BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Imperial Recovery Consultants, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IRC Services have contacted my elderly parents in regards to me many times by telephone. This is a violation and we would like for this communication to stop asap. We both have communicated this with them. 
They are harassing my sick elderly parents by constantly calling their home and cell phones. I am a grown adult and my parents called me in a panic thinking I was in legal trouble stating that I needed to call this number asap ( XXXX ). They stated to my parents that they were a legal firm in my county and wanted to speak about a pending case. When my dad began asking questions the representative was very rude unprofessional and hung up in his face. So I called back. 
When I called I spoke to a different representative with the same result. She hung up right in my face. With a nasty attitude I was told that there was a pending case against me in district court and she wanted to clear it up. Then she stated somethings about an old cash advance. I said first things first, you are clearly a collection agency and you need to stop harassing me and my parents. She then stated that I should be happy because that was just a courtesy call because I am about to get sued. No mam you all are about to get sued!!! I know my rights and the law and I hope these calls are recorded for MY proof. She stated that they sent letters to my home address and I didn't respond so that is why they contacted my dad even calling his personal cell phone. She knew my email address along with my home address so I'm confused as to why they kept contacting my parents phones stresessing them out. These tactics they are trying to use are unaccepable and I hope something is done about this. See you in court IRC!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Credit Systems International, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I was billed {$1100.00} in 24 transactions in a matter of 2 1/2 hours of being in the air while flying XXXX XXXX on my business account I have since taken all my money out of the state and its been 3 1/2 months of fighting them for fraud and Im already proved it was all unsolicited and its taking so long to get my money back but I think now theyre fraudulent holding my money from me. 
So on XX/XX/XXXX I was in the middle of flying to XXXX XXXX with my business account thank XXXX I took all the money out of the savings account was hit by XXXX for the amount of over XXXX dollars.

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 2023-09-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
It all started in XXXX last year when I met a guy online who introduced himself as XXXX XXXX. He said he was a XXXX XXXX fighting in XXXX. We kept in touch for a few weeks before embarking on a long-distance relationship. I was madly in love with him. I trusted him, and he took advantage of that by asking for a loan. When it took off, I realized he was a con artist. Money was transferred from XXXX to the scammer in the total amount of XXXX AUD utilizing your services. Money was transferred through XXXX in the total amount of XXXX AUD utilizing XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: KY
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 discovered that the account on my credit report was incorrect when I reviewed it. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and fixed XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I was offered a XXXX based forbearance and then later loan modification by my my mortgage servicer XXXX XXXX XXXX 

During the trial period XXXX XXXX sold/transferred my loan to Shellpoint Mortgage LLC . Shellpoint Mortgage LLC. 

Shellpoint Morgage LLC. accepted my trial loan payments and I was able to get a loan modification. 

During this time I made all of my loan payments on time and even XXXX months in advance of when they were due per Shellpoint Mortgage LLC monthly statements. 

Part of the promise made by XXXX XXXX was that once the trial period ends and provided that the loan payments are all made in a timely manner no negative credit reporting would be made to the credit bureaus and any negative reporting would be removed. 

After the trial period was completed and loan modification was entered into on a permanent basis. Shellpoint Mortgage LLC went ahead and provided false negative information to the credit bureaus. 

When I asked them to remove this information they told me they would not even though this is in violation of my agreement. To this day they refuse to correct this information even though they can not proffer any information regarding any delinquencies on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 believe that the information is inaccurate.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being inaccurate

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 2023-04-28
Company: Payfare International Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was using my paycard to get a XXXX subscription and it wouldn't process the payment and when they seen activity on the account with my XXXX XXXX  prepaid card they suspended my card for suspicious activity when it was me the entire time and now I can not use my card and now I been calling for the last two days stranded without access to my funds and every time they keep doing the same thing over and over telling me they have to submit another ticket to solve the problem and nothing happens and keeps saying and doing the same thing over and over with no way to contact the bank to even get the account unlocked they keep spinning me into the same unresolved issue and nothing is being done I'm tired of this back and fourth with nothing and no real customer support to resolve the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 2023-04-28
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have an Apple credit card. Apple uses Goldman sachs as a bank. I opened another credit card with XXXX  to do a 0 % interest balance transfer from my Apple card to XXXX. 

I submitted the balance transfer and in about 3 business days the {$3000.00} showed up on my account in XXXX  credit card, but my Apple card balance remained the same. I waited an additional 7 business days and the {$3000.00} that i transferred was still showing up on my Apple card and now on my XXXX card. Now it is showing that I am carrying an additional {$3000.00} + the {$150.00} fee i was charged by XXXX  to make the transfer. 

I called the apple credit card support line and talked to a goldman sachs representative and he told me that at this time Goldman sachs doesn't support balance transfers. But how was the balance transfer able to show up on my new credit card. Goldman sachs should have declined that Balance transfer in their system if they do not support balance transfers. It is criminal to put this burden onto the consumer where it now looks like i've taken an addition {$3000.00} in high interest credit card debt, which impacts my credit score and ability to make future financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Maury Cobb, Attorney at Law, LLC
State: OR
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:
XXXX account open to use XXXX XXXX car connector. 

Service/device did not work as advertised. I tried calling XXXX directly, but could not make contact due to long wait times. Went into store, and was informed I needed new device. I paid for new device but it never came. 


I refused to pay bill for device and service I did not receive. XXXX sent me to a credit collections service that goes by Maury Cobb Attorney at law. They have been notified I am disputing this with XXXX, but have continued to collect and have negatively reflected this on my credit report. 

XX/XX/18 I called XXXX XXXX to inform them the reporting was inaccurate and I would be contacting the CFPB and BBB if they did not attempt to work with me. I was asked to pay even after making them aware of the dispute/fraud, which is violation of FCRA. When I stated I wanted this removed from my credit, the collector implied it would be if I paid it. This is also a UDAP violation, because paying of the debt does not remove reporting. 

Lastly, overall they have committed TCPA violations through FDCPA. They have repeatedly called my cell phone over the last several months even after being notified I do not want to receive phone calls on my cell phone. 

XXXX / XXXX XXXX XXXX XXXX Last contact XX/XX/18

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting 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:
applied for credit at XXXX XXXX and they ran my credit through the data base multiple times without my consent.

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 2023-09-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This auto dealership ( XXXX XXXX ) in XXXX XXXX, Florida, took {$1000.00} for a down payment for a used auto, but auto was delivered dirty and with tobacco smoke in it. That was 1 criteria of looking at the auto that it have NO Tobacco Smokes ( since I have allergies to tobacco smokes, mold, pet stinks as well as food allergies ). The auto was delivered 3 to 4 hours later than it should have been, it was dirty, had tobacco smokes in it. Then the dealership claimed they could not get another auto door lock for it since the one that they wanted to give me was broke, but said /I could still unlock it by the key. I waited for a while and then realized this company must have crooks working for them ( XXXX ) was the sales person, who claim to sell the auto. I took the auto back to the dealer and parked it on their lot for such Bad Business Practices and them not fixing the auto door lock as they said they would. I owe this dealership nothing, they tried to sell me an auto that was so heavy with tobacco smokes you could smell it very much upon opening the door, BAD BUSINESS PRACTICES. This was filed with the Missouri Attorney General as well as the XXXX. XXXX the personnel of XXXX was very RUDE in trying to converse with this issue in emails.

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A credit card was closed and we received the final bill in the mail which we paid electronically on XX/XX/XXXX. We paid exactly what was on the bill. Over sixty days later they claimed we owed them XXXX cents and billed us an additional fee 's and interest of a substantial amount. They also closed this card without any written notice either electronic or physical. They claimed they could do this without cause. Previously we never missed a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022 I was contacted by XXXX XXXX with XXXX XXXX XXXX from a phone number in California. He shared that I was going to be sued and my employer would be contacted to verify my wages and I would have my wages garnished and could lose my job if my employer found out. He also stated that the attorney would be serving me documents to appear in court and as I was defrauding the bank. I advised that I had not received any communication in the mail and he said that they had several addresses on file for me and that may be why. He continued to threaten me with taking legal action against me, contacting my employer, garnishing my wages, and taking me to court, and that I would be served by a sherif or legal authorities. This is the first time I am contacted by this representative and again advised that I did not receive any information on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 Fifth Third Bank allowed XXXX fraudulently generated XXXX  to be cleared through my small business account. I immediately notified the branch of the XXXX showing up as cleared missing payee information and signatures. The branch XXXX claimed to have completed paperwork for investigation however XXXX weeks later I was informed that the request was improperly completed and never received. The branch XXXX has been repeatedly contacted and the funds remain unreimbursed.

Company response to consumer: Closed with explanation