BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. Also they aren't even in compliance with metro 2 credit reporting. I have
evidence to prove my case

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 2022-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is attempting to collect an erroneous collection from me. I have disputed this every month from XX/XX/XXXX to XX/XX/XXXX between the company itself, XXXX XXXX XXXX XXXX XXXX. However, I have received computer-generated responses and have not had a thorough investigation regarding the dispute or a human manual review. 

The correct violations are as follows per the Fair Credit Reporting Act ( FCRA ) 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/permission. They have no permission to report ANYTHING using my info pursuant as outlined in section 4 18 U.S.C 8, I owe no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I called and spoke with a representative at AFNI to dispute the amount owed with XXXX which was two months of service. I have been a customer of XXXX/XXXX ( previous name ) for over 15 years and know firsthand that XXXX doesn't allow the customer to become two months behind in payment before disconnecting them. However, after another service failed to provide service at my address, I decided to pay the entire balance in the XXXX store since they are the only wifi/cable providers in my area. Additionally, I sent the receipt of the bill paid in full to AFNI but yet the collection remains on my account with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Myself and another mom collected money for a fundraiser for our youth hockey team using Venmo. All of the funds were ultimately transferred to me. When I moved the funds to my bank account to cut a check to our organization both my account and the other user 's were frozen and subsequently permanently terminated. Venmo will not tell me specifically what I did that violated their user agreement, or give me the opportunity to explain what transaction caused the problem. There are over 30 other teams within in our hockey organization that used venmo during this fundraising period and no one else has had problems with their accounts.

They have since stopped responding to my email requests, and when I call them directly I am told that I need to email my account specialist and there is nothing else that they can do for me. Their emails have been vague and only refer me to their user agreement which I have read in its entirety, but I still don't understand what I did was in violation. 

Direct text from their last email : We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. However, I'd recommend looking over our User Agreement for information on our policies surrounding acceptable use and high risk activity. You can find our User Agreement here : https : //venmo.com/legal/us-user-agreement/.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I telephoned ( XXXX ) Loan Deport, a mortgage company at approximately XXXX XXXX. I was asking about a refinance on my home. A lady answered and identified herself as XXXX. She further advised that this was a recorded line. I asked to not be recorded. XXXX replied that there was nothing she could and that I would be recorded. I explained that California was a two party consent state for recording via telephone. She again said there was nothing she could do. I asked if it was a requirement for me to give up my right to not be recorded in order to apply for a mortgage from Loan Depot. XXXX replied yes. This is clear discrimination. According to XXXX, if I dont consent to being recorded, I cant get a mortgage from Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing this regarding fraudulent activity in my checking 's account in the early morning of XX/XX/18 in total amount of {$3900.00}. Earlier that evening, I used my card at a restaurant in the amount of {$11.00}. During my time there, I misplaced/lost my debit card without my knowledge. I woke up in the middle of the night to a text message from Chase regarding a valid withdrawal of {$800.00}. I saw this text message approximately 35 minutes from when it was sent. I immediately replied that it was not a valid transaction. I then called Chase service right away to request a cancel/issue of a new card and to report the fraudulent activity that had taken place. While doing so, I checked my checking 's account to see a total of 5 transactions that totaled {$3900.00}. Two of them were at a Chase ATM for {$800.00} and {$200.00}. The other 3 transactions were at a Currency Exchange, which is all the way on the other side of XXXX on the XXXX XXXX and I live all the way on the XXXX XXXX, in the amounts of {$720.00}, {$970.00}, {$1200.00}. I am shocked that Chase let MULTIPLE withdrawals of these amounts go through without blocking any of them. I have never withdrawn money like that before, so I believe that it definitely should have raised a red flag. Since my original call, I called Chase three times that week to check up on the funds since it's a great deal of money. All three representatives that I talked to assured me that my claims were under review, and I should be receiving my funds shortly. Chase then credited my checking account and then reversed the transaction out right away within a day or two. I was shocked. I called to see what was going on and the fraud representative was very unhelpful, rude, and told me my claim had been denied. I am in disbelief as any logical human could see that I have never had activity on my card like this before. She stated that it was declined since it was in the same geographical location from my address. I then proceeded to ask what is the distance maximum that this rule pertains to and she stated 2.5 miles. That's very interesting to me as the first 2 Chase ATM withdrawals happened a few miles down from the last place I used the card for {$11.00} and the last 3 transactions at the Currency Exchange happened approximately 10.4 miles away from my address which I attached to this letter, as I live North and these transactions were made all the way on the XXXX XXXX of XXXX. I am asking for your help in the recovery of these funds as Chase Bank is being very unfair, illogical, and negligent in their investigation of the Fraud claims as I have NEVER had activity like this before on my card. Help will be greatly appreciated. Thank you very much for your time and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Fraud on my XXXX card. Funds were used but not by me. Money Network denied my fraud claim. Ive sent emails and made phone calls since XX/XX/2023. They didnt respond. On one phone call I was told Id been denied. I submitted a complaint to XXXX. No response. Im out {$350.00} and dont know any way to rectify this loss.

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 2023-05-18
Company: R.M. Galicia, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been reaching out to The company progressive management system collection agency via phone calls, the representatives refuse to provide me with the physical address and information requested on XX/XX/2023. 
This debt ( {$960.00} ) has been placed on my credit file is not mine.. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as Transunion ( still open dispute since XX/XX/XXXX ), and with XXXX. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.

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 2023-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX  I was charged $ {$74.00} in overdraft fees for " pending '' transactions without my account ever being truly overdrawn on the statement. When I asked to provide more information, they told me it is due to overnight processing and that they " predicted '' my account being in the negative. I called and asked to provide me details as to why and if they can reverse the fees since my account was never overdrawn. The call was escalated to a manager so I can make sure they understood my issue. XXXX ( manager ) was extremely rude, kept telling me that i was interrupting him when I was asking him to explain what happened. XXXX asked me to pull up an overdraft notice which had a different balance on it that what I would see online or through the mobile app. when I asked him how this is different, he said I was interrupting him, when I asked to speak to his manager he said no and hung up on me. I called again and they reversed one of the overdraft fees but not the other because they have a 1 fee max reversal policy. I feel like this is abusive practices when the account holder is not able avoid this fee. 

My ending balance on XX/XX/XXXX  was {$51.00}, XX/XX/XXXX  was {$11.00} and on XX/XX/XXXX  {$1200.00} so I am a little confused to why I would be charged overdraft fees when my account was never really overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2021 i learned of multiple synchrony bank accounts being opened in my name. 
the following accounts were not opened by me or my consent given for them to be open. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
on XX/XX/2021 a FTC id theft affidavit was filed report # XXXX please see attached document.

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 2018-12-11
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened in my name with XXXX XXXX that I did not do! Ive disputed this several Times with no luck. Now its in with a collection agency. I want this removed cause its not mine. Please help me XXXX XXXX XXXX {$4500.00} Dates from 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$70000.00} is on my credit report from the Adjustment Company in XXXX, WI. I paid some smaller healthcare bills to them before and believe they were also fraudulent. The current issue is for {$70000.00} from XXXX last XXXX. The actual bill is {$2600.00} after insurance. It should be noted some nefarious old acquaintances said they worked for this company back 2003, and would use it against me also. I believe all should be indicted under RICO. Furthermore this amount be corrected to the after insurance amount of {$2600.00}. Also, after first complaining I was then sent a barrage of other fraudulent harassing bills as well. I would like to report this as Fraud, Grand Larceny, and Identity Theft. I owe about $ XXXX in legitimate debts I will verify with an attorney and workout a payment plan once I return to work, hopefully very soon. 

Regards, XXXX XXXX XXXX XXXX mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage was purchased by a company called Freedom Mortgage last year. Im extremely concerned with how theyre conducting business as Ive had mortgages since XXXX  and Ive never had to work with a company this dishonest. 

My insurance has been escrowed for years and theres never been an issue with payment. Last year, freedom mortgage wasnt paying my insurance. I called them about the lack of payment ( they did not reach out to me ). They said they couldnt get in touch with XXXX and I needed to call them. XXXX had not heard from them. I then got a threatening letter from Freedom Mortgage stating I would need to be on their insurance and would pay a monthly fee ( I wanted to continue with XXXX, not forced onto Freedom mortgages insurance company ). After MULTIPLE emails and phone calls ( which took weeks of my time ) I was able to remove Freedom Mortgage from paying my insurance. This year, I have paid my insurance in full ( just last month ). Freedom mortgage is now stating I will be charged {$80.00} a month to be on their insurance. My home is fully covered. Ive emailed Freedom Mortgage twice and called 3x, the phone calls have went nowhere, I just get sent around in circles and put on hold for 15 mins. Only one of the emails has been answered that they need to research this issue. Im not sure what needs to be researched as I literally explained this to multiple workers there, last year. 

Again, I have paid my home insurance and refuse to be on theirs as that is stealing {$1000.00} from me. Please research this company- Im sure they are doing this to multiple innocent people that never even signed up to do business 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 2023-09-27
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I'm still waiting on the response from Wells Fargo legal department please see the attached documents.

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 2023-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation