BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Hello. I hope you can help me! In XXXX, XXXX, I contracted with Gitmeid XXXX to help me restructure and pay off debts. At this time we had accumulated lots of medical debt, and my husband had lost his job and had to retrain for a new career. We were desperate and under the impression that filing bankruptcy would keep my husband from getting a job in the new field he had just trained in ( also the reason this debt restructuring was done in my name only ).

Gitmeid XXXX has collected {$810.00} per month and that money has gone into an account which they use to pay off creditors XXXX of course they keep fees too ). Two of the three debts I enrolled were negotiated and paid off by Gitmeid XXXX - but I am having trouble with the last amount of debt. 

My account at Gitmeid XXXX has {$8800.00} in it, and my last debt is in the amount of {$23000.00}. Gitmeid XXXX is pressuring me by repeatedly asking me to pay another {$790.00} per month, through XX/XX/XXXX. If I do this, I will have paid {$23000.00} to settle a debt of {$23000.00}. I realize they need to make a profit, but this seems much too high. I have asked them to get me a better deal but they keep telling me this is the best they can do. 

My contract ( with Gitmeid ) says I can cancel at any time, however, my research indicates they will keep the {$8800.00} that is in my account - and ( probably ) keep taking money out of my checking account each month ( unless I close it ).

Gitmeid XXXX claims they are offering to settle my debt for {$14000.00} - but they are not taking into account all the money already paid by me that is in their account for me ( {$8800.00} ). In order for this to be true, I would only need to pay another {$5400.00} ( not an additional {$14000.00} ) Can you help me get Gitmeid to try and settle after maybe another 6 months of payments? These payments have kept my family broke ( my husband is out of work right now and I am XXXX ). I paid a larger amount this month ( {$3000.00} ) because Gitmeid had told me that - if I made a larger payment - my debt would be settled sooner. 

Please let me know if I have any options to get out from under this. 

Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: CarMax, Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax Numbers ( XXXX ) XXXX Fax Phone Numbers ( XXXX ) XXXX Phone ( XXXX ) XXXX http : XXXX They have been trying to collect on an auto loan that has been paid off. XXXX XXXX # XXXX balance {$8900.00} date opened XX/XX/2021 for Carmax Auto Finance # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Bread Financial Holdings, Inc.
State: AK
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 was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach COMENITYCAPITAL/ULTA Acct # XXXX is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TX
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 XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Online IN SV XXXX, XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: WorldRemit Corp.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am XXXX XXXX, currently working onboard cruise ship XXXX XXXX under the company XXXX XXXX. 
I did a international money transfer from an online app WORLDREMIT to my bank in the XXXX. However there was an error during the process and the money was not deposited to my bank in the XXXX, but they already deducted the money from my XXXX Account ( XXXX company Issued account for my payroll ). 
Now, I tried all the options from the app in order to fix the issue but the problem is they don't have any response, even a single email so that I have an update of what's happening to my money. It's a very small amount only {$100.00} but for me already big amount that I needed to send home. My last move that I did is to cancel the transaction and to return my money, but still they have no reply. I did the transaction last XXXX XX/XX/2022, today already XXXX XXXX I still have no update. 
The transaction number is : Confirmation Code XXXX I hope somebody can help me with this problem. 

Thank you in advance for your assistance. 

Truly XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: MS
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 asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
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: Account status incorrect

Complaint:
All of my student loans have been paid in full! I have the documents to prove it. Please report this to all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Chime Financial Inc
State: PA
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:
My chime debit card was charged XXXX $ on XXXX which was unauthorized on XX/XX/2022. I filed a dispute with chime on XX/XX/2022, I explained that my card had been compromised and even filed a police report and submit a police report to them, Im currently XXXX XXXX XXXX and this is very stressful on me, chime has denied my claims and refuse to issue back my money. The complaint number with chime is XXXX the card used was ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Account status incorrect

Complaint:
I am filing this complaint against Equifax for reinserting an collection account back on to my credit file after removing it around XX/XX/2021, The account is from XXXX XXXX XXXX acct. # XXXX a collection agency. Equifax has reinserted the account under other same amount {$300.00} just different section or category of my credit report. This is negatively impacting my credit it is unfair practice. Please help me to have Equifax to delete this account once again from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Skrill USA, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
My issue is with the company SKRILL ( they tout themselves as a XXXX alternative ). 

On XX/XX/XXXX at XXXX local time I withdrew {$250.00} from my bank account to my new Skrill account. The website says " goes to your wallet in seconds '' ( photo attached ) and below that it says up to 3 business days ( well which is it?? ). 

Not only was it NOT in seconds ... .OR 3 business days for that matter, it was 5 business days as the money finally showed up after being in pending status on XX/XX/2022. 

I called multiple times and asked to cancel and they said " sorry there's nothing we can do, you'll just have to wait ''. 

Money finally shows up and at this point I just want to withdraw it and forget I signed up for an account and cancel my account. They want to charge me {$5.00} to return my own money, UNLESS I downloaded their app on my phone, then it would be free. 

Yeah ... .not doing that ... .so I transferred the money to my online sportsbook and withdrew the money FOR FREE ( as it should be ) and CANCELED my Skrill account. 

Horrible experience, wasted HOURS of time with them and want their LIES exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed two accounts listed on my credit file. The investigation resulted in both accounts being updated. On XX/XX/XXXX I mailed out a method of verification request. Per USPS tracking, Experian received that request on XX/XX/XXXX. Shortly after, I received an alert that the accounts were updated ( again ) and the dispute was closed. The method of verification request was completely ignored. 

I contacted Experian by phone XX/XX/XXXX and I spoke with a live agent. I asked for clarification of the alert and the agent told me it was closed. I then asked her why I did not receive the information I requested. She stated that Experian could not and would not provide this information. I informed her of my rights under FCRA and still nothing. I then informed her that I was recording our exchange and she ended the call.

FCRA 611 ( a ) ( 6 ) ( B ( iii ) states that a CRA must provide : The description of the procedure Experian used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have/had a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. The credit bureau must give me the method of verification information within 15 days of my request and clearly, this did not happen. Experian closed my dispute without properly investigating. I also was able to record the phone exchange in which the agent clearly said Experian would not be providing the information I requested.

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 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to pay off an account currently charged off with Bank of America upon paying them off I was told they I can not be provided a letter only a confirmation number the letter has to be mailed which is absolutely unacceptable and I have never heard of such thing from a bank as well as they had no explanation of the amount that was due either

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 2022-08-03
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, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I took out a personal loan with Loan Me, and after I got sick with XXXX  I couldnt work anymore or pay any of my debts. 
So Loan Me transferred my debt to XXXX XXXX XXXX, this company calls me XXXX times a day or more. 
And last week they called & text : My Father / My Sister / My XXXX XXXX XXXX daughter & My Ex-Husband!!! 
In the text messages they disclosed how much I owe them and they also tried to negotiate down the debt so they could probably pay it off for me. 
This was very embarrassing and Ive been very depressed!! My sister is also mad at me & not talking to me over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
XXXX sent responded saying they contacted XXXX XXXX  and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/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 2022-09-30
Company: EQUIFAX, INC.
State: DC
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Credit inquires are not correct open accounts or pass debts are invalid on my report that are being reported to credit bureaus

Company response to consumer: Closed with explanation