BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had fraud on my bank account and stated this to the company every day, they called me every single day and I always answered I am at work and they decided to call there when I didnt pick up One day but I he called back w in an hour Ive been written up for being on phone during business hours as I stated that to them I cant get money back from bank until my investigation is done, I have let them know multiple times they started then calling me and my work daily then they called at XXXX XXXX XXXX and they call no caller id after hours and weekends I called back yet again and they keep saying I havent been in communication they want an update daily but Im at the mercy of my fraud and its not quick thing to Solve and I have let them know this then she threatened to File suit on me they have harassed me jeopardized my job as well at my mental Health and I had to go see a doctor for suicidal for the threats of suit and phone calls to Myself and work and now costing me My Job

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 2022-12-11
Company: EQUIFAX, INC.
State: MI
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 following accounts have violated my rights : XXXX XXXX - XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase base stole XXXX dollars from my account with out my authorization and when I contact them every day for two months they send me XXXX dollars saying they are sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 3-4 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 2022-01-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. XXXX XXXX XXXXXXXX. {$6800.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I specifically signed up for the Marriott XXXX credit Card with Chase for the advertised offer. The offer was spend {$3000.00} in 3 months and receive free XXXX nights worth XXXX points a night or XXXX total points. When I received the card, I had to spend {$5000.00} in 3 months and only receive XXXX points. I called to have them honor offer and spoke with their Supervisor XXXX. She advised there was nothing she could do since the card was opened with the offer shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Senex Services Corp.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the comany is in violation of my hippa rights. i have no signed contract with the company that proves i owe the company a debt. hey have threatened to damage my credit rating with this illegal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2022, we used a Lowes credit card ( issued by Synchrony Bank ) to purchase several items. Two items totaled {$1600.00} ( and were interest-free for a specified period ) ; the other two totaled {$150.00} ( and were subject to interest ). 

The following week, and before receiving our first statement, we purchased several more items ( all of which were interest-free for a specified period ). We made one additional purchase ( XX/XX/XXXX ) for {$390.00}. 

On XX/XX/2022, we received our first statement and paid {$350.00}. Without notifying us, Synchrony allocated 100 % of the payment to the interest-free purchases. On XX/XX/XXXX, we paid {$390.00} ( to pay off the interest-bearing items ). Again without notifying us, Synchrony allocated 100 % of the payment to the interest-free purchases. 

We continued to make monthly payments by the due dates for XXXX and XXXX, each for {$320.00}. Because the interest-free purchases were subject to various durations ( e.g., XXXX mos., XXXX mos. & XXXX mos. ), we called Synchrony yesterday ( Saturday, XX/XX/XXXX ) to confirm our understanding was correct. 

That is when we ( my husband and I ) learned that Synchrony had applied 100 % of our payments to the XXXX  interest items, and none to the other purchases. In fact, Synchrony said that, unless we paid ANOTHER {$430.00}, which together the payments we had already made ( {$1300.00} ) approximately doubled the total of the purchases subject to interest ( {$540.00} ), or it would continue to charge interest. 

Synchrony has refused to reverse any of the interest charges ( total {$58.00} ) because, it " said that is how it's system is designed '' to process payments.

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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX XXXX and Transunion as well as to XXXX regarding this. They claim they have investigated it but they have not.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have asked transunion to remove incorrect fraudulent info from my credit report resulting from identity theft which includes adresses accounts and inquires and they have not done it i provided identity theft reports

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 2022-01-26
Company: Southwest Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received and email from : Southwest Recovery Services XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Stating that they were collecting a debt. That I owed them {$600.00}. 

I responded immediately that I didnt recognize the debt and to provide verification of what its for and how did they arrive at the amount of the debt. 

Shortly after this company place XXXX separate accounts on my credit report. 

I filed requests for investigation with the credit bureaus. In XX/XX/2021, the bureaus just closed the investigation saying the company verified the collection. I still havent received any documentation of these accounts. I dont know how/what information was verified or how. I know there is no way that I owe both of these collections without recall.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received several emails from various wellsfargo.com welcoming me and activating my personal checking account. I did not open this account. I do not bank with Wells Fargo now and never have. When I called their online fraud department i asked how a bank could open an account without a photo of my government-issued state ID, and that based on recent litigation, their XXXX XXXXrogram should be a little tighter. XXXX from the Online Fraud team told me it sounded like I was speaking a foreign language and wasn't aware of what XXXX or the FTC were. While the account is " frozen '', I was told this issue would remain active for at least 45 days before closing. How is this 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 2022-12-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint ( this time ) is with myEquifax. I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for fools '' by hiding information, information that needs to readdressed by XXXX on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a letter from Capio partners today XX/XX/XXXX regarding a medical payment on XX/XX/XXXX for {$160.00}. 
I had paid all of my bills as soon as I received them. 
In addition, who remembers how much and how I paid a bill 4 year ago,?? when I never got notified of any past due bill???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem with personal statement of dispute

Complaint:
I moved out of a rental house in Washington DC in XXXX. Prior to moving I had signed up for XXXX XXXX and had paid the monthly bill. The roommates remaining at the residence wanted to continue the service. Prior to moving I called XXXX with one of the remaining roommates and requested they remove me from the account and add her to the account. XXXX confirmed this would be done. 

From XXXX through the beginning of XXXX I received no communications from XXXX regarding this account, which had been current when I left the residence. At the start of XX/XX/XXXX I began receiving collection notices from XXXX stating that I owed an unspecified amount on the XXXX account. 

I repeatedly requested any verification of the debt, and requested that XXXX communicate with me in writing. To date I have not received verification of the alleged debt, and XXXX has continued to call me in relation to the alleged debt, with the most recent phone call coming on XX/XX/XXXX. 

On or about XX/XX/XXXX, XXXX reported to the credit agencies that I owed an unpaid balance of {$4500.00} on the account. I disputed this report with all three credit agencies. All closed my complaints with no change to my credit report, and did not provide any information to me from XXXX, nor request any additional information from me.

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 2023-04-04
Company: InterLinc Mortgage Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Interlinc Mortgage ( Loan Originator : XXXX XXXX XXXX ) and XXXX  -XXXX  XXXX ( XXXX XXXX ). 
Was interested in a home with XXXX because they were providing some incentives, last minute they insisted that the incentives were based on my use of a preferred lender. I paid Earnest money- {$3000.00} ( XX/XX/XXXX ), applied for pre-approval with XXXX Interlinc ( XX/XX/XXXX ), Got a pre-approval with so many fees and unrealistic ( for me ) built into it and more importantly did not include the discounts/incentive that I was expecting : they tried to explain this away and I was going with it " unhappily '' but found that I couldn't get another regular 401k Loan as planned ( I had 2 ). I explained this and XXXX comes back with a program that Interlinc is about to roll out on the XXXX of XXXX that will cover the downpayment and be forgivable only after 10 years. I declined for 3 reasons 1. ) 10 yrs is a lot of time for us to not be able to move/sell/refi if needed and 2. ) This program is yet to start, but she and XXXX of XXXX XXXX are insisting that I sign Disclosures based on the " coming soon '' despite that we can not lock down any rates/pricing until the XXXX ( cos she will be trained ) 3. ) We are due to notify the current landlord of our intent to vacate or renew, the XXXX of XXXX puts us outside of the time needed to notify, and also for us to make decisions that will impact our life, kids, and work. 
I was depending on the incentives and discounts to cover most of the closing and other costs-however the incentives turned out to be charged and not the dollar amounts as well as an increase in the loan amount. 
As of today, I only have a pre-approval and can't wait until the XXXX to know what it's going to be. I requested they refund my Earnest money and They are insisting that I request a hardship loan against my wish on my 401k, my future! There is no underwritten approval because I did not sign the Disclosures since it was based on an upcoming program that she does not have any definite information about except for dates. XXXX XXXX XXXX is also threatening to put the house back on the market for which I paid Earnest Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NC
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: PA
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:
It has been brought to my attention that XXXX has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The information relate to this account does not relate to any transaction ( s ) that I have made.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been a SunTrust customer for decades, when it was XXXX XXXXXXXX XXXX. 
On XX/XX/XXXX I wrote a check for {$47.00} to pay my water bill. I mailed the check at the U.S. post office. 
I discovered on XX/XX/XXXX that the check had cleared my account on XX/XX/XXXX for {$6300.00}. I called SunTrust on XX/XX/XXXX and spoke to a person who said she could see that the Payee, Date, Amount, and Signature had been altered. The fraud department opened a case number to investigate what had happened. 
I found online information about the fraudulent payee and took it to my branch on XX/XX/XXXX to be shared with the Fraud department. 
On XX/XX/XXXX I called the Fraud department. An escalation was placed on the case and I was told to expect a response in 2 business days. 
I called again on XX/XX/XXXX and was told there was no activity on the case. 
I called again on XX/XX/XXXX and was told the case was in process and usually takes 120 days and I should expect finalization by XX/XX/XXXX. 
I called on XXXX XXXX and was on hold for 45 minutes with no response.

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