXX them and read all of the negative reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. I just received an attempt to collect a debt from American Express. I have never authorized this debt with American Express and I have never received any type of communication related to this fraudulent account as well. Therefore, I am filing this complaint to get further assistance from the Consumer Financial Protection Bureau. I hope the matter can be amicably settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express contacted my father on XX/XX/2019. My father has nothing to do with my account and by contacting him is a violation of my privacy. 

Pursuant to my rights under federal debt collection laws, I am requesting that American Express cease and desist communication with my family and friends. American Express has my contact information and valid mailing address. I have received voicemails and statements from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXXXXXX XX/XX/XXXX {$520.00}

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 2020-08-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
During COvid-19 i didn't received the statement or the payment didn't applied quick enough. I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days. 

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 check 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 2019-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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 non-monetary relief
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi there are a few credit inquiries I just noticed on my credit report that don't belong on my report they are fraud and I am a victim of identity theft so please remove they as I am including a copy of my police report. This has been an ongoing problem I am working with police so that I can get justice. Here is a list of what I want removed as it is fraud XX/XX/2016 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 2018-03-28
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a store card from Best Buy for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months " no interest '' financing offer when I had bought a brand new house and purchased a washer/dryer, refrigerator and two televisions. Long story short, I've consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled " Enhanced Debt Protection ''. I've been getting charged this fee for quite a significant amount of time now and I not only called Best Buy but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I'd receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid-month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30-day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and Best Buy for not being more helpful with this process and ripping their loyal account holders off of hundreds if not thousands of dollars. Please, any assistance would be greatly appreciated. Thanks in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
The company states that I have n't payed them off. I have. They are threatening and harassing me. They are threatening to come to me work place and take legal action. I know they were paid off years ago. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they took out XXXX from my checking account. There is no way I could have even borrowed that much money. If anything I have already over paid, even with interest. They say I owe one more payment and that they will go to my work place to collect.

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