BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, my wife and I were away from home to be with a dying family member. Scammers called posing as our water and power department threatening to shut us down if we didn't pay right away. We had someone staying in our home in XXXX XXXX taking care of our animals. We tried to put a XXXX payment through from our bank ( USAA ) which said they could not let it go through until that Monday. We soon realized the person on the phone with us posing as XXXX  XXXX was a scammer and called the bank back to cancel the transfer. Even though they said it wouldn't go through, it did. The Bank said the transfer wasn't fraudulent even though the smallest investigation proves it was ( USAA lists the recipient as XXXX even though one call to them would corroborate the fact that it was not them ). XXXX takes XXXX responsibility and USAA is now ignoring all the escalations they keep promising. We are out {$980.00}. USAA said it was going to the escalation department twice, but they never got back to me. When I followed up, there was NOTHING being done, considered or escalated. 

XXXX is a magnet for fraud and totally unregulated as a normal bank transfer would be. We are the victims of fraud and unprotected by our Bank, USAA. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I reported my cash card lost/stolen in XXXX.. after receiving my new card, I reported unauthorized transactions on my card that was canceled.. I pointed out specific transactions and a specific card number.. my complaint was ignored. Somehow the card is linked to my current account for direct deposit along with 4 authorized users that I did not approve. Cash app should be held accountable for all of the unauthorized transactions! I dont know how a card that was reported stolen can be reactivated! My security requests were ignored. I feel like I was discriminated against when I first complained and was laughed at saying there service was secure! I am canceling my account and advising everyone I know to do the same! Their services are not secure!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-05-26
Company: Experian Information Solutions Inc.
State: CO
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:
Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXXXXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.

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 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX My home, car, and possessions were destroyed in hurricane Ian. I immediately contacted Regional Acceptance of the natural disaster. They informed me that even though the principal of the car was Satisfied they would still be charging me penalties and interest in the sum of XXXX and they would extend my payment until XX/XX/XXXX. That didn't happen instead reported it late. Strong holded me to sign a new agreement for a car that towed away destroyed by mechanic. I asked for a reasonable compromise. They offered me XXXX as apposed to XXXX for three more years for a car that doesn't exist. I have no car I have no home. I wish to remove this car from my credit report and to settle this with the lender. Whose clearly become a predatory lender seeking to take advantage of my weakness. The car insurance comp and collision insurance wasn't on the vehicle. They didn't notify gap when they extended my contract so they won't cover it either. The vehicle was purchased XX/XX/XXXX the principle was paid XX/XX/XXXX. At 18 % percent interest. This is damaging my credit profile and I need this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I attempted to dispute the subject matter of my previous complaint against XXXX on my Transunion credit report. Transunion 's website did not accept supporting documentation despite several attempts to upload it, and did not offer any explanation for the failure or any alternative way to submit documentation.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello my Name is XXXX XXXX XXXX & 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. 

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 has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls 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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were 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 2022-08-15
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 I ordered something from XXXX I never received it I called my credit card company Avant and told them that I never received my item they told me it would take 60 days to get in contact with the merchant to resolve this issue. My account was accumulating fees behind this transaction I was told I have to pay the minimum balance or I would have fee on my account I asked for a credit of the amount of the transaction so it wouldnt accumulate fees I forgot what was said. This has been going on for a few months I finally contacted the merchant because they was taking to long to get my money back which I have gotten back but its still late fees on my account my credit card company Avant told me they could only give me a credit for the most recent fee and not for the other past month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. It is Synchrony Bank.

2. on XX/XX/2023, Synchrony Bank put a restriction on my saving account and money market account and the reason is to review an activity on the account. I called them and they told my that they want to make sure there is no suspicious activity. It already went through first review and now it is under second review and this could take up to 30 days. 
The whole thing XXXX XXXXXXXX since there is no suspicious activity on the account and they told me that the " back office '' is reviewing this and the back office does not take phone call. They have done this to other customers in the past and I know why they do this : they hold on the money as much as possible to take advantage of people 's money so that they invest in those money. Here is a link to the same problem that other people had in the past : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please I need your help in resolving this problem as soon as possible.

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 2021-11-11
Company: Alpine Credit, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife XXXX XXXX XXXX died on XX/XX/2020 of a XXXX XXXX at XXXX Colorado XXXX XXXX. In Colorado, by law, couples are considered responsible separately as far as debts are concerned unless joined by contract. I signed no paperwork on the days of her hospitalization. Since then, no one has reached out to me for payment including the hospital or Drs. 
However, XXXX XXXX XXXX has been hitting me with numerous small bills ( XXXX so far ) totaling {$870.00}. As each has gone unpaid ( my attorney said DO NOT pay unless you are prepared to shoulder all the previous bills ), they have referred the collection to ALPINE CREDIT in XXXX, CO. I have spoken with them on numerous occasions and informed them 'Chapter and Verse ' regarding Colorado law but the said 'they don't care ' and continue ruining my credit. At the time this started my credit was 780, went as low as 550 ( all due to them ) and is slowly back to 680 with almost no debt.

I have reached out to the reporting agencies on numerous occasions but no joy. If there is anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: NV
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:
In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX  XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XX/XX/XXXX, I was told I had available credit on my account without having to take out and additional loan. XXXX called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed XXXX marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed XXXX of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let XXXX  know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XX/XX/XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.

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 2022-05-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I applied for a auto loan with wells fargo. During the process the XXXX XXXX XXXX XXXX said they would give me {$7000.00} for my trade-in. During the process, I stated I was on fixed income XXXX XXXX  XXXX and had to stay with 500 range for payments. The wells fargo agent got on the phone to approve the loan with my assumption the loan payments would be within $ XXXX amount I wrote on paper with sales person. That paper was taken away from me. The finance person talked about all these warranties with no mention of the payments. The finance person did show the monthly payments and I ask to have warranties remove. Warranties added over over {$200.00} per month to loan. I have contacted wells fargo several times to have warranties removed and principle adjusted their executive office has lead me on several times saying they would take care of and never did. Later the executive office would say I am responsible for having warranties removed and not wells fargo even after stating several times they would have warranties removed. Wells fargo has continue to punish me by putting the late payments on my credit report. When ask why can't they adjust the payments wells fargo would state it would take XXXX XXXX to agree to new contract. Asked why can't wells fargo move payment to the end which would help the refuse to do so the even tho they offer to move a payment if you meet their bias over the phone approval where they tell no. does not make a difference what you say your reasons are... I have submitted 4 complaints to wellsfaro on this issue... I have had 2 executive customer service agent say they will have warranties removed all just were buying time so I would not file a complaint CFPB. I am tired of playing the games with wells fargo. They figure if they keep playing this game maybe they can get more money by repossessing the car. Get more on top of the XXXX for trade-in and XXXX for warranties. This bank is corrupt. Does nothing to help customers but put continue to put them in bad credit standing.

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