BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: Certegy Holdings, LLC
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka Certegy and XXXXXXXX XXXX XXXX! Not only did they steal {$25.00} fraudulently from my XXXX checking account under the name of XXXXXXXX XXXX  XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, presented it a second time, then a week later Certegy steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and XXXX XXXX!!! They told the CFPB they did not receive this fee and had resolved all on their end, XXXX XXXX XXXX!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank XXXX XXXX  which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from Certegy  showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL  that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by XXXX or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! 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 2021-11-15
Company: EQUIFAX, INC.
State: TX
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, on XXXX|XXXX it's more than 60 days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions 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:
Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 ) XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/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 2019-10-15
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:
Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good Day I need your help with Equifax Information Services LLC aka Equifax the credit bureau. I notified XXXX and XXXX in XX/XX/2021 that there was fraudulent information on those 2 consumer reports. So they added an initial fraud alert and they automatically contacted Equifax to add a initial fraud alert as well ; even though no fraudulent information was listed on Equifax that is how this archaic system works. So in XX/XX/2021 XXXX and XXXX took care of the fraudulent information. So I thanked them and asked them via mail to remove the initial fraud alert. They wrote me back via USPS mail with proof that the initial fraud alerts were removed Great. I also wrote Equifax at the same time and Equifax still have not received the initial fraud alert. I wrote Equifax in XX/XX/2021, XX/XX/2021 and XX/XX/2021 with copies of my ID, social security card and recent utility bill, a utility bill for the month that I wrote them for proof of address. These documents were enough for identity verification and address verification. These are the documents their reps tell you to send with any mailed dispute. I have not received any correspondence from Equifax. Granted I have been writing them since XX/XX/2021 to remove the initial fraud alert on my credit report. I mailed 3 letters each month to these Equifax addresses these addresses are listed on Equifax credit reports : XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX. I know Equifax have received the 9 letters from me asking them to remove the initial fraud alert off my credit report. This is ridiculous and I am so frustrated that they won't do their job. I have written them 9 times to the 3 addresses they supply and I included the proper documentation in each letter they require. I need the initial fraud alert removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 money was taken from my account. I reported this illegal activity to my Bank of American the following day when I saw that this activity had taken place. I realize that my Bank of America debit card was missing from my wallet. I provide Bank of American a written statement about this incident and even provided a police report. Bank of American refused to reimburse me for the XXXX dollars that were taken from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called TCF bank on XX/XX/XXXX at XXXX MST and they refused to close my account because they felt my reason for closing it wasn't valid. That's not their responsibility and they need to close the 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 2019-04-27
Company: Worth Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've never really paid to much attention to my credit before till recently. when I was receiving loan offers in the mail and credit cards and phones calls not stop people wanting to give me a loan. This all happened after me and my son father broke up I cant prove this was him but someone was applying for me credit everywhere wasn't getting approved. when I did a credit report I saw some stuff but not everything that's on there now wasn't on there at first. In XXXX my online banking account was hacked into I am still not really sure what happened. I received a check in the mail from worth finance for {$1000.00} it was XXXX time and with no help from my sons dad I was relived I got it. I deposited through my XXXX XXXX   XXXX app. and like 2 weeks later another XXXX dollars was pending in my checking except I didn't know where it came from and my online banking didn't show anything but {$1000.00} was pending. I called the bank asked about it beings its was a Saturday there wasn't much they could do or tell me then the money first disappeared and days later my account was clothed. I called no one knew or could tell them I finanially received a letter in mail with instructions on what I needed to do. so I filed for identity theft reported it to the police and in XXXX almost 3 months later they closed there investigation. I then learned the worth finance check had something to do with it and I've been have a hard time with my credit since. no one actually stole anything or was able to get a credit card that im aware of yet. I would really appreciate it if you'll could help me fix my credit issues. I do everything from the bank and my identify theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Chase bank branch ( at XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) on XXXX XXXXXX/XX/2023 to deposit {$1000.00} cash ( XX/XX/XXXX ) through a teller. I told the teller my checking account number for the deposit. The teller wrote the deposit slip, count all bills, and accepted the {$1000.00} cash. Then, she gave me a deposit receipt. 

On XXXX XXXXXX/XX/2023, I received a letter dating XX/XX/2023 from Chase states : " We received the deposit you made in the amount of {$1000.00} on XX/XX/2023 at one of our branches. It included counterfeit notes that not valid for deposit. We deducted {$200.00} from your deposit. You can see the adjustment on one of your next two statements, or on Chase.com. If you have any questions, please visit any of our branches or call us at one of the telephone numbers above. We accept operator relay calls. '' This is a big surprise to me because I got these bills from the ATM machine from another bank and the teller counted all of them before she accepted the deposit. 

I log into my account immediately and found {$200.00} withdraw made on XXXXXX/XX/2023. So I went to the Chase branch on XX/XX/2023. I asked to see the branch XXXX and told him the letter and the {$200.00} withdraw. The branch manager told me same the thing as on the letter. I told him they did not tell me anything wrong when I made the deposit in person on XX/XX/XXXX. How could they tell the counterfeit notes are from what I deposited? I asked the branch manager about this question. He asked me to call the XXXX on the letter. I left my cell phone number to the branch manager before I left so he can contact me if there's any update from investigation. 

I called the number on the letter ( XXXX ) several times since XX/XX/2023. I got a case number of XXXX on XX/XX/2023. But I was told this case got closed on XX/XX/2023. I called the same number again on XX/XX/2023. The supervisor told me that he sent email to the branch manager and district manager with a reference number XXXX. He also told me that the counterfeit notes are XXXX XXXX bills, which is not part of my deposit as I stated above. He asked me to go to the branch as soon as possible. I went to the branch on XX/XX/2023. The branch manager was not there and a banker in the branch said he would pass the information to the manager. I haven't heard anything back afterwards. 

I called the XXXX branch again today ( XX/XX/2023 ). The branch manager was not there. I asked the banker who picked up my call regarding the status of my case. He said it's unlikely that they will return {$200.00} back to me. I asked for the evidence again. He said someone will call me back today, but no one called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to XXXX and Equifax for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the Document down load you will find dates ranging from XXXX/XXXX/2021 to XXXX/XXXX/2021. 

I put a time line together, then attached supporting documents. 

Please help if you can. CapitalOne and XXXX are acting unethical and not reasonable at all. They both fabricate information as you will see from picture 's and documents. 

I do not understand why companies such as CapitalOne and XXXX would try to pull scams as they have done with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Personal Loan Service
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have taken a loan from an online app named " XXXX XXXX '' of XXXX XXXX on XXXX XX/XX/XXXX which was due on XXXX XXXX but i repaid the amount on XXXX XXXX only as per their guidelines. Now as i have repaid the loan the company is denying of the repayment received. And also have not updated their system. They are sending fraud message to my contacts with my XXXX image attached. I made the repayment in XXXX installment XXXX and XXXX, on their XXXX XXXX- " XXXX XXXX XXXX '' registered as " XXXX  '' but the whole amount is paid. And now all the numbers have been turned off also no response is coming. And the overdue charges are being added even after repayment. They are demanding for repayment again and also threatening for the police complaint. Now the app is been deleted from playstore and also no customer service is working. They have the complete access of my contacts list. 

The customer service numbers are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX My contacts have received messages from the number- XXXX I complained about it to the XXXX  company they said its not our issue try to contact merchant. Merchant, i.e. the loan company said we have not received the payment how will we refund you or update your payment. But the money is debited from my account also i have the proofs that i have sent the money to their XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
SAVE XXXX XXXX XXXX is incorrectly calculated and now I am in administrative forbearance. My monthly payments under the XXXX XXXX were estimated to be nearly {$150.00} less than the current estimates shown. When I called my servicer, they noted that the calculation was not using my XXXX from my last tax return. I submitted a request to recalculate, and have yet to receive any confirmation. I have been placed on administrative forbearance, but this does not stop interest from accruing. Additionally, I am planning to apply for forgiveness through XXXX, and received word that the months under forbearance would not qualify as eligible payments for XXXX, further delaying my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: NCB Management Services 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: Investigation took more than 30 days

Complaint:
I have tried to explain during that period I was both mentally and physically XXXX XXXX XXXX XXXXXXXX to where the United States government felt that I was not capable of handling my own affairs and ordered XXXX representative. During that time the car dealership was given all of the financial information including the the awards letter, and the bank statements that 100 % said I was not in charge of my financial and still through dealership magic got me into a car XXXX just wondering that if XXXX XXXXXXXX is enough to have us acquitted of a crime or committed to a hospital against XXXX why isnt it enough to assist against the dealership that took advantage of that XXXX 

I have tried to fight and have spent countless hours on the phone getting absolutely nowhere ignored mysteriously disconnected and straight out told were hanging up on XXXX 
I can send documentation, but would like to do it through better secured email because it is information from Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any money - theya re form XXXX or XXXX - the calls come from XXXX - all times of day - leave messages - rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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.

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 non-monetary relief
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against 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