BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The incident began at XX/XX/XXXX. I received a text message from Chase, Fraud alarm Did you withdrawal {$3000.00} on XX/XX/XXXX? I immediately replied " No '', I checked my account from Chase app, the money was cashed so I went to Branch to file claim and close account. While I was sitting in branch with ID and debit card with me, there were still several withdrawals from different ATM near me. I was confused and even the bank stuff felt confused. All activities were denied after that, but the first {$3000.00} has no information and updated. I called consumer service so many times. They delayed the {$3000.00} check that suppose to send me and after XX/XX/XXXX, they said it was over three months, the case was closed. If I want to reopen the case, I need to go to police station and file the case, but police officers need affidavit form from Bank, but Bank didn't help a lot. I have to XXXX affidavit form from paid website. Now, I already went to branch for 3 times, police station 2 times. Still haven't file the case and reopen my case. I just felt so exhausted. I don't know how to protect my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Genesis FS Card Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, I am requesting for assistance with Genisis FS Card Services Unwillingness to Provide assistance with my current hardship. I have asked for a modified payment arrangement with no response after previos phone calls. I have been facing financial hardship recently due to income reduction, which has made it difficult for me to keep up with my credit card payments. 

In light of my situation, I took the initiative to contact them in the hope of reaching a reasonable payment arrangement with a reduced interest rate. The current interest rate my lender is charging me is obscene! I am willing to work with them for a reasonable payment arrangement to clear my outstanding balance. However, I regret to inform you that despite my efforts, I have not received any viable solutions from my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Williams & Fudge, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had communicated to XXXX XXXX representative XXXX XXXX XXXX XX/XX/XXXX, on reducing and reinstating payments for a balance of {$10000.00}, due to the fact that normal debt repayments were difficult due to the effects of COVID-19. Also, I pointed out that the amount that they originally assessed to me had a great deal of late fees posted after dispersal of my XXXX loans, which were supposed to cover the full balance of the debt in the first place. 

On XXXX XXXX, XXXX, I received a call from Williams and Fudge ( W & F ), regarding an alleged debt of {$12000.00}, on behalf of XXXXXXXX XXXX When I called XXXX about the original balance of {$10000.00} and why it was increased or sent to a debt collector when I was in good standing with them on that same date, I only received evasive answers, with the representive XXXX XXXX stating that the office mailed over notices to an old address in XXXX. However, they have not provided copies of the letters that they sent, nor did they confirm that I received them, even though I was in active email communication with their office for several years now. I only became aware of any delinquency when I received a call from the debt collector, W & F. 

In my own letters to XXXX and W+F dated XXXX XXXX and XXXX XXXX, I requested that I get my original payment plan with XXXX to be reinstated, due to the ongoing effects of COVID-19 slowdown and due to the fact that they have a documented case where they have offered a reinstatement to a XXXX in a very similar situation ( re : Tiene v. Drexel, 2020 ). W+F only provided incomplete verification on XXXX XXXX, with no explanation for the increase and without the full contact information of the XXXX representative, XXXX XXXX, that was supposedly supervising the debt collection. 

Additionally, I requested that W & F not contact me until I received full verification of the representative at XXXX and the reason for the change in the bill amount, but that request was repeatedly violated. 

After sending a second notification asking for this information from XXXX and W & F, I reached out to a class action site ( XXXX ) for additional information and support regarding payment issues with other students in their database. Their site does not guarantee representation or even direct contact, but claimed they possessed additional information about similar cases. I did not promise confidentiality with XXXX, in any case or during any communication. 

One day after I submitted this query to XXXX XXXX XXXX  ( XXXX XXXX ), I received another call from W+F about the amount they claim is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair credit Act. The list of accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .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 or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: FinCo Services Inc DBA Current
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I purchased and exam using my debit card. Well that exam was canceled and merchant stated they sent refund. Well refund never posted. On XX/XX/21 I filed a dispute with the bank. I sent them the email from merchant regarding refund. I was told by bank that it can take 10-45 days for dispute claims. Well ten business days has passed and still no credit to my account. I have sent several emails to the disputes department regarding claim with no response. I have also communicated with customer service who stated they will send follow up email to disputes department for an update and still nothing. I spoke with 12 people to try and get this resolved. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have checked my Credit Report and I saw 1 account in collection with Aldous & Associates , PLLC regarding XXXX XXXX. I went to the gym around in XX/XX/XXXX to cancel the service and paid off all the balance I was owing. One year later I discovered the were taking money from my account without my knowledge. I called to my bank to stop those payments. I have not gone to the gym since XXXX. I can not believe they are trying to charge me {$83.00} more after they had gotten free money for more than one year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Eight months ago I applied for a dental credit card. I was denied by XXXX Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( XXXX ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from Experian. Experian was unable to supply specific reasons why, like XXXX. I attempted to call 3 times and you can not get to a real person. Its the same recording that XXXX has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.

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 2023-10-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to open a savings account with XXXX XXXX. They told me I was denied because of my credit score with XXXX. I contacted XXXX and the report has no negative information to dispute but they have my score in the XXXX out of XXXX. My score with all XXXX XXXX, XXXX, and XXXX are over XXXX out of XXXX. They say I cant dispute their logic, but there has to be an error. The top XXXX reasons that contribute to my score all say the same thing : either no info in the last 3 years or adverse info. I have a mortgage in my name, a car loan, XXXX credit cards paid off every month, etc. There is no reason they shouldnt be able to find info on me. The more I ask, the more they speak sternly and say there is nothing they can do. This is crazy because I can get loans, but cant open a savings account. Please help me fix this as they wont do anything.

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 2023-08-23
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened dispute claim # XXXX # XXXX and # XXXX with Moneylion. I supplied written confirmation of the dispute via email on the same day with documentation from the merchant ( email screenshot ) to prove the transactions were canceled ahead of time and my card was not supposed to be charged. Moneylion is required under Regulation E to provide a temporary credit of the full amount within 10 business days of opening the dispute. I need these funds credited as soon as possible, as this has caused significant financial strain for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 don't know who is looking at these complaints or is looking into this investigations, but who ever is conducting the investigation is completely ignoring the facts that I have presented in the documents attached. which means that they are reviewing the documents with the violation that I have circled in red, and blatantly ignoring them. How can an investigation of illegal re-aging come back as verified and accurate? wouldn't that suggest that the investigator is agreeing to what i am saying and pointing out? XXXX XXXXXXXX XXXX XXXX  dba XXXX XXXX is illegally re-aging collection accounts reporting on my credit. This is a serious violation of the FAIR CREDIT REPORTING & FAIR DEBT COLLECTION PRACTIE Act and is illegal. I can not get a mortgage loan or the job i want because of these inaccurate reporting. delete XXXX XXXX and XXXX XXXX accounts

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 2023-04-12
Company: EQUIFAX, 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:
There are some negative Late Payments on my Credit Report for the below company : XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not able to access my Trans Union Credit Report. I called Trans Union several times for help, regrettably Trans Union kept transferring my call to various departments but the issued remained the same.

I did inform Trans Union several times that I have been a victim of identity theft in 2016 and is facing issues since then, unfortunately when I tried to create an account to access my information, as part of 2 step authentication, Trans Union is sending an code to some email that does not belong to me. 

I have informed about this issue several times to Trans Union, since the email does not belong to me I am really concerned. Trans Union is doing nothing about this. 

I even informed them that I will be filing a complete CFPB, yet no help.

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 2023-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX BANK XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXXXXXX XXX Balance : {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is regarding dispute under ID # XXXX I sent Moneylion official written confirmation of the dispute via email on the same day with an email screenshot from the merchant confirming my transactions were cancelled, but they charged my card anyway. I need Moneylion to provide a temporary credit in my checking account within 10 business days as required by Regulation E, or as soon as possible since I wasnt expecting this money to be out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase on XX/XX/ at a local furniture store using my store account that is issued through Wells Fargo, N.A. I used the store card because it is 12 month interest free financing. My issue however is that upon logging into my Wells Fargo online account I am unable to make payments on my account because they have still not processed my purchase. I have continually checked my online account since I made the purchase and the charge still to this date ( XXXX XXXX XXXX a month a half later ) shows as a " pending transaction ''. To date I have still not received a statement on the account either, the first of which should have been issued in XXXX. The online system shows that my next statement is scheduled for XX/XX/XXXX but this is similar to what it showed last month ( but XXXX cited ), so likely that I will not get another statement. Periodic statements are required under TILA/Reg Z , so I am concerned that one hasn't been issued yet on my account. Furthermore, Wells Fargo 's online system will not allow me to make a payment on the account as their system states " Your payment can not exceed your outstanding balance. Please change your payment amount. '' I have never had a delay this long on any credit card purchase posting to an account, and at this point it is preventing me from making payments that I should have the right to pay on my account prior to the end of the 12 month 0 % interest promotional period. This to me can be construed as consumer harm and resolution should be to extend the promotional period to allow consumers 12 consecutive months with the ability to make payments on the account at 0 % interest. Also, just now when I logged into my account, their online system has an alert that states " If you see incorrect balances or missing transactions, this may be due to a technical issue and we apologize. Your accounts continue to be secure and we're working quickly on a resolution. '' This to me is not adequate customer service from one of the largest banks in the country. They have been in the limelight for practices that create consumer harm and this is one that can be added to their track record. 

Thank you for your attention to this matter.

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 2023-06-12
Company: Southern Management Systems Inc.
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:
SEE ATTACHMENT FOR IDENTITY THFT REPORT. 

An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by SOUTHERN MANAGEMENT SYSTEM who also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Source Receivables Management LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been settled and paid in full. This debt was paid in full on XX/XX/2018. This account was opened and closed within 15 business days due to the service not working. I have attached a conversation with the store managers regarding this account. I have reached out to this company once they received the account that it has been paid in full and supplied all the information the company has failed to remove this debit which is causing a negative impact on my credit. I would NEVER go to XXXX for service they will rip you off and lie to you. They add additional fees into your contract and change prices every month on your bill. XXXX IS A SCAM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation