BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following account are not mine, ( XXXX XXXX AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with equifax many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e equifax as well. 
thank you for your help and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company prematurely added and falsely/illegally added a collection account, XXXX XXXX XXXX XXXX ( {$200.00} ), to my credit profiles, without notifying, verifying, or given me a chance to dispute the validity. This company has been trying to extort me for money for years for a bill that is not owed to them, and original creditor has written off and already been paid. 

Company reported this account to my credit profile on XX/XX/2021 ; however, the company reported the account as opened and last reported XX/XX/2021? These shananigans has caused a financial distress to my life and I DO NOT WISH TO DO BUSINESS WITH THEM!!! See attached files. 

REMOVE THIS ACCOUNT FROM MY PROFILE IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
It is the first time I heard about the company named XXXX XXXX. What happen is that, the bank called me and said that they canceled my application and Issuance of Debit card because XXXX XXXX told that my Account at XXXX XXXX Issued a token.on my account.But that token that Chex said is a dispute on my account at XXXX XXXX, and I wasn't aware of that. Because there's always someone accessing my account not only at XXXX XXXX, also to my account at XXXX XXXX and XXXX  XXXX XXXX. That is why those account got closed due to the transactions that I didn't do.Because I am having issue accessing my account because all the device i '' m using was been compromise, and even all my email account and social media account. I think it was planted. Imagine, even my assets, investment, insurance, shares of stock and dividends are being manipulated already.by the called third party and maybe, Chex is affiliated with this third party.

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 2017-11-17
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is to re-open a previously submitted claim through CFPB regarding a dispute between myself and Citibank. The reason I am forced to file a new claim is because CFPB has marked the case ( XXXX ) closed without allowing me to respond or rebut Citibank 's response. 

In that claim, I stated a payment was made on XX/XX/XXXX in the amount of {$990.00}, which was the only payment I was referring to in my last CFPB complaint ( dispute with Citibank ). I was assured my account number was accurate and was legitimately able to make relevant payments. I first went on this assumption. I then waited 4 days to check with Citibank to make sure the payment went through properly, as I 've become aware ACH payments will not be approved/transferred in one or two days. 

OnXX/XX/XXXX, I contacted Citibank via their chat service available on their main website through my account. As I mentioned in my last submission, the main reason for opening that particular chat session was to check on that specific payment I submitted on XX/XX/XXXX. That was also the main reason for my submitting my last complaint about Citibank through CFPB, and Citibank conveniently ignored that aspect in their response ( which I will attach to this complaint when prompted to upload additional documents ). 

I was told very clearly that Citibank had received my payment, had accepted the payment, and that Citibank has been paid by me ( XXXX XXXX ). I will also attach that online chat session ( again ) with XXXX, the agent or representative assisting me in that particular chat session. 

I am again demanding the said amount I was assured had been paid to Citibank onXX/XX/XXXX per the said chat session with a Citibank agent or representative be honored as a payment, or for Citibank to admit they lied to me with such assurance.

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 2021-06-23
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have sent more then one complaint and still nothing. I reached out to the advocacy group on AES web site and i got in a short statement to bad. I have letters out to them today. I have a letter to my attorney general in my state. I was reading their response and it said to call XXXX XXXX XXXX. You may also contact them via mail at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Well this place has no idea why they still get call about AES to them. So as of today I am going to have to drop my health insurance and house insurance in order to pay the payments which i am behind on. So by doing this i risk a fine and even more. How do they expect me to live? I even have proof this has effected me mentally. this is a joke. i regret going to school

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 just received a note on acct ending XXXX saying if they so choose they can cancel my account due to disputes. I recently had my card used without my authorization. Another issue is since the pandemic many items i ordered were STOLEN. as such i disputed them i dispute being in this category of being at risk to have account closed and i want to talk to someone in authority when good for me. I have had this account many years good customer. I want more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CASH AMERICA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Took out a {$300.00} loan at XXXX XXXX XXXX, IN. 3 months later I had a discharged bankruptcy. Loan is still showing on Indiana small loan data base. I Contacted company and their collection agency several times. Collection agency said they would take care of it and have it removed. She never did. She will not return calls or answer my call. All I want is the loan removed from the Indiana small loan data base, because it was discharged in a bankruptcy. 

I do not have my loan documents, because this is over 1 year old. Bankruptcy was discharged nearly 1 year ago also. XXXX XXXX has my loan information, because I have been in contact with them recently. As of XX/XX/2018 loan was still not removed from IN small loan database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Universal Account Servicing, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This communication is to file a complaint against of Universal Account Servicing , LLC debit collector who charged my debit card for 6 consecutive months in amount of {$66.00} ( total charge {$400.00} ) since XX/XX/XXXX till XX/XX/XXXX. 
Reason for a complain is to refund all charges back to XXXX XXXX due to Vendor ( XXXX XXXX XXXX XXXX XXXX XXXX has never provided services to me, closed my account and their business. 
I am attaching my account summary that is showing monthly charge on the account in addition to account #, holder name, business address with their contact information. 
I will greatly appreciate if you can help me to resolve this issue and to have Universal Account Servicing , LLC to refund all charges back to me as I never received serviced that I was charged for. 

Complaint against of : Universal Account Servicing , LLC XXXX XXXX XXXX XXXX  XXXX, MO XXXX Account # XXXX  Case # XXXX XXXX Phone : XXXX Manager name : XXXX Claimer information : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Unit XXXX XXXX, TX XXXX Claim amount : {$400.00} Thank you for your time and assistance! 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I co-signed on a vehicle for my sister back in XX/XX/2016. the car was a lemon and kept breaking down. we returned the car to the finance company : MAS Financial. they falsified information saying they repossessed the vehicle. I had it towed to them as a will full turn over. now they call and threaten with lawsuits and criminal penalties. the change the amount every month and report it to the credit bureau causing my credit to vastly depreciate consistently, and its been going on for over a year taking my score from a XXXX to a XXXX. they have lied to other lenders stating the repo is more recent then it actually is. they continue to harass me on my cell, they've called my employer. its such a nuisance. I feel they are intentionally attacking my credit on a monthly as a way to force me to pay them. please 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 monetary relief
Consumer complaint received 2018-03-16
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A person known as " XXXX XXXX, '' hacked into my Venmo account and sent himself multiple transactions. Each amount going higher. Until the request for {$200.00} was denied for NSF in my account. I notified Venmo that this activity was fraud and they " froze, '' my account while they investigated. ( this is all via chat, btw- Venmo has NO phone communication at the time ) Even though I did not have the available money in my account- venmo authorized all these transactions and ruled them as " non fraudulent. '' So they cost me {$600.00} in overdraft charges right before XXXX while this random person continued to steal from me and Venmo allowed it. 

When I was finally contacted by an " account supervisor, '' she didn't even mention my issue. Simply told me that I needed to pay {$40.00} back to venmo because I disputed the charges with my bank. 

I TOLD VENMO it was fraud. I had proof and logic on my side- but they didn't even care enough to have a human speak to me. I still have not heard a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with transunion but they have still not corrected it. This wrong information is affecting my credit score.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 contacted Transunion to dispute a few inaccuracies on my report. On XX/XX/2020, Transunion received my dispute via USPS certified mail tracking and did not investigate my dispute. I have attached the proof.

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 2019-05-24
Company: EQUIFAX, INC.
State: AL
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 have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX, XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Aargon Agency is reporting a debt that does not belong to me. I have disputed the debt with XXXX several times. The agency refuses to remove the debt and does not provide documentation of where I signed paperwork agreeing to this charge. XXXX reports that it is an accurate charge without any proof of how they have arrived at that resolution. In fact, XXXX has deliberately delayed resolution claiming they did not understand my request. Then, delayed my request a 3rd time saying the same thing, the report is accurate without any determination of how they arrived at my responsibility for a bill that does not belong to me. I want this item removed immediately.

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 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 received an email last week stating that I had a debt of {$670.00}. Which is owed to the department of Treasury. 
I have zero knowledge of this debt. 
I file and pay my taxes on time every year. 
I can not get anyone at the department of Treasury to respond to my request and I have no idea what this is. 
What is my next level of escalation on this issue?

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 2017-11-17
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, Our earned AMEX Rewards points were taken from our Rewards Account and our Rewards Account was closed due to an accidental cancellation on XXXX/XXXX/XXXX of our card ( which was reinstated within a day or two ). I noticed there were no rewards points on our statement and called AMEX on XXXX/XXXX/XXXX ( and possibly before this date ) when I was told they would be reinstated and I was lucky to catch it before 30 days from accidental cancellation. I also asked for credit of the points accrued since XXXX/XXXX/XXXX and they were unsure as to those being eligible for credit of points. At this time I was told we had over XXXX points earned and XXXX or so accrued. On XXXX/XXXX/XXXX I called again and asked for the points to be reinstated. According to AMEX the call was incomplete because it ended before all the disclosures were made. AMEX never tried to call me back, nor did they send a notice. I thought the call was complete. On XXXX/XXXX/XXXX our earned points were swept out of the Rewards Account and the Account was closed.- I was not aware of this until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called again and was told points were gone and they would check into it. 

Today, XXXX/XXXX/XXXX, I spoke with the " Supervisor of Membership Awards '', XXXX, employee # XXXX. XXXX confirmed the above dates and was unwilling to consider my request for reinstatement of earned rewards because the XXXX/XXXX/XXXX call was " incomplete '' on their end even though her notes did indicate the request for earned point reinstatement. She said after the points are swept there is nothing they can do and my complaint/request was closed. She said there was no one else for me to talk to since Corporate closed it. 

Attached are email confirmations after each inquiry ( the XXXX call was dated the next day but AMEX confirmed it was XXXX ). We are a small business and we count on the rewards points to cover expenses. To our company this is a significant problem. It was n't until my call on XXXX when AMEX informed me that I needed to open a new Rewards Account in order to accrue points for transactions from that point forward. No one informed me prior to that I needed to open a new account so we missed credit for everything since the original earned points were taken. 

I do n't believe customer service in the Membership Rewards group is interested in giving back points and wonder if there is incentive to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved my home and transferred my service for XXXX XXXX and XXXX XXXX internet services in XXXX of XXXX. I had ongoing billing problems with XXXX XXXX for the next 8 months. I spent no less than XXXX HOURS of my time on the phone and online trying to get them to remove their billing mistakes on the old accounts. I was told that I had paid in full and thought my accounts were correct. I am still a current customer. I have had continuous service with both companies. 
Recently the company sent me to a collection agency in the amount of {$710.00} without making any attempt to notify me first. I have disputed these incorrect charges with all three major credit reporting agencies. 

I refuse to spend more time contacting XXXX XXXX billing department. They were able to keep turning off my XXXX XXXX services ( 4 times ) during these 8 months. I demand that they remove the collection attempt from my credit file.

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 2018-03-16
Company: Pinnacle Credit Services, LLC
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 status incorrect

Complaint:
This account should be off of my credit. I payed the collection agency and we agreed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation