BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I would like to file a complaint against Experian Credit Bureau for discrimination and maliciously refusing to accept my dispute regarding discrepancy on my credit report. I spoke to their representative, XXXX with " Team Majestic '' within Experian Credit Bureau. During our conversation he basically refused to accept any of my disputes regarding outdated student loan accounts on my report. He basically instructed me to contact lenders for documentations to submit to Experian in order for them to accept my dispute. This is completely contrary to XXXX and XXXX whom both have delete all the accounts that I am requesting Experian to delete. I was successfully able to have my credit report with XXXX and XXXX corrected without no delay or unprofessional customer service. All my closed student loan accounts are beyond 7 years, as I have n't attended college since XXXX 2008 therefore they have been in default at least since the latter part of 2008. 

It has been several months with me trying to literally get someone on the phone from Experian to dispute accounts on my credit report. During multiple attempts via Internet I have been redirected to either an " XXXX '' number or a website that required payment for a credit monitory service in order to address any concerns regarding my credit. When I finally contacted someone at Experian who then forward me to XXXX with Team Majestic, my experience was utterly nothing like XXXX or XXXX. I am convinced that Experian is doing something illegal regarding consumer credit services. Furthermore I spoke to several of my associates who have had their credit report corrected by Experian and my situation is different based on my race and non-membership to a Credit Monitoring services. I was recently denied credit solely because of my credit report with Experian. They are destroying any credit opportunity for me because of their unethical service.

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 2017-10-12
Company: AMERICAN EXPRESS COMPANY
State: TN
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 a merchant billing dispute and was informed my dispute can not proceed for 11 transactions while indicial disputes for two transactions were decided in my favor. The merchant, XXXX, operates prediction markets at XXXX and the transactions are for deposits to an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. My AMEX card has a {$500.00} cash advance limit ( while my full credit line is {$7500.00} ) and if these transactions were processed as cash advances, it would not have been possible for me to deposit as much as I did. I have lost over {$83000.00} on this site through deposits on seven credit cards during a three month period, with over {$10000.00} on AMEX. During the month of XXXX XXXX alone, I have made over {$44000.00} in deposits. During the month of XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers. This does not seem right. I tried to work it out with the merchant to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 2020-06-16
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I understand that I have an installment loan with the company I have spoke with employees of the company to let them know whats going on but obviously they dont care. On XX/XX/2020 I was called by this company on my call phone in 1 day 12 times and every phone call was less than 2 minutes a part why? I feel like those are harassing calls and I want to file a complaint. Not only have they harassed me they have harassed a family member with giving me a third party not affiliated with the borrower account all her personal information called me at my place of employment to give a message to the other party Why? Im being harassed and they have violated me and Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX needs to update my scores.ive had credit for the past year now. my scores should be showing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit into my checking Account at USAA, after the deposit was made they placed a 3 day hold on my deposit and on the XXXX the fraud department released my funds and the account was back to normal. on Monday they froze my account again starting that the check is getting returned. how ever I spoke to the other bank and they advised me that check was cleared on the XXXX of XXXX. USAA is refusing to release my funds or to activate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$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 non-monetary relief
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Bank of America opened a credit card account in my name without my authorization, at the same time I opened a checking account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date 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 2015-10-21
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I have been forced to remain a customer of RushCard when on XXXX XXXX the company accepted XXXX separate deposits into an account with an expired debit card, an account that i had not used in over three years. Because the company gave me to other option i was forced to order a new card, because that would be the only way to access my money. I ordered a new card on XXXX XXXX and was charged {$4.00}. After waiting two weeks i contacted RushCard because I still had not received the card. After speaking with an agent i was told i could have the new card rushed to me within 1-2 business days. The Rep went through the process of updating my information and placed me on hold, and then hung up. I called back only to be hung up on XXXX more. Finally i was able to speak with another rep, whom i had to repeat my entire situation to, because apparently RushCard Reps do not make any notes on the account when they speak to a customer. So to my surprise this new Rep told me that i would have to pay {$30.00} for them to rush me a replacement card. I went back and forth with the Rep over this charge because i felt as though i should not have to pay for something that was not my fault. The Rep explained that she could send an email asking for the charges to be reversed, but she would have to charge the card in order for me to get the card in 1-2 business days. That was XXXX XXXX. It has now been 11 days, my account was charged XXXX for {$4.00} for a new card and XXXX for {$30.00} to expedite s shipping. And i still have not received my card. I have called everyday only to be hung up on every time I 'm on hold waiting to talk to a Rep. I 've also emailed the times, only to receive an automatic response saying i would be contacted within 12 hours, but I have yet to receive any form of response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
This complaint regards Chase 's adamant refusal to halt the recurring debits scam -- -- XXXX -- -- XXXX XXXX 2015 {$39.00}, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX XXXX ( XXXX ) concerted efforts -- -- XXXX ( XXXX ) in person -- -- beginning Monday, XXXX XXXX 2015, in order to halt XXXX recurring debits -- -- especially, to close that specific Chase Freedom card account -- -- NOTHING. Each occasion, I was informed by a Chase account manager that the recurring debits were halted, that Chase Bank would investigate the scam & that Chase would resolve this dispute. Lies.Subsequent to the closing of all Chase accounts & direct deposits, correspondence was received from Chase executive offices, back dated XXXX XXXX 2015 & XXXX XXXX 2015 -- -- addressed to my original address, one year ago.XX/XX/XXXX 2015 My requests to communicate with XXXX president brought XXXX XXXX -- -- XXXX ( XXXX ) telephone calls, regarding Chase debits beginning XXXX XXXX 2015 & no XXXX premium member card, prerequisite for dental services, despite several requests. 
XXXX XXXX 2015 ( a XXXX XXXX XXXX presented me with a bill for estimated dental services -- -- {$3200.00}. ( b ) {$850.00} for XXXX XXXX c XXXX a document for referral to a specialist ( d ) XXXX subsequent Employee 's XXXX XXXX XXXX XXXX XXXX, document. ( e ) The XXXX discounted list covered by premium membership was offhandedly tossed into the nearest wastebasket, paralyzing me with awe! 
XXXX XXXX 2015 I walked around the corner to Chase Bank in order to halt XXXX recurring debits -- -- scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted a dispute several times for XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : 1. I have never had cell phone service with XXXX XXXX. 

2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX is not an account in my name. This account belongs to XXXX XXXX XXXX. My name does not even appear on the bill.

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 2020-10-07
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible, nor liable, for the {$310.00} balance that XXXX XXXX   is reporting on my credit report with XXXX. THis debt is the result of a long-time dispute with XXXX, and their refusal to take responsibility for their own errors. The amount they are trying to collect is the result of XXXX fraudulently adding my brother to my policy without my permission or knowledge. I never gave permission to allow him to be added to my policy, and XXXX was culpable in the fraud. If XXXX can show proof that I ( personally ) accrued charges that were not paid, but I refuse to pay for charges that were fraudulently added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22

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