BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent multiply request to validate the debt company will not send information in the 30 day period now i am being told 90 days, they will just remove from my report and research and never send correspondence bad company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is a continuation of Complaint XXXX against American Express. Today, XXXX XXXX, I received a letter from AmEx dated XXXX XXXX, 2015 as follows : " Thank you for your inquiry concerning the {$290.00} refund check that was issued for the credit balance on your account. We processed a stop payment and issued a new check. 
" You may now choose to received your future Account Communications from us by e-mail. To set up this convenient option now, please visit your Profile & Preferences at americanexpress.com/XXXX and go to the Communication Preference tab. 
" Thank you for your Card Membership. 
" Sincerely, " American Express customer care. Dispute Reference XXXX '' Of course, there was no check included. What is going on with this company? I 'm at my wits end. Any help you can be, please, please, please. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently went to Bank of America in XXXX Tx which i just recently moved to XXXX in XX/XX/XXXX and on XX/XX/XXXX to try an open up an account and the banker informed me that i could n't open up an account reason being is due to a situation back in XX/XX/XXXX which was some one tried to use my identity and address information and etc to get money out of the bank by depositing a bad check or something in that form and then withdraw the money from the account but i was living in Mississippi in XX/XX/XXXX which is my home state and where i was born and raised. I had no knowledge of this situation until the day i was informed by the banker on the XX/XX/XXXX and I really need to open up an account to deposit my money directly  from my job. They never gave me any contact information or help me with anything to see about this problem so I went to a different bank to get information about trying to contact someone about 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 explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

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 2017-05-21
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/XXXX, I contacted Gm and asked to skip 2 payments due to financial hardship. In XX/XX/XXXX, I contacted Customer Service to make my final payment and was advised that my account had been paid in full. On XX/XX/XXXX, I received a threatening letter from GM which, stated that a payment of {$2000.00} was due immediately. I contacted GM and asked why the automated system stated the account was full paid yet, I had a balance due notice in hand and was advised that in XX/XX/XXXX, I was granted 2 skips and the payments were added to the end of the loan. The balance owed was the interest that was due. I contacted Customer Service who advised that I needed to sign a new contract immediately or, Collections would repossess my car, I did not remember being granted the skips and requested an account transcript, GM refused. I asked to speak to a Manager to request a breakdown of the charges and the computation of the interest. They refused. I contacted the automatic system today which stated that my account has no balance due. General Motors violated my rights because they billed me for interest on the skipped payments for more than six years without first issuing an account statement to advise me of the interest due until after the loan was full paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying information.

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 2020-10-04
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is part of a class action lawsuit and loan forgiveness, suppose to remove from credit profile for subprime lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported

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 2016-03-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
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: Their investigation did not fix an error on your report

Complaint:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
We booked a hotel with XXXX on XX/XX/XXXX for {$290.00} paid by Visa ( Capital One ). 
The cancellation policy from XXXX stated a full refund if cancelled by XXXX XXXX. 

On XX/XX/XXXX we cancelled the booking with XXXX due to the Covid-19 pandemic. 

XXXX sent a generic email that we have to talk to the Hotel and that they can not refund the money. The phone line of XXXX was disconnected. An internet search showed that XXXX was in bankruptcy proceedings. Any further attempts to reach XXXX were unsucessful. 

When we contacted the Hotel, the booking agent told us that this reservation had already been cancelled by XXXX on XX/XX/XXXX. We were never notified by XXXX. The hotel had never paid for the booking. 

Capital One initially refunded us the {$290.00} to then charge us again for {$290.00} stating a lack of documentation. 
We have attached written documentation of every fact stated above. Capital One has all the documents as well. We had many phone calls with Capital One where we were quoted conflicting requirements, At each step we fulfilled the requested requirement and are now told that we are past the deadline of an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-04
Company: Chime Financial Inc
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an unsolicited Debit card in the mail this week from Chime bank ( XXXX XXXX XXXX ). The card was ready to use with name, number, chip etc. so goes beyond typical " mock '' cards used in advertising. Only instructions were to download the app to activate the card. 
If this is an advertising effort I am highly concerned with their approach and with no additional details about the account I believe this marketing is counter to appropriate banking/lending marketing laws. 
I am highly concerned as I am unsure if this is marketing or identity theft and an account was opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent in a complaint yesterday to National Credit Adjusters to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want National Credit Adjustors to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Choice Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Choice recovery has added a collections in the amount of {$120.00} saying i owe that money. i do not owe this company anything nor do i even know who they are. they are trying to collect a debt not mine. it is damaging my credit score for absolutely no reason and I'm in the process of getting a home and a mortgage and this is hurting my chances substantially. this is rediculous.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I RECEIVED SOME FUNDS IN MY ACCOUNT AND THEY SAID IT DOES NOT ALIGN WITH THEIR TERMS AND CONDITIONS AND THEY CLOSED MY ACCOUNT AND HAS STILL NOT SENT ME MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2017-05-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}

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 2020-10-04
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, I am a veteran and all my medical expenses are paid by the XXXX. A couple months ago, I noticed on XXXX XXXX there was a bill reported for not paying for XXXX dollars. When I called them I told them the XXXX was responsible for. Bills and they informed me that it was too late and that I had to pay this Bill. I paid it off on XX/XX/2020. But it still showing on my record. I contacted the collection agency and they told me that they already removed it/ reported it and they can not do more than that. 
Who should I contact to get this removed, I have the receipt stating that I paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My credit score was dropped almost XXXX points from XXXX to XXXX because I paid off and closed credit cards. Both Transunion and XXXX  both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.

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