BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: Fay Servicing, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My loan was transferred from XXXX XXXX XXXX to Fay Servicing. Date of transfer was on XX/XX/21. My account number under XXXX  is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from Fay Servicing shows a Corporate Advance AdjustmenXXXX ( XXXX in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from Fay Servicing. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. XXXX never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022, I requested Bank of America to perform a wire transfer with the instruction to cover all fees related with the transaction ( code OUR ), so the transfer amount would be delivered in full to the beneficiary. To cover any fees from the recipient bank, Bank of America charged me XXXX XXXX, but this amount was never delivered, and the recipient charged their standard fee for receiving the wire. 

In the electronic document ( attached ) it is observed that fees were instructed to be shared between sender and beneficiary XXXX XXXX XXXX XXXX, contrary to my specific instructions. The XXXX XXXX are identified as " sender 's charges '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is worth mentioning that Bank of America reimbursed the XXXX XXXX " transfer fee '' due to another error in this transaction, but they stated that they can not reimbursed the XXXX XXXX as " it has been charged by the recipient bank '', which is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been a chime member for a few years now and as of today XX/XX/23, they closed my account without notifying me or given me any reason. 
I have money in my account that I can't access now, I have rent due XXXX  weekend, I already did my taxes that was submitted for direct deposit which now I need to figure out what to do now. 

I've reached out to chime multiple times now for help and what I can do to get my account back but no response other than they can't do anything and that a check will be mailed to me within 30 days which that is bizarre and too long for me when I have bills to pay and I didn't even do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I borrowed {$700.00} from Atlas Credit Company , Inc., XXXX, on XX/XX/XXXX. The monthly payment due is {$98.00} for XXXX months. I had previously borrowed from them and in less than a month, I REPAID THEM IN FULL. But I borrowed again later, and this time I can not make my payments, and I do indeed owe them their money. That said, the Branch XXXX XXXX XXXX continues bombard me with collection letters, EVEN AFTER I sent them this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX ( or to Whom It May Concern ) : I borrowed {$700.00} from you. I am unable to repay any of it. I do not have a telephone whatsoever at this time ( mine broke ), and do not know when - or if- I will be able to afford XXXX. My references for the loan are being constantly pestered. 

In accordance with the " XXXX XXXX and Collections Privacy Act '' : XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This is your written notification that I want you to cease further communications with both me and all of my references. I will report any and all violations of this law by your company to the appropriate agencies, from this point forward. 

I am sorry this has happened, but this is the situation that I find myself in. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX She is violating federal law in that she is required by law to now either tell me they plan to sue me or write off the debt. I am sick of this and her company should be reprimanded for their illegal actions. ( My telephone broke and so please contact me by my email address : XXXX. I have not yet replaced the phone, BUT it is NOT due to my trying to avoid collection calls ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: WI
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 have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX-XXXX  stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
America express dont access keep get a bill never use the card America express say have a balance never use the card how is the company saying payment been make from XXXX XXXX dont have bank account this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NY
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:
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. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Experian to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill with the FCRA regulation section 605b but regardless of all my labours to notify Experian about the theft of my Individuality and that the accounts were never mine, Experian never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. I am determined to take legal action against them but I will be lavish enough to give Experian a couple more chances to verify me wrong about my conclusion.Once again, I am urging Experian to get rid of the following accounts completely from my File with or without appropriate verification since the time set to the Credit Bureaus to examine was already done. I need the following accounts removed now! 

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 explanation
Consumer complaint received 2023-01-19
Company: Southwest Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I was notified by phone that a debt collection agency ( SOUTHWEST RECOVERY SERVICES ) was attempting to contact me regarding an outstanding utility bill in XXXX. I informed them this was identity fraud. I emailed them a police report. 

On XX/XX/2023, they submitted the debt for collection on my credit report. 

They gave me no information regarding my rights. They gave me no information regarding : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within XXXX  days the debt collector will assume the debt is valid That if you dispute the debt in writing within XXXX  days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within XXXX  days, if different from the current creditor, the debt collector will provide you that information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: TN
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 Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXXXXXX Balance : : {$190.00} Account # 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 explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

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 2023-07-08
Company: EQUIFAX, INC.
State: AZ
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number 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 1681i ( 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: SYNCHRONY FINANCIAL
State: PA
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:
THIS IS NOT A DUPLICATE ... 
I am STILL AFTER A YEAR, trying to resolve a dispute with synchrony mastercard for paypal ( a charge card that I have stopped using for purchases myself, and after doing so and submitting my first complaint to CFPB on XXXX, XXXX about synchrony bank have seen both this paypal card and my old navy card have credit limits on each of {$4000.00} reduced to only the amounts being disputed..the old navy card having only {$170.00} as a limit now instead of the {$4000.00} and I have never been late with payments but am not required to pay the disputed amounts ). Besides that synchrony " closed my dispute '' # XXXX with CFPB " >After careful examination of synchrony 's letter dated XXXX XXXX I see they provided a copy of the XXXX purchase of {$560.00} on XX/XX/XXXX and a refund receipt of XX/XX/XXXX. Upon further review ( I have noted for you and will attach later ) that what they say are refunds of {$59.00} and {$440.00} are not supported on my dispute as the receipts they show for the original purchase have different SKU numbers on the 2 @ {$59.00} and the other returned items show $ XXXX on their supplied receipt that goes on to say " system error ''. 
I am still disputing this complete amount of {$960.00} as I have been disputing for almost a year now! ..Also I have noted that her letter states these items are '' now subject to interest charges.. '' She does not note anything about the other items in dispute so I am assuming they are not subject to interest, and the already wrongly charged interest of {$20.00} will be credited back until this dispute is properly handled. I am still receiving notifications of late payments from synchrony even though this dispute is recognized by XXXX XXXX, Sr. specialist Corporate Consumer Relations Synchrony bank, and needs the time to resolve and not be forwarded to collections or credit bureaus as they are doing. 
Also note that today I have called the phone numbers supplied and left messages to XXXX but have not been able to get a response at all, and the customer service number when answered has people that transfer the calls and then the line goes dead.

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 2023-11-27
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 ( with XX/XX/XXXX XXXX stamped date ) the I.Q. International Data Inc., a third-party debt collection agency hired by Residences at XXXX XXXX  XXXX XXXX validated '' debt : Stated the principal Due : {$4300.00} ( including notice fee ) + Interest Due : & XXXX in a total of {$5200.00}. XX/XX/2023, I have responded to I.Q. Data International , Inc. to dispute the amount owed. I have noticed them that the apartment agreed to early termination because I have surrendered the apartment to avoid non-paying rent and eviction a few month before the lease end and I have lived there over a year. The property management company said they would refund my deposit but they never did. The Residences at XXXX XXXX has been sued many times due to their poor management. 

The principal due they were trying to correct was higher than numbers of month x rental cost and the owed deposit was not included in the balance. It took them XXXX  years later to notify about this debt and increasing the interest amount every XXXX  days. They have never provided any detail document or original agreement but a few lines : principal due, interest dues and total amount due. 

With a few more attempts asking for original proof/document, I have not heard back from them since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief