BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 15 times minimum everyday, starting before XXXX and still calling after XXXX. They call from different numbers. I have answered numerous times and asked them to please stop calling me and they still do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-04-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called several times today and I keep getting individuals that DO NOT SPEAK english very well, and refused to transfer me to an english speaking supervisor. Last week I was informed my credit freeze was temporarily removed, but when the mortgage lender attempted to run my credit it is still frozen. I have called 6 different times today and the reps refuse to assist, or keep giving me contradicting answers. First they tell me the freeze is lifted then they say it isn't. this is causing me a terrible amount of stress and anxiety, as I will not get approved for the purchase of the home if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: GA
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:
Ref account number XXXX XXXX XXXX. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late XXXX and XXXX XXXX 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. Equifax continues to publish this report, with zero effective investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase with my Discover credit card for a downloadable computer game " XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  '' for {$24.00} on XX/XX/2022 from XXXX XXXX XXXX. I downloaded the game and found it incompatible with my computer. I contacted XXXX to cancel the order and receive a refund but it was refused. I disputed the transaction on XX/XX/2022 with Discover stating that the merchant " XXXX '' sold me and incompatible/incomplete product. Discover however reversed the dispute stating : Transaction has been found to be valid. 
A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. 

Dear XXXX XXXX XXXX, Account number ending in XXXX XX/XX/2022 We've finished our additional review of your disputed transaction and found the charge to be valid based on the merchant 's documentation. Please know that we considered any information you submitted as well as information submitted by the merchant. 
Case Number : Merchant Name : Dispute Amount : XXXX XXXX XXXXXXXX XXXX {$24.00} Accordingly, the temporary credit previously applied to your account has been reversed. To give you better insight into our decision, we are including a copy of the documentation we received from XXXX XXXX XXXX If you still have concerns about the outcome of the investigation, we encourage you to work with the merchant directly. 
Please note, the disputed transaction has been reposted to your account and will appear on your next monthly billing statement. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. 
We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S.-based service team at XXXX ( XXXX ). 
Sincerely, Discover Card Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was invited to submit a payment in a cashapp money flip, whereby I was to submit {$100.00} that would be flipped for a higher amount within 10 to 15 minutes. I submitted the {$100.00} payment and received a response stating that a payment, in the amount of {$2500.00}, is pending an IRS fee of {$250.00}. I submitted the " fee '', but nothing came through. After reaching out to cashapp support I was advised that they could not or would not act to assist me in resolving the issue. I have maintained copies of all of the online conversations between me and " XXXX XXXX '', the phone numbers used in the telephone conversations, the cashapp " XXXX '' and name of the party payments were submitted to as well as those parts of the online conversation where the company associate, XXXX XXXX, implies association directly with cashapp and the IRS. It is my sincere belief that an employee or employees at Cashapp are facilitators or co-conspirators to and of the scam. Documents have been maintained to prove that I acted in good faith with a legitimate expectation of receiving the services payed for. No service has been provided to date and Cashapp has suspended my ability to seek refund from the recipient XXXX XXXX, XXXX XXXX ( the recipient I was directed to send money to, as part of the business, by XXXX XXXX, XXXX, XXXX, and an unknown male actor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2018-03-03
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX SHOWS ACCOUNT OPEN {$47000.00} Opened XX/XX/XXXX Deed surrendered in Leu of foreclosure XXXX  account closed. 

The account is not opened. It is and has been closed. It did not show up on my recent mortgage application/and home purchase XX/XX/XXXX. 
. 

This did show up last month when I tried to get store credit for furniture shopping. I was denied for this reason. I disputed with Experian, they removed it then put out back. Please help resolve this improper credit reporting. Thank you. 

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 2018-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I WAS BANKING WITH XXXX XXXX XXXX XXXX, XXXX, ON THE SAME BLOCK I LIVE ON. BUT SERVICE WAS SLOPPY AND AT OTHER BRANCHES THE CASH COUNTING MACHINE WAS UNPLUGGED AND IN BACK AT THE XXXX BRANCH. 

I RECEIVED A {$300.00} OFFER TO BRING MY CHECKING AND SAVINGS ACCOUNTS TO CHASE, IN XXXX, CA. 
I WENT TO THE BANK AND A YOUNG TALL XXXX MAN SIGNED ME UP. HE FORGOT TO TRANSFER MY ACCOUNTS FROM XXXX XXXX XXXX XXXX, SO I HAD TO ASK THE CHASE BANK OFFICERS FOR DAYS AFTER. 

AFTER MONTHS, I ASKED IF THE {$300.00} WAS EVER CREDITED TO MY ACCOUNT. I WAS TOLD ONLY {$200.00} WAS CREDITED. 
THIS FRAUD IS UNACCEPTABLE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to seek clarification and verification regarding the reported late payment associated with my BANK OF AMERICA account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: KS
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:
On XX/XX/XXXX I received a call at around XXXX XXXX. from someone who said he was XXXX XXXX XXXX  XXXX XXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a Nurse. I have never been nor am I now a Nurse. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' s  ( experian, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed Experian and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX XXXX XXXXXXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, there were unauthorized purchases made using my debit card in several locations, and the amount totaled to a little over {$1100.00}. I was alerted by Bank of America about a withdrawal that was declined, and then realized the unauthorized purchases. I reported this to Bank of America immediately after this alert, and have been waiting on their response. I also filed a police report. I've yet to receive any updates about this case.

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 2020-07-30
Company: EQUIFAX, INC.
State: SC
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/2020 I submitted a dispute letter to XXXX, Equifax, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or around XXXX MBA LAW obtained private and confidential medical information about me and my XXXX  child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verfication in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected informtation including social security numbers and insurance policies of that of my XXXX  XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themseleves as lawyers and debt collectors yet do not and did not have a NMLS # vaild for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX  and XXXX XXXX. After many arguements and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudlent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and attornies and then ignored me. Assetcare and capio parteners aso have NMLS # that are not vaild in the state of flotida and have resold the fraudlent debt. I recieved a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an immensible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for entry level management in logistics, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my XXXX XXXX credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later XXXX XXXX reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to XXXX XXXX and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need 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 explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated 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 2023-04-03
Company: Integra Auto Capital
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: Account information incorrect

Complaint:
Integra Auto Capital LLC has reported incorrectly and falsely to XXXX that I have XXXX. Missed payments XXXX have been XXXX days late and an incorrect balance. I have never missed a payment nor have I been XXXX late as reflected on my report. They went months XXXX months without reporting anything I bring it to their attention and next day it pops up as missed payments. This has severely depressed me I am in the process of home buying and now this. I feel cheated and unfair. They have high payments already and no grace period after XXXX late you are charged a hefty late fee and after XXXX car is repossessed so how was I XXXX missed payments but balance decreased by thousands

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: KY
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/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check my credit and it showed the XXXX XXXX of XXXX the name of the collection is IC system. Someone use my social security and receive XXXX XXXX in XXXX XXXX Texas. I dnt live there so, please I want it off my credit report. This is the account number XXXX. I should get it off because I did not do this debt. I have not able to get anything because of this debt and another one that it is called a school loan the name is XXXX I did not go to school please check on that one to. Thank you 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