BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: CREDIT ACCEPTANCE CORPORATION
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.

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 2022-08-04
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:
It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}

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 non-monetary relief
Consumer complaint received 2021-06-29
Company: Chime Financial Inc
State: UT
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/2021, my credit card information was stolen. I reported it immediately to my bank, Chime. They have reversed all of the transactions but two of them saying they could find no error with the transactions. I filed a police report and notified them that I didn't make ANY of the transactions. They don't care. They say their decision is final. I'm still short for {$100.00} from the money that was stolen from me. Chime will not acknowledge that this was fraud, and still states that they found no error with this transaction, despite the fact that they found " error '' with all the other transactions. As part of their denial, they said I could request all the documents they used to come to this determination. I have requested those documents, and they still have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: MA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 violation Misleading False reporting XXXX XXXX Account Number : XXXX Please investigate that this account is reporting 100 accurate I see so many errors which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX FDCPA Section 807 violation Misleading False reporting XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bluebird card that i used for bill pay was compromised and in the end result bluebird closed my account and denied my claim. I went to XXXX and loaded XXXX bucks on my card i quickly realized the XXXX i forgot to keep for gas. I went to stand back in line and the cashier pointed me towards the atm where i then withdrew the XXXX dollars. While at the gas station in an attempt to buy a water bottle i realized my card was missing so i went back to XXXX to find my card and was told the ATM must 've eaten it up. i then left got home and called bluebird while on the phone with the bluebired rep i explained that i lost my card and that i needed a replacement sent out the rep went ahead with my request and in the middle of conversing told me my card had a balance of XXXX dollars left. I told her that must be wrong she then let me know that the transaction had just occurred while we were on the phone and that it was a XXXX withdrawal, she asked before sending me over to the fraud department if anyone had access to my pin i told her that since bluebird is the only card i have that would n't let me use the last XXXX of my social for my pin i had written it on the back of my card. The rep then encouraged me to file a claim on the transaction as i was crying trying to figure out what to do. I filed the claim with the rep and was send a declaration of fraud to complete. i completed it sent it back waited XXXX weeks calling and checking on the status of the claim on XXXX/XXXX/2016 a rep by the name of XXXX told me the money would be in my account on XXXX/XXXX/2016. When i woke up this morning i got XXXX emails from bluebird XXXX stating that the dispute was declined the other stating that my account was closed with funds in them. When i called to try and find a resolution i was given the cold shoulder and told that there decision was written in stone and final i tried and tried to explain with no success. When i asked them why they could not give me a reason as to why they decided to deny me and then close my account. When i asked for the account number they told me they could not provide it. I took out a payday loan to pay my bills because i was told i would be credited today but instead i woke up to a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from UNIFIN - current creditor is XXXX - {$12000.00}. Saying its from my current bank XXXX XXXXXXXX XXXX . However I bank with them and I do not owe them anything. I have a current open account with them. And Ive never received any thing from them asking me or telling me that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue. 

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well. 

Please find my updated contact information, and update it inside the personal statement ( s ), and such! 

Best Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive had a capital one XXXX card for a couple of years with a credit limit of {$500.00}. Ive requested a credit line increase as I am a small minority owned business and using credit is a critical part of establishing business credit. I have been declined for a credit line increase despite my good payment history. Capital one is not giving me an opportunity to build my credit history when in fact that was the point for establishing credit with them according to their marketing and advertising of the Spark Business Card. I feel they were deceptive and selective about business they give more credit to. My XXXXy does $ XXXX per year in the XXXX business. The current {$500.00} credit limit doesnt even allow me to fuel one of my vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CONGRESS COLLECTION CORP
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. 
I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Mercedes Benz Financial Services
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I recently completed a consumer credit application with Mercedes Benz Financial Services on XX/XX/2020. Proof of that application is seen in the first attachment. Upon entering into a consumer credit transaction which can been seen by attachment number 2 that I never received my property. I extended credit as a consumer should and was never given any property to show proof of this consumer credit transaction. I only received an adverse action which pursuant to 15 USC 1691 ( d ) ( 6 ) only applies to insurance and employment so I am not sure why they sent an adverse action instead of the property and a breakdown of the finance charge. I am seeking help from the CFPB as MBFS has pretty much stolen my identity at this point and furnishing on my report is the result of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged bank acct wrong day or amt

Complaint:
OneMain Financial ( Springleaf Financial ) Lender caused overdraft fee for XXXX dollars. I had auto pay setup for my loan account and paid it early. I paid it on the XXXX of XXXX. It stated online that nothing was due, indicting that the autopay would not take money from my account. Yet on the XXXX of XXXX, the money still came out of my account, causing me to pay an extra month early and a XXXX dollar overdraft fee. I called requesting that they refund the XXXX dollar overdraft fee and they would not. I also unenrolled out of auto pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that THE BEST SERVICE COMPANY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I submitted a complaint to the CFPB in regards to the issue I am having with Financial Adjustment Bureau. The collector responded to the complaint on XX/XX/2021, and advised that because the account was not disputed within the initial 30 day validation periods they were not obligated to respond. 15 U.S.C. 1692g ( c ) provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. I did not receive any proof from the collector that I was notified of the debts. The company has violated Iowa Consumer Credit Code 537.7103 ( c ) by failing to negotiate my disputes in good faith and willfully refusing to correct the issue. The company claims they have no responsibility to respond to a validation request, but this is false as they're a debt collector and not the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Navient Solutions, LLC.
State: PA
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:
There are late payments on my credit when I was granted a leave of absence and I was disputing charges as I received student loan and university failed to provide required courses for graduation and degree or transcripts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hello, I recently realized that paypal has made a hard inquiry for a credit card without my permission. Many people have experienced this same issue and there has been a lawsuit against paypal regarding this issue. The option to made a credit card inquiry was already checked for many people without permission. it was deceptive and lowered my credit score. I want it to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My Issue Is with This Collection Agency Southwest Credit System. The Company Keeps Putting the Same Fraud Account on My Credit Reports thanking I wo n't Catch it when they Sneak and try to put the Account on my Credit reports. The Company Has known that 's it 's a Fraud Account for A While Known. The Original Company XXXX Did n't Hold Me Responsible to Pay off A Fraud Account that Was n't Open by Me, But This Collection Agency Want to Hold Me Responsible Since They Bought This Fraud Account, And Keep harassing me to pay for this Fraud Account. I 'm Not Responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Epn, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OK
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have several bank accounts at Huntington bank. I have an IRA that I am trying to transfer money from and put into my checking. I recently moved and there is no Huntington bank where I am and the bank is refusing to give me my money without me being present. They refuse to send me the form that I can sign and have notarized and sent back. I really need my funds and the bank will not release them to me. I have tried calling the bank 3 times and the bank employees keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # 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 2021-06-29
Company: EQUIFAX, INC.
State: NY
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX. 

I have proof to show for it. 

Kindest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
This item has been on my report since 2011. They have inaccuracy of my balance along with late payments that should have removed based of the 7 years criteria. I have disputed this item on several occasions and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, XXXX XXXX I am filing a claim against these reporting agencies for falsely having wrong information on my credit report making it hard for me to have a better life. I have tried to communicate with them will not return my calls XXXX ask for my information says it wrong so I can't get in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation