BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: DApps Platform, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
The trust wallet are not helping me to unstack my XXXX, or transfer my coin to another wallet. I pay {$150.00} totheir chosen bank and to pay fees, but threy blocked it, and putting other road block to close my account! Their bank, XXXX, doesnt return my messages. Just say your verification is rejected and dont return any of my messages. 
Trust Wallet 's main reason for blocking me for any action is that I dont have enough money to pay for my fees! I am doing what ever they through at me, but they come up with another roadblock! 
I asked them, why cant you unstack my XXXX then take your fees or let me transfer my ETH, after you take your fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: TX
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 went to check on my credit card balance one day the end of XXXX and realized there were two charges I did not recognize. One was under {$200.00} ( can not remember the exact amount ) and from a XXXX or XXXX ( can not remember the exact store either ) The second charge was {$1700.00} from a XXXX XXXX. I have never shopped at a XXXX XXXX and I have proof of that by not even being a XXXX XXXX member or ever having made a purchase from them, which one can see by looking at my credit card purchasing history and debit card history. The charges were made XX/XX/23. I called Wells Fargo immediately and made a fraud claim. I spoke to a few different people and the smaller charge was taken care of immediately and I have not seen that on my statement since. The larger charge was taken off as well but then applied to my account again on XX/XX/23 and I was told it was found to be valid. I called Wells Fargo again after I realized what happened ( was not informed that the charge was found valid ) and asked to open another fraud claim. I requested to speak to a fraud investigator but was declined and told I would get a letter with action steps. I received the letter and was informed I could go into a Wells Fargo location to speak with someone. While the person I spoke with was kind, he was no help whatsoever. I found out again that the second fraud claim I made was again not in my favor by a letter dated XX/XX/XXXX. I did not receive the letter till this week. The card that is in question was an upgrade of one I have. I never received this card. It has never been in my possession. I did not request this card nor do I want it. I have had a credit card with Wells Fargo for 9-10 years ( can not remember exactly ) and now use it exclusively for the last year or so for XXXX purchases , my XXXX XXXX on my phone, and it used to have my gyms reoccurring payment as well ( no longer. ) I am extremely frustrated and feel like Im not being heard. No one at Wells Fargo wants to hear why this charge is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: AmeriCollect
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Americollect has unlawfully furnished medical debt against the FCRA and is using harassing, oppressive and coercive methods to collect on a debt that I do not owe or own. Americollect does not have such licensure to collect debt in Tennessee. Americollect is in complete violation of HIPAA. Please see attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information. 
After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX  equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Atlanticus Services Corporation
State: FL
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:
XX/XX/ noticed fraudulent charges on my brand new credit card from Aspire. I immediately commenced an online chat, explained which charges and request my card to be cancelled and a new one to be issued. The online chat acknowledged ( I have screenshots of same ) and issued new card. Online chat advised for me to contact the fraud department at XXXX. I immediately started to try and call. I have all records of the two dozen calls I have made and was instructed to leave a voicemail and never received a call back. I finally connected to a representative who then emailed me a fraud form to complete. I completed/complied and emailed it back immediately on XXXX I received a subsuqent email again asking me to call the fraud department. I have called several times a day, to no avail. I sent a certified letter to them on XX/XX/ which was received by Aspire on XX/XX/. To date, the charges are remaining on my NEW account with no return calls or emails or a provisional credit issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I contact TransUnion so many times since XXXX disputing hard inquiry witch are not unauthorized. I have send writing dispute. TransUnion never send me no documentation. I called transUnion and told me to send documentation like FTC I did what they told me and they never did anything all the time I called and said they will put my case hire up for someone to call me and no one does and never gets resolved keep mention to send them report when they could see the one I send. Please removed the hard inquiry unauthorized.

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 2019-04-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I borrowed {$300.00} from CheckSmart in late XX/XX/2019. I made a payment of {$100.00} om XX/XX/2019. I receive a monthly pension. When I went to pay off the balance, I was informed I still owed {$310.00} to get rid of the loan. The other option they were trying to get me to agree with, was to sign a contract to pay {$57.00} for 12 months. Then at the end of 12 months pay {$370.00} in one lump payment. Facing further entrapment if I failed to pay off the loan in full, I chose to sacrifice, and get it over with. I thought the new guidelines were written to help consumers get out of the payday advance trap by making sure payments went toward the actual balance. Instead, Checksmart is  defiant, and making matters worse for consumers. It's an insult, the way they take advantage of people who aren't good at math or don't have the option of paying the whole balance then and there. Wasn't the new rules supposed to start in XX/XX/2019? It seems like part of the {$100.00} I paid at the beginning of XXXX, should have gone toward the balance since the new regulations were supposed to have gone into effect then, or do I have it wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
Last XXXX of XXXX I received a bill from progressive Stating That my remaining policy balance was {$530.00} My Monthly payment of {$58.00} My renewal was in XX/XX/XXXX my Monthly balance due is {$58.00} Policy Number # XXXX. 

I called XXXX XXXX because they hit my checking account on XX/XX/XXXX, for {$460.00} for XX/XX/XXXX, {$460.00}, and XX/XX/XXXX for XXXX. I called XXXX and asked them why they hit my account and I was not going to renew the policy because the new policy hike in price was not affordable. My last premium payment total was {$530.00} and since they took too much in XXXX I only had to pay the balance of {$420.00} that would have carried me to the end of the policy since my policy remaining balance was {$530.00} so I paid it and switched to XXXX XXXX. I called XXXX  in XXXX and told them I switch policy and why were they still billing me they said to send in my new policy for XXXX XXXX so I did. then they sold it to a third-party CAINE & WEINER XXXX XXXX XXXX XXXX, CA XXXX Sent out a letter asking them to verify my debt they did not. So I called XXXX  they claimed I owed nothing to them Now today XX/XX/XXXX I called and now they are telling me that my bill was {$2000.00} which was my XXXX renewal bill, not my current bill from XX/XX/XXXX till XX/XX/XXXX The lady told me that she does not see the bill I sent into her to prove I closed the account by paying the remaining premium off she said they billed me in XX/XX/XXXX and XX/XX/XXXX even though I had a new policy with XXXX XXXX She also said they only received one snapshot back I returned all of them at the same time they provided boxes but no tracking number for the devices I mailed them back it is not my fault they got lost in the mail. I also brought her to her attention that if my policy was over {$2000.00} In XXXX then why was my monthly premium only {$58.00} I asked her to explain that because I am confused. I also explained that it also odd that after talking to several agents each of them telling me I owe nothing now when I started calling XXXX to get this removed from my credit report there is now a whole back story extra billing and all kinds of changes to my policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of XXXX accounts that are fruadulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I repeatedly get calls from this company, which uses several numbers, and I have repeatedly informed them that nobody by the name they are looking for is associated with my number. They still keep calling. Last call was at XXXX this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing now in wish to gain your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

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 2020-10-01
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with them and was paying it back with automatic withdrawals, my hours were reduced due to the pandemic which i advised them of in writing. I NEVER received a copy of the original loan agreement even though I called several times asking for a copy of it. Now I received notification from my HR department my account was sent for wage garnishment in the amount of {$1900.00} which the last statement I received states a balance of {$1300.00}. The garnishment or the collection attempts were not filed in court. and I was never given the opportunity to dispute the garnishment or settle the debt accordingly. I never received any documentation from the collection company at all! When I call the collection agency all they keep telling me is to refer to the signed loan agreement which I do not have! and they will not even allow me to dispute or settle the debt with a payment plan. They are demanding the entire {$1900.00} in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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: Public record information inaccurate

Complaint:
The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit. Experian keep saying that they got the information from a third party which is unlawful by FCRA LAWS, their answer has been always the same.

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 2021-02-21
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicer paid my property taxes late. Taxes were due on XX/XX/2020 in the amount of {$17000.00}, but the servicer paid the taxes on XX/XX/2020 with late fees and loss of discount in the amount of {$17000.00}. I contend that the servicer is responsible for the {$610.00} discount loss and fees. 

The servicing of my loan transferred to the new servicer Fay Servicing on XX/XX/2020. I realized on XX/XX/2020 that they had not paid the due taxes on time and contacted them that the taxes were late. 

My requests for credit of {$610.00} are being dismissed by their representatives. I call them, wait for hours on hold, get a representative in a different country who can't help me, then wait on hold longer until I get a US representative who tells me Fay Servicing isn't responsible to reimburse me that difference. US representative " XXXX '' reviewed on XX/XX/2020 reference number XXXX. This seems to be a clear violation of " timely payments '' in RESPA. 
XXXX XXXX

Company response to consumer: Closed with explanation