BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I was informed by the Chime bank that they have decided to close my account and this was their message : " After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund ''. I had an estimated balance of {$2000.00} in my account and it's been more than 100 days since the account closure notice and I have not received my balance after my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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:
Accounts have been opened online without my permission fraudulently. I have had to file a police report and also have filed an identity theft report with the Federal Trade Commission by the recommendation of the investigating officer on my fraud case. I have contacted Equifax by telephone and have also sent them copies of my identity theft police report along with a copy of the Federal Trade Commission in regards to the fraudulent accounts on my credit report. They still are continuing to show these fraudulent accounts on my credit report and as a result I have lost a lot of the good credit as a lot of the banks for my credit cards have lowered my limits significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Consumer Portfolio Services, Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Old information reappears or never goes away

Complaint:
Toyota refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of Toyota Finance in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CHECK INTO CASH INC.
State: IA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Have been a customer at Check into Cash in XXXX, IA for past four years, for which my ongoing business cost me over XXXX in fees. Defaulted on a payday loan for {$250.00} on XXXX XXXX, 2015. Emailed company to request payment resolution and also NOT to contact references. 

Did not resolve account for months of XXXX or XXXX, promised to pay {$250.00} by money order mailed to location. But hardships kept me from making payment including mail returned to sender delaying money order and closing of checking account. 

On Friday, XXXX XXXX, I finally mailed a payment of {$50.00} with a request to hold a payment arrangement based on the initial payment. Almost two weeks later, the location has not honored the money order, nor have they offered any acknowledgement of receipt of payment by phone or postal mail. Instead, contacts were made to my references AGAINST my written request. This is a direct violation of laws protecting consumers from unfair debt practices. 

Requesting this lender immediately stop contact of any third party or employer listed, and also no contact by telephone. Instead, include all correspondence through paper mail or email, preferably to resolve payment at different business level. 

Payday lenders such as Check into Cash are great financial institutions with a competitive product that many hard working Americans take advantage of. If hard times happen, a dedicated customer should not be antagonized or patronized for amount due, and all efforts should be made to work with customer on resolving debt. This is a situation where a payment for XXXX of the balance has been presented but not honored, with a direct violation of consumer 's written requests. 

Resolutions with lender have resulted in nil. I am unsure how to make payment of remaining funds until original payment is applied, and unwilling to work with local storefront location who has offered poor service and no regard for my direct rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/2021, I attempted to transfer 61,000 American Express Membership RewardXXXX points from my Amex account to my XXXX XXXX account. When I clicked the " transfer '' button, the transfer was executed twice, so 122,000 points were deducted from my account instead of 61,000 points. 

I immediately called American Express to note this discrepancy and asked for the transfer to be reversed. The first customer representative I spoke to told me that I had requested two separate transfers, and that transfers could not be reversed. I emphasized that I had not requested two different transfers and asked to escalate the issue. I spoke to a manager, XXXX, who also reiterated that the transaction could not be reversed, and said " that is a bummer '' when I described the issue to her. 

She then began to ask me about other transactions on other cards, and said that she could not add additional points beyond 10,000 points, which I rejected as insufficient restitution. She told me that she would open case XXXX within American Express 's investigation department, and that the investigation would take 6-8 weeks to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Yesterday I received a call from XXXX at XXXX stating that my name was part of a complaint filed and I would be getting served. I needed to make available someone willing to sign some documents on my behalf. She said she was with a law firm. 
I called back and spoke to XXXX. She said I was being sued by check into cash for {$220.00}. Docket number XXXX. 
I told her I paid this debt last year/early this year. She stated I needed the letter. I told her to give me some time to pull my bank statements but that I never received the letter. 
I pulled up my records ( written and bank ) and saw where I paid {$100.00} every 2 weeks to XXXX XXXX XXXX. With the final payment of {$110.00} being paid on XXXX XXXX, 2015. I spoke to XXXX about this transaction. The number on my statement is XXXX. 
This morning I tried to call XXXX and no numbers work so obviously, I believe I have been scammed. 
I called XXXX this morning to ask her the name of her firm. She said XXXX Law. I asked if she could tell me the court the summons was filed in. She could not. I asked her who the process server is, she could not tell me. Her ext. Is XXXX. 
She asked for my email and said she would look into it. I gave her an email I do n't use. 
Now, I have to research XXXX and XXXX and hopefully can recoup my monies if I was scammed. 
Please look into both companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
Unauthorized inquiry is reporting to my credit report even after I have identified it as fraud and identify theft. I have mailed an FTC report to the company and have received no response.

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 2021-10-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2016-09-12
Company: Carter-Young, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved into XXXX XX/XX/2012. I was told I had to have a cosigner on the application, but I was given the key anyway. No paperwork was signed. 2 weeks later, I was told I had to go because no paperwork was signed to legally live there. 6 months later, I found a whopping bill for {$4500.00}! I never ( legally ) lived there and I was there for 2 weeks, but got charged for the whole year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: REGIONS FINANCIAL CORPORATION
State: CA
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:
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable

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 2016-02-02
Company: RevMD Partners, LLC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rev MD Partners is continuing to send me a bill for {$1700.00}, that I have paid. Rev MD sold this bill to XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX United States. I have already reported this to the CFPB case number XXXX. I have told Rev MD Partners that this has been paid and they continue to send me a bill and call me. The contact info for Rev MD Partners XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone 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 2021-10-18
Company: Risecredit, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a call from a collection about this debt that I still dont know where it came from or how it got pend on me because this was not mine. But this collection agency wanted to settle for {$3000.00} so I paid it 2yrs ago and it is still on my credit. Im really modified to get this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: OR
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:
ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.

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 2015-09-10
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX applied a balance to me that was in someone elses name and personal information. The person was a roommate, who is not related to me, XXXX years youger than me and who provided their social security number, dob and address and used the internet service. I told them this was not my debt but they have placed it under my name with several collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
Bank of America deleted my payment profile on the account and told me I needed to set up a Bank of America Checking account. When I tried to reset up my regular payment method I got the same message saying I needed to set up a Bank of America account to pay. Isn't this an anti trust violation? I was about to be late with my bill and they are coercing me to try to get other business from me I do not want with them to avoid ending up with a late payment.

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 2021-10-17
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. Comenity bank was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX  XXXX XXXX, but I longer have an account with them. I reached out to XXXX  XXXX XXXX, and they said they no longer had my account statements saved. I logged onto XXXX  XXXX  to check my credit score, and I see I have a derogatory mark on my credit. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Bank Of America, N.A Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2017-08-14
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not been able to get the mortgage company ( Fay Servicing ) to pay my Abatement Contractor. The work by them is complete and the mortgage company has had the funds for 2 months now. The contractor is getting ready to send us to collections and have added interest to the amount owed. I have been on the phone at least once a week with my mortgage company and have only been told it is in review or they need to inspect the work, but have not set up an inspection date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was no sub category for this issue so this is probably in the wrong category. My Transunion credit score dropped 90 points in one day ( yesterday ). All of my open accounts are in good standing. My credit usage was reduced. All my open accounts are paid on time. My collections balance was reduced and yet this cause my credit score to drop by 90 points? I want Transunion to logically explain to me how my credit score can drop by 90 points when there is no new derogatory information that has been added. All my open accounts have been paid on time. My credit usage has reduced from last month. I have no new open accounts. I have no new credit inquiries. How is it possible that my credit score dropped by 90 points when my credit usage has been reduced from last month, my open accounts are all paid on time and in good standing, my collections balance has been reduced from last months balance. I have had nothing but positive things on my credit report and yet my credit score drops by 90 points. Not likely.

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