BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls and text messages from Central Portfolio Control Inc . I have asked them to stop calling me for a XXXX XXXX. However, they do not. It will go a couple of weeks then they will start again. I want them to stop sending me unauthorized text messages and phone calls. I am not XXXX XXXX. The guy wasn't a XXXX citizen and skipped town after he did a hit-and-run in XXXX. I have owned this number since XXXX and its constant XXXX calling me for this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: SC
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}

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 2022-09-28
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a discover I have a service called credit wise through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened a checking account and savings account with Discover Bank last XX/XX/XXXX since they have an offer that if you made a {$25000.00} deposit within 30 days they will give you {$200.00} bonus. We decided to transfer our savings account from XXXX XXXX XXXX to Discover since they also have a higher APY. Gradually, I have transferred my money to Discover and I already closed my XXXX XXXX XXXX savings account. 

I even moved my direct deposit payroll account to Discover Checking Account. 

My total money at Discover is about XXXX for the checking and XXXX for the savings account. 

All of a sudden today, XX/XX/XXXX. I received an email saying that both my checking and savings account at Discover is being closed. I called customer service and they only said that it was due to business decision and they will give my money back via check after 60 days. 

I tried to ask for a manager but they said no one was available. I transferred my savings to Discover since I wanted my money to earn more interest. I was a Discover Card member since XXXX and I am not sure why they would just close my checking and savings account just like that without any notice or someone calling me why they are doing that. 

That money is for my daughter 's college tuition fee which is I am going to use for her enrollment for this coming semester. 

The total money in question is about $ XXXX. I can't wait 60 days to get my money back. I can't access my account anymore since they already close it. 

Appreciate your help regarding this matter so I can get the money I deposited to Discover bank. 

Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for new credit card with Citi bank early XXXX with no interest charge for an year. I signed up for online banking and paid minimum due every month till year. After completion of one year I got an email saying that your free interest period is complete. I tried logging into online portal and I was not able to log in and website asked me to contact customer support, I called them and was on hold for long time as its covid period and resource problem. On XX/XX/XXXX I was able to reach Citi bank customer service logged into system and requested to removed few interest charges as its due Citi bank technical issue I was not able to pay the bills. No one responded properly and was not informative. I pointed out the problem with website too. I stopped my monthly payments as they are not responding. This impacted heavily on credit score and my car payments. 

Today they decreased my credit limit almost by 90 % and launched a new website design for online banking. 
I asked to a relief of $ XXXX for interest and pointed online banking problems. Instead of at least responding to my questions they decreased my credit score and credit limit.

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 2022-12-12
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: FREEDOM FINANCIAL NETWORK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In XXXX I retained Freedom Debt Relief to help me with my credit card balances since I new I was going to be laid off in the near future after contacting them. I had 4 CC bills I wanted to settle, They told me for a set rate they can negotiate my debts and eventually get my credit cleared up. They gave me a name to a litigation service that works with them for an additional {$XXXX} per month but told me it was rare for that to happen. Last summer XXXX I was sued by a creditor in which I had to involve the litigation firm, then they told me I had to raise my payment over $ 250/month. They told me I just didn't have enough funds to pay this. Now a year later I just received another Summons and i am being sued by another creditor listed with them, that they did not settle and told me it was a small one and they needed to wait til the creditor was ready to negotiate. So again they tell me I don't have enough in the account they have for me to pay this. 
I feel they have done nothing but scam me on this. Prior to obtaining them I researched them online and saw good reviews. Apparently I didn't research enough!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requested the Credit Agency to investigate the inaccuracies on my credit report and validate the information has been reported correctly. 

I have investigated this information and have found improper inaccuracies on my credit report after the Credit Agency did their research. 

I have found the following discrepancies and/or inaccuracies that are being reported on my Credit report, with XXXX XXXX Account XXXX XXXX listed below here are the discrepancies : XXXX ) Status > Days late 2 ) High Balance, 3 ) Date Reported 4 ) Count of Late Payments 5 ) Date Last In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
After filinfg an inital dispute because of a scam that took place concerning the Serve American Express card that I purchased, the company replied back saying they can not refund any money becasue the card is not registered. My complaint is, I have tried numerous times to register the card. Even the day of the scam, I tried to register the card, but I recieved the following message. " Oops! We, this is akward. Please try again later. '' a week later, I am recieveing the same message. " Oops! We, this is akward. Please try again later. '' The company will not refund my {$450.00} because I have not registered the card. However, when I try to register the card, the system is telling me there is a problem and try again later. I even called the number to speak to a representative. The repesentitive told me that she could put in the fraud request for me and asked me to go on line to XXXX and place the fraud there. Please resolve this. I think this company is a scan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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 explanation
Consumer complaint received 2021-11-20
Company: DMB Financial, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I set up credit counseling with DMB Financial. I sent over {$10000.00} and none of my accounts were settled. I canceled the program to pay the debt myself. XXXX of my accounts had only XXXX months paid on the account. The settle amount that DMB had was different then what my creditor had which means the account should have been paid off. I am trying to get into my DMB account but it is saying it can not find a user name. I can not even get into the account to show all the funds I sent. I even increased the amount of money monthly to get the account pad faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Google Compare Credit Cards Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX {$2500.00} was transferred from my bank to Google Pay to be used to buy a car. Google refuses to give me my money, Shortly after that transaction I closed my account with that online bank and opened another account with a different bank. Google keeps saying I have to reinstate my old bank account, but I cant its been closed.. I had the bank send me a letter stating this and I forwarded to google. They still insist that I re open the account. They also claim they can not verify who I am, thats a bunch of XXXX, I have sent them copies of my drivers lic along with my social security card several times and it has done no good.. How can a company this large just steal peoples money? I wont give up that is a lot of money to me and it caused me to loose another {$2000.00} I had put down as a down payment on a car. If you cant help me Ill be forced to hire an attorney and sue for 3 times the amount to cover my losses. 

Thank You PS : I send them a letter almost every week and i get the same answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I followed links from CFPB to Transunion to get a free copy of my credit report, which I now have. Somewhere in the process they signed me up for some sort of ongoing service and charged my credit card {$26.00}. I cancelled the resulting subscription as soon as I became aware that they took my money. 

I was not shown a price, they asked for the credit card info which I furnished, but was never told I was buying anything.

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 2022-01-14
Company: Investment Retrievers, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 Investment Receivers Inc claimed that I owe them {$10000.00}. I have no clue who they are but they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account with Wells Fargo. On XX/XX/2022 I received a call from what I thought was Wells Fargo stating I had fraudulent charges. Later realized this was a phishing call and they removed {$1000.00} from my account through an ATM @ a Wells Fargo branch an hour away. I called and filed a claim and also called the local Police Department and started a police report. Wells Fargo deposited the {$1000.00} into my account pending results from the claim. Today, they reversed the {$1000.00} and caused my account to go {$600.00} + negative. I called and they said they couldn't find any fraudulent activity. I requested they look again and was told very bluntly that their deicision wasa made, and if I did file a police report, wait on them to solve it and go to small claims court.

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