BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a successful business owner married to a professional XXXX. We share joint bank accounts and file taxes jointly. My business uses a XXXX American Express in excellent standing. For personal expenses, we use my husbands personal American Express card. We hold other credit cards in each of our names, however his American Express is our preferred means of paying so that we can accumulate the rewards that come from using XXXX account. 

Due to a personal bankruptcy of mine 10 years ago, I have not been able to get a personal American Express in my own name. We are forced to put all our household expenses on my husbands account. This is a source of shame that I am unable to have my own card in my own name. I have tried personally to get this resolved. Other credit card companies have given me small credit lines which over time I was able to build up. American Express will give no such process or insight on how long this will go on. They say you can continue to apply but will not say if this is an indefinite amount of time or if there is some thresh hold I must meet. Since it has been over 10 years, I have great credit I wanted to know what process I needed to go through to have this decision reconsidered. 

I was told by the New Accounts and Decisions department that they can not give me any such information. They went on to say that i need to get a bankruptcy attorney to reach out to them to get an answer. After retaining a bankruptcy attorney and paying them a retainer to review the case, American Express replied with the same automated response that they retain the right to decline any application based on a bankruptcy with no further information, only now I am out {$650.00} for the attorney and the same lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.

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 2020-03-05
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: Information belongs to someone else

Complaint:
I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
BofA VISA CC # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with Office XXXX Badge # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' They are not providing me with any documentary evidence on how they have come to this conclusion. Based on what documents from the merchant, police, etc. have they been able to determine that this charge was authorized and not a fraud? 
I have NO authorized user on my account, and I have NOT provided permission to anyone to use this card or have NOT given anyone, my card to use. 
Please either provide me with documentary evidence used to reach this decision in your investigation, or reimburse me for the fraudulent charge. According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously a copy of the police report, as well as all the additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-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 explanation
Consumer complaint received 2017-06-07
Company: The Best Service Co.,Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On  XXXX   XXXX ,  XXXX  -  Best Service Company pla ced a derogatory on behalf on  XXXX   XXXX   XXXX   XXXX , my previous bank despite being placed into in the Chapter  XXXX  bankruptcy that was filed in  XXXX  and discharged in early  XXXX .  XXXX   XXXX   XXXX   XXXX  an d Best Service  has acted in bad faith by placing a regulatory mark after 18 months of bankruptcy filing.

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 2015-06-08
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every Day Im At Work Security Financial From XXXX Texas Calls About XXXX Times A Day For XXXX Of My Co-Workers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 year old 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 explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion displaying innacurrate employer on credit report. I do not work for 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 2020-03-05
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:
There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PLEASE refer to complaint # XXXX that has been closed but without any resolve!!!! I STILL can not login to Citibank to make a payment. Since I filed that complaint above in XXXX, my husband suddenly became ill, requiring emergency assistance ( ambulance ), 2 units of blood and a stay in the hospital all the end of XXXX and first of XXXX ). Citibank tried to call me while I was caring for him at the hospital and while the doctor had come in to update us of his status. I could NOT take the call. I tried to call them back but the recording said that number did not RECEIVE calls!! How convenient to further delay my payments! 

While he was in the hospital we learned that his mother had fallen through the cracks of medical care because of XXXX protocols -- they missed she had XXXX because they weren't doing her routine XXXX screenings!! She died just weeks later on XXXX/XXXX/XXXX. We were busy caring for her and helping her with her final arrangements. It was beyond heartbreaking! 

We get back from all of this only for our oldest daughter to come down with XXXX We are all fully vaccinated and was shocked this happened but now I'm caring for my granddaughter while her parents battle to get well. 

In the meantime Citibank has yet called two more times from the unreturnable phone number and always at the most inconvenient of times. They do not leave a message. Nothing. 

Add to all this that our oldest son was XXXX last year on XX/XX/XXXX. His XXXX XXXX trial was to start on XX/XX/XXXX. We were busy preparing for this trip right after we lost my mother in law only to learn ON the XXXX it had been postponed yet again. 

I AM STRESSED BEYOND MEASURE AND AM IN BAD HEALTH MY OWN SELF BEING FULLY XXXX!!!! I CAN NOT GET LOGGED INTO MAKE A PAYMENT BECAUSE I DO NOT HAVE A VALID CARD # BECAUSE THEY CLOSED THE ACCOUNT!!!! I DON'T EVEN GET A PAPER STATMENT NOW THAT ALL THIS HAS HAPPENED. 

IS THERE NOT SOMEONE WHO CAN HELP ME? PLEASE??????

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.

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 2017-06-07
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On   XXXX   XXXX   XXXX     I wrote a request for account validation  to Nemo 's Inves tigations And Collections. What they sent back on   XXXX   XXXX   XXXX     was not corresponding with Account validation. Please help me with this collection agency. The description of services is scratched in  black in k its unreadable. I do not want them to contact me or report false debt to the  XXXX  credit bureau 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-04-19
Company: United Credit Education Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello, my problem consists of having paid for services in advance which I come to learn violates the Credit repair Organization Act and then a monthly payment of {$89.00} dollars and during the time I was with them nothing was performed on my file. I had to go ahead and file myself today to do the work that while I was charged, was not performed. 
The company has my bank account and card number and I do not want them to take any more money from me. 

I was contacted by the company that could not charge me for another installment and curious as to no results I checked and saw that nothing was disputed or done on my behalf. I have numerous issues stemming from identity theft and was told I had to mail my license copy to the credit bureaus which I did. Nothing ever came of this. 

I know I was misled and abused and would like assistance by this agency to recover monies paid for work that was never done. The work done now was done today XX/XX/XXXX and can be verified by this agency as it sees fit. 

the company name is United Credit Education Services ( UCES ) XXXX. XXXX XXXX XXXX, MI XXXX and the number they have is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
Company: Shellpoint Partners, LLC
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:
On XXXX XXXX 2020, I applied for an extension on my mortagage loan with shell pointe website, I checked my credit a week ago and I find that shell pointe had sent negative information to credit bureau I contact the bank expecting an explanation like it was a mistake but instead they did nothing. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted several times by Caine & Weiner attempting to collect {$210.00} payment for the XXXX 2016 XXXX XXXX XXXX. I was told by the people calling from that office that the payment was to be paid in full and that was all that was said to me. I have explained to them during every call about the situation and that e that I had made several attempts requesting the last month to be cancelled of my auto insurance through them and had went to a different insurance company due to XXXX Agents failing to return my phone calls to them several times inquiring about my policy and ignoring then my cancellation requests. That 's very poor customer service and job performance. I still have yet to receive any information from Caine & Weiner about who they are, where they 're located, any information on how to dispute this claim. Also I have not received anything from XXXX XXXX XXXX, not a bill, not a phone call. The only reason I found out I was put in collections was from a notification from XXXX XXXX. I would like help on this matter if possible. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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 is missing that should be on the report

Complaint:
I've attempted to call several times but keep receiving an automated prompt that won't allow for human interaction. I've called because my credit score had taken a significant drop and I wanted to know the cause of this. It is my right to know, however nothing is displayed on the Experian website to explain the reason for this drop. I am also paying for a membership with Experian so that I can have access to this information and so I just want the service that I'm paying 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 2017-06-06
Company: Ad Astra Recovery Services Inc
State: TX
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 do not have a contract with Ad Astra Rec in the amount of {$1100.00}. I am not liable for collection of this debt from  AD Astra Rec. I  am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.

Company response to consumer: Closed with explanation