BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}

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 explanation
Consumer complaint received 2022-09-09
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not recognize this debt. It is on my credit report and I did not receive a written notice of right to dispute. Not sure if this is legitimate.

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 2017-07-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I asked the company verbally as well as in writing via CFPB to STOP ACH withdrawals from my checking account. They also harass by calling  6-7 ti mes per day from out of state numbers and not identifying themselves on the voicemails. I return the call the reps are extremely rude and hung up on me.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Someone fraudulently requested a credit limit increase on my XXXXXXXX XXXX credit card on XX/XX/2022 and I got a hard inquiry. I did not authorize 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 explanation
Consumer complaint received 2022-09-09
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX  plan and have been for many years. I paid my debt in full to XXXX  when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I tried to electronically cash a check made out to me by a business. 

The app accepted the check and stated funds would clear the next day. 

On XX/XX/XXXX i got an email saying the check was denied but no reason why, i made contact with Chime via Phone and they couldn't assist me and told me to email them, i sent multiple emails with no replies. 

I have had this problem multiple times with Chime, they for some reason offer check deposits but do not honor them and when questioned have no answer, this is a big concern for me. 

To date i still have not received any correspondence or contact regarding this problem from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS 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 non-monetary relief
Consumer complaint received 2015-04-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I set up payments with Navient, {$220.00} bank debit every two weeks and on set days on a set schedule. I was told to call 3 days or more ahead if a pmt date had to be changed. I called eight days ahead of XX/XX/XXXX to change the XX/XX/XXXX debit to XX/XX/XXXX and it took over an hour but eventually no problem, they said, we cancelled it and changed it to XX/XX/XXXX. But NO THEY DIDN't AND TODAY i WAKE UP TO {$220.00} GONE FROM MY CHECKING ACCOUNT and now my other bills are XXXX. Already they are demanding well over XXXX % of my income and they ca n't even debit honestly. I am REVOKING the privilege of automatic debit, they are not trustworthy. I need that money back and the pmt to be at the end of the month as THEY AGREED. I have been contacted by the AZ State Attorney General because they have too many AZ problems with Navient and they sought me out from my activity inside the CFPB website so clearly I am not alone. Of course I am cooperating fully with the AG and against Navient. I return calls to some guy XXXX XXXX ext XXXX but always a recording ... .always ... .Navient is not to be trusted

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Bank of America accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day BOA rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called BOA numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. BOA is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since BOA will not send me this copy of the check they have promised.

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 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
i disputed a charge, was given credit but then t was rebilled even thought i never rec 'd the item. spoke with a number of agents & dispute supr. at Capt I. they informed this happens all the time, i 'm in the process of writing a detail account of problem even so they have recorded my disputes.\ phone calls i was also told i would be rebilled for XXXX item of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX {$5700.00} / XX/XX/2021

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 2020-04-01
Company: EQUIFAX, INC.
State: AR
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 trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some things on my account hurting me. These things to not belong to me. My identity has been compromised. Please delete these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking and savings account with US Bank from around XX/XX/XXXX until XX/XX/XXXX or XX/XX/XXXX ( not sure on the dates ). Around that time I was purchasing some items, XXXX of these items were {$.00} cents each, and received overdraft charges for these items, I was aware that US Bank was capable of forgiving Overdraft fees in discretionary instances and asked them if they could do so. They told me that they would not reverse the overdraft charges to which I asked them to close my account and told them I would not be banking with them any longer. I have since not received one letter, phone call, email or any other form of communication from US Bank or any debt collectors on their behalf. On XX/XX/XXXX I received a phone call from a XXXX with the phone number XXXX threatening me with a lawsuit and telling me that I would be served within XXXX hours. They told me that I owed {$700.00} worth of interest that had accrued on my US Bank account over the last XXXX or so years and threatened me with a lawsuit in XXXX for damages of over {$3000.00}. I am currently interning with a governmental law office and in talking to some coworkers, I believe that this debt ( 1 ) was not fair in the first place, ( 2 ) had far surpassed its statute of limitations, ( 3 ) that if US Bank was trying to collect on a debt, they made little to no effort to contact me, ( 4 ) if US Bank did not close my account that day or shortly after as I asked them to and thought that they had, I received absolutely no information from them about my account still being open and accruing interest. Unfortunately I have no statements or anything from US Bank that I can upload at this time as I do not know what my account number is ( or was ) or how to gain access to it. I am also hesitant to call US Bank or go in to their local branch- as IF there is a pending lawsuit, I do not want to do anything that I am not supposed to do

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 2022-04-13
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am an adult male with an XXXX XXXX and on the XXXX XXXX. Money was legitimately deposited into my PayPal account, ( my stimulus check, by my mother, through HER PayPal account. Then fraudulent activity occurred, ( I was taken advantage of - my account was hacked ) then this was resolved, the money reversed back into my account, and now PayPal will not release that money that is rightfully mine, they are now saying INDEFINITELY. ( first they said they would only hold it for 180 days ; it has been over a year ). They are holding this money and not releasing it for NO apparent REASON. Nor could their customer service person provide me with any explanation as to why. They are holding over {$2200.00} of mine, and refused to give me a timeline of if or when I can have the funds that are suspended in my account. They simply said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FlexShopper, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX failed to send a written notification of the debt that was allegedly owed to FlexShopper. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with XXXX XXXX, it is with FlexShopper. As far as I am concerned this balance has been paid in full since XXXX XXXX paid off what was owed to FlexShopper in an attempt to try and EXTORT money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have lodged several complaints with Chime about a charge i have on my account and i have never received the items. 

Chime refuses to handle the complaint, within 12 hours of my initial complaint they advised me my chargeback was denied and they offered to send me paperwork on why it was denied, i requested this paperwork and it took them 4 days to get it to me, i have attached the paperwork to this complaint, their reason was they couldn't make contact with the merchant... this denial was within 12 hours of the chargeback initiating, how is it they couldn't make contact with the Merchant? 

I did advise them i attempted to rectify by the merchant was not responding and their webpage was no longer in operation, they still don't listen nor attempt to assist. 
All i get is generic scripted emails with no opportunity of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}

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 explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: FL
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. 
I tried twice on or before XXXX/XXXX/16 I called Bank Of America, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Bank Of America claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called BOA and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. 
Something is fishy Bank of America has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.

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 2016-06-18
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently looked at a copy of my credit report and seen that I had a collection from Medical Data systems. I wrote Medical Revenue service concerning account XXXX for the amount of XXXX. As explained in the letter I have no knowledge of this account and ask Medical data systems to validate the debt on XXXX XXXX, 2016. I waited patiently 30 days for a reply. Again, on XXXX XXXX, 2016. I sent second letter asking Medical data systems to validate the debt ; still to this day no response from Medical data systems so by law this should be deleted. Ignoring request is not validating the debt. As stated in my second letter I will be contacting the Attorney General 's office to bring this problem to the surface and I also will make a claim in court for defamation of character. This is a fraudulent account and beside when did Medical Data systems extend me any credit. I never signed or verbally agreed to any contract with Medical data systems. I want this frivolous account deleted from all three credit bureaus.

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 2015-09-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015, I took advantage of a promotion in the Macy 's men 's department at their XXXX, OR store where I would receive a XXXX % discount if I opened a revolving charge account. So I did, and promptly paid the full amount of the charge right there at the checkout stand. Several months later, I receive a statement that I owed more than {$500.00}. Upon investigating, I discovered that the account was charged XXXX for the same purchase. Once at the discounted price of {$390.00} that I paid on the spot, but then the charge at the full price of {$480.00} was also added for the same transaction. I never received a statement until several months later to discover the account had been referred to collections and more than {$100.00} in late fees and interest were also added. After trying for several weeks, and speaking to dozens of customer service representatives, I am compelled to file a formal complaint against Macy 's and their predatory credit practices. They lure customers to open usurious revolving charge accounts with discounts at the time of purchase only to rip-off consumers with false charges to their accounts and then charge outrageous late fees and penalties, referrals to collection agencies, and incur deleterious impacts to their credit scores without providing consumer-friendly, effective means to redress the problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card application was applied under my name for an XXXX XXXX XXXX XXXX Credit Card thru Bank of America ( BOA Application Reference # XXXX ). This was a fraudulent application and someone out there is using my credit record to apply. Not sure how they accomplished it but wanted to report it to you in case it's more widespread issue using my SSN. Application was filled in late XX/XX/2022 via XXXX. This application is NOT me.

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