BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-27
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX called XXXX XXXX to inquire about current bill to set up payment plan and was informed I had outstanding bills I had at the Medical Revenue Service XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX XXXX XXXX ( collection agency ). I verified the amount owe. Amount of account owed ( {$360.00} / {$120.00} / {$12.00} ) I asked if I could just pay XXXX and was told I had to go through Medical Revenue Service. I called them immediately and paid a portion of my bill on XX/XX/XXXX and ask if this was on my credit and was told yes it was and I set up a payment plan. I was told it would be XXXX balanced once paid ( XXXX letter sent ) and paid as agreed on credit report and that meant that would be taken off my credit. I did not seek a settlement because I wanted to pay my debt and it was coming off my credit. A couple of weeks later I called and paid off the bills completely on XX/XX/XXXX and was told I would get a XXXX letter and it would take 10 days. I waited for the letter and received a statement in the mail. I called and inquired to see if the letter was coming and when will it would be taken off my credit. I was told that there is no letter that the statement shows XXXX balance and that's all I will get and they would not take it off my credit. I tried to explain to the representative and asked for a supervisor or manager I was told there is no one else I can talk to and the representative did not even attempt to send me to someone else. So now that I have paid my account they will not do anything for me as a consumer

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 2022-09-08
Company: The CMI Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been a customer of XXXX for at least 30 years. I moved to Florida for XXXX years and I had them there also. I have always given them the opportunity to use my credit card to collect my monthly charge. In XXXX or XXXX I dont remember exactly, I called the company and spent two hours on the telephone to downgrade my current bill. The whole time I was talking to their outsource person possibly in the XXXX, I dont know. After that time went by I was very happy because they downgraded me to a cost that I could possibly afford. They downgraded my XXXX bill to approximately {$100.00} per month. After spending all of that time on the phone with them I neglected to check my statements from XXXX and when I did check my statement, they upgraded me to {$170.00} for one month and {$190.00} for the following month. when I saw my statement I am mediately called XXXX and again spent a number of hours at different times trying to get through to them and all they kept insisting was is that I upgraded and I didnt downgrade. There was no way I wouldve done that. Apparently whoever I was talking to in another country Did whatever they did. I am mediately called my bank, XXXX Bank, and they called it a fraudulent charge and removed it from my account. They have been constantly harassing me even after I moved back to Pennsylvania and will not listen to what I am telling them. I have refused to pay them but I just two days ago and received another bill from them for a total of {$590.00}. They have not even credited me for all of the tools that they gave me and I have been unable to make any progress with them. When I received this bill again yesterday it was after I spoke to them when they called me a few days ago told them the whole story, and all they did was send me another statement for {$590.00}. Ive been with XXXX for many years and have always paid them on time. I have refused to pay this bill and I am asking for your help. Thank you, XXXX XXXX XXXX,

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 2017-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX XXXX XXXX, Experian charged {$190.00} on my XXXX ending in XXXX. I did not agree to the Subscription service so the charge was never completed. Experian has a hold on my XXXX XXXX for {$190.00}. 
Experian is refusing to resolve the issue. I talked to supervisor XXXX and Supervisor XXXX. XXXX. They have had the hold on my account for 5 days! The Merchant Transaction number is : XXXX. I did not authorize the charge to my account and the account with Experian was never created! I contacted XXXX XXXX XXXX and was told that XXXX XXXX XXXX can not stop the transaction. XXXX XXXX XXXX refused to assist to resolve the matter! XXXX refused to contact Experian and Experian refused to contact XXXX XXXX XXXX. Experian says they never charged me! XXXX XXXX XXXX says Experian did charge me and has placed a hold on {$190.00} and denying me access to my funds as a result. I want the Federal to sanction Experian for this illegal conduct. The phone calls were recorded so you have all the evidence you need to take regulatory action on this matter. I talked to XXXX at XXXX XXXX XXXX and the Supervisor at XXXX XXXX XXXX was someone named XXXX. The time of the call was between XXXX XXXX and XXXX for your investigators. This is illegal and violates Federal regulations.

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 2017-06-19
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/2017 Americredit Financial made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: I.C. System, Inc.
State: FL
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:
A company called IC System has just reported that I owe them {$980.00} on my credit with account number " XXXX ''. I responded to a notice I received from them on XXXX XXXX asking for an explanation for what this money was for but I have not received a response. I am attaching a copy of the letter I mailed to IC System. I requested more information on XXXX/XXXX/2017 and instead of responding, they chose to report this debt on my credit! This company has not provided me an explanation as to why they are charging me this money. This is not the only problem. Another company called " XXXX XXXX '' is also reporting this same account on my credit report! They have a different account number of " XXXX '' but the money they are asking for is {$980.00}. Is n't it illegal for two collection companies to try and collect on the same debt at the same time? I do n't know what this debt is for!

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 2022-09-08
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: Account information incorrect

Complaint:
I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.

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 2022-09-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.

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 2021-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my accounts closed by chase and they are holding all my funds and want release them to me its been almost two months and every time I try and talk to someone about the phone automatically disconnects I need my money returned to me and the bank is refusing to send my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX  deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I disputed a charge for XXXX on XX/XX/XXXX they deducted the money and charged me several nsf fees which I also disputed.. they never credited my account even though ******they charged the transacts back to XXXX XXXX on XX/XX/08 ****** I was served a paper by XXXX XXXX with the charge back information.. today I spoke with a man who id himself a s a manager for bank of the west and he sd he could not help me and just wanted proof that I disputed the charge. All the calls are recorded that I disputed them they charged me for it then then charged it back to the company also trying to make me pay it twice while also charging me fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan company Navient has scheduled an increase on my repayment plan to XXXX as of XXXX/XXXX/XXXX that i did not authorize that was once before XXXX which i started to payment XXXX/XXXX/XXXX. When i spoke to Representative he said the plan i was end only last 2 years, notice i been in this plan for 4 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: SUNTRUST BANKS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.

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 2017-06-19
Company: Nicholas Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TCF NATIONAL BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

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 2022-09-08
Company: BOK FINANCIAL CORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im traveling abroad and I don't have access and time to call my bank to open a fraud dispute. 
On XX/XX/XXXX I receive a message on my phone saying that my debit card was locked due suspicious activity. 
Then I checked my bank statement and there are several transactions that I never authorized, and checking my wallet I noticed my debit cars was missing. 
I need to report fraudulent transactions starting on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX until the last transactions posted on my account. 
Before that one the transactions posted are authorized. Attached goes each transactions marked with a circle, those are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX I sent letters to each bureau asking them to verify the inaccurate information that is reporting to my credit profile. The accounts reporting to my report are not mine. It's been over 30 days and I have yet to receive a response back from them. I feel like I am being taken advantage of and being ignored. This false information is holding me back from a lot of opportunities. Please help me with this problem.

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 2021-09-25
Company: EQUIFAX, INC.
State: VA
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:
XXXX exquifax XXXX report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
From XX/XX/XXXX thur middle of XX/XX/XXXX I was unable to do my payment in timely fashion I was incompastated at time. Some payment where made late or not all. I was in XXXX XXXX XXXX. By the time I was able to go back and do my owe finances the damage was done. I guess what I trying to say is I don't feel this should have negative impact on your credit scores. They closed my accounts, and drop my credit limit. XXXX would not help with there remarks. And Synchrony Bank closed one left one open, which makes no since. Once I was back in charge everything was back up to date. And a mortgage was Paid off which drop my score again. They didn't take in account what happened. I'm sure I'm not only one this happen to.

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 2017-06-19
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, 2016 I became aware of delinquencies on my account by BMW Financial Services because of an entry onto my credit report. I contacted the creditor and asked why I was not notified. I had continually checked on account and it would show all payment were being made and was current. I was told that there was an error on the account number, my name was incorrectly printed on contract and the payments were not being processed. I promptly made all payments current with with assurance from the Financial manager that any negative information sent to credit reporting agencies would be removed. Now the company refuses to honor the agreement and have damaged my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

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