BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter out XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank req verification of debt. Howerever its been more than 30 days and the creditors failed to send my investigation back.This is not making any sense. 

According to the law Act 15 USC 1692g I have the right to request validation of debt and creditors have up to 15-30days to respond.

I have yet to receive any documents in the mail VERIFYING debt they claim I owe, bearing signatures of contract nor how or who they are getting their information from.

By Law if no verifications proving I owe any debt has not been verified or sent to me by mail within the 15 day time frame accounts were demanded to be deleted due to them not proving the debt owe, bearing signature or how this information was received. 

These companies have violated my rights per FCRA.

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 2023-07-01
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I revoked authorization to my ach and debt card and received confirmation from moneylion there will be no further transactions against such account. The confirmation was on XX/XX/23. However, today XX/XX/23, I was charged {$920.00} by MoneyLion to the account they were no longer authorized to debt and confirmed they would no longer debit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hi there, Ive bought a XXXX XXXX XXXXrom XXXX XXXX XXXX in XXXX XXXX, CA. 
At the time of the purchase the sales person told me that I had to purchase a digital license plate and a protection coat from the car paint which they added to this car ( not true ) If I didnt comply with such a demand I would get a higher interest rate ( they gave me 9 % ) and would be more without adding those 2 extras services to the loan.

Im very frustrated because I got ripped off so badly by this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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 2020-07-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have contacted Pentagon Federal Credit Union three times to get the claim initiated on my vehicle loans that have protection for debt repayment in the event of illness or injury. When I contacted Pentagon they advised that I will have it provided to me within two business days from a company named XXXX. 

As of XX/XX/2020 I have not received the forms to complete and the claim number. This is required in order to initiate the claim. The company has collected on the injury accident plan from the day I received the loan. 

I am now in urgent need to get this started as this bill should be paid for by the insurance I took out in the event of need. I'm in that position and can get the supporting documentation to the credit union or XXXX  however they prefer to proceed.

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 2023-07-01
Company: Affirm Holdings, Inc
State: MD
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:
account is inaccurate In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: NJ
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:
The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : 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 2023-07-01
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ccs collections Progressive insurance Company has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: LA
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:
They are reporting a XXXX XXXX XXXX on my credit report. I have already contacted the Bankruptcy court to ask if they provided this information to them. They sent me a letter advising they never provided this information to them. I have sent several requests requesting that they remove this information but they refuse to 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 explanation
Consumer complaint received 2022-06-20
Company: Io, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Receivables Management Systems. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt. While doing my research I realize XXXX XXXX took over XXXX XXXX. When I joined XXXX XXXX in XXXX, it was a month to month deal with no contract. I canceled that deal in XX/XX/XXXX in person and in writing, I filled out some form & gave it to the receptionist/front person at the gym and I requested cancellation of my monthly withdrawals, she said I was good to go. Then after I cancelled in XX/XX/XXXX, I kept receiving emails asking me to join again, with discounted pricing ( emails attached ). In XX/XX/XXXX, I received an email from XXXX XXXX announcing XXXX XXXX was taking over, and I did not think anything of it, I thought it was another email to get to re-join. Then all communication stopped ; I received XXXX emails or communication from XXXX XXXX or now XXXX XXXX regarding any membership or anything due for the whole year of XXXX, until XX/XX/XXXX, which is when this collection debt was added to my credit report which I have disputed but Blink Fitness refuses to remove. I have contacted the debt collector, Aldous & Associates, several times via phone and/or email with no resolution. I demand this be removed from my credit report and I demand Aldous & Associates to stop any and all communication with me regarding this debt. I DO NOT OWE IT. Today, XX/XX/XXXX, I called Aldous & Associates & requested validation of this debt, I was not provided such proof. I offered my email and physical address for proof to be sent to me. Person answering the phones said she was not able to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/ I went inside the TD bank located on XXXX, NJ to withdraw {$9000.00}. The bank teller asked the manager to get the key for the vault as he ( teller ) only have {$2000.00} in his till and will need {$7000.00} from the vault to complete the transaction. The manager told me that she can't open the vault and I have to take what they have in the till and go to another Td to get the additional {$7000.00}. I asked for the money and told her repeatedly that I have an emergency and needed the money without avail. I left the bank really dissatisfied/disappointed. I called TD customer service and they couldn't understand why I was denied my money. I called the customer service again layer that night and asked for an ATM withdrawal increase that was only good for 24hrs. I don't know what else to do so that my money can be available to me. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I want to file a formal complaint against Sallie Mae/Navient. When I completed college in 1999, they recommended I consolidate my loans with my husbands loans. They stated it would be better for us. All it did was lock us in at a high interest rate and they would not allow us to refinance or switch to another borrower with a lower rates, I tried several times over the past 15 years. They also recommended we defer our payments in the beginning, tacking on a ton of interest and fees to our loans. They also put all of our loans in my husbands name, not mine. I am a public employee in law enforcement for 15 years and I am eligible for a payback program but they never would allow me to enroll for the payback program due to them putting all my loans in my husbands name. Most of the loans are mine not my husbands. I have contacted them multiple times over the past 15 years and have received no help. The last contact was a few months ago and they said they would get back with me and never did. I have been paying almost {$500.00} a month on my loans for at least 17 years and my balance has barely gone down. I would like someone to investigate them. I am making the payments they say and my balance barely goes down. Where is my money going?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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 information incorrect

Complaint:
I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, Equifax, XXXX XXXX, XXXX. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
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  In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason. 

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.

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 2023-07-01
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/23, I received automated Chime email welcoming me to Chime and thanking me for opening checking account. I assumed it was phishing, so I didn't open from an previous experience. Several weeks later, I received a debit card in the mail which then alerted me to call Chime on XXXXXXXX. I asked the Chime rep several times to provide details and they would NOT, and would not let me speak to anyone about " how it was opened, what all accounts were opened, if credit bureau was pulled, etc. '' They provided nothing but an email stating I requested to close the account. NOT THAT IT WAS FRAUD. I received another email from Chime XX/XX/23, stating that a deposit was returned from Ohio Dept of Job & Family Services ( ODJFS ). I contacted ODJFS immediately same day to notify them of identity theft/fraud and they notated the fraud and closed the open claim. 
I have all contacted bureau to place freeze/fraud alert on all bureaus and contacted social security department ( they wouldn't place alert on my SS # unless via appt and in person ). 
Today, XX/XX/23, I received a Credit Card from Chime in mail! Called Chime this morning again to report more fraud and ask why they did not share that this account was open when I called last time and once again would not provide any details ( I.e. was credit pulled, was it used, etc. ) and only sent an email of my request to close... .NOT THAT IT WAS FRAUD. 
Chime treats the victim like the fraudster and needs to improve their account opening and ID verification process immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing is reporting account on my credit that isnt mines. I have asked them to Vaildated account with my signture but failed to provide me with anything. This not my account.

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 2021-10-10
Company: WELLS FARGO & COMPANY
State: IL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to items on my credit report. It's been well over 30 days and I haven't received any investigation results..

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 2023-07-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the mail from Chase Bank saying here was my new XXXX card. I immediately called the bank because I never ever had a chase account. The branch in question is closed down. I checked the mailing. So I now in my email from XXXX it saids that I now have a XXXX  card application. That's not me. I also put a freeze on my account. This maybe a chase employee or just someone hacking information. We have no chase branches in XXXX

Company response to consumer: Closed with non-monetary relief