BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Amount {$39000.00} Validate account/ Different dates of last activity XXXX  XXXX  Amount {$29000.00} Validate account/ Different dates of last activity XXXX XXXX XXXXXXXX Amount {$38000.00} Validate account/ Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$600.00} Validate account/Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$850.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX Amount {$1100.00} Validate account/Different dates of last activity XXXX XXXX XXXX  Amount {$9200.00} Validate account/Different dates of last activity XXXX XXXX XXXX Amount {$570.00} Validate 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 2020-08-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a payroll check in the amount of {$760.00} through US bank mobile app. The first day the bank gives you {$200.00} then after the check clears you get the rest of the money. The next day I got the rest of the funds so I thought the check was good. A few days later that same week I look at my account and had a negative balance of {$710.00}. I called US bank to see what happened and was told the check had a problem so they said take the check into the bank and see if it can be resolved. The manager of the bank said the check was fraudulent. US bank closed my account and they told me I can never open an account with US bank anywhere. I asked can I talk to someone in the fraud department but they said no. Once a check goes fraud then there is nothing I can do. All I did was deposit a minimum wage check with XXXX XXXX XXXX XXXX printed on it I received from my employer. I found out that when my employer opened this account with XXXX XXXX XXXX XXXX it was a new account and had a 24 hour hold on the account. My check came in this hold period so XXXX XXXX XXXX XXXX didn't honor the check. My new employer and me wants to know where is the fraud? My name is now defamed and soon my credit and reputation will suffer. I have a new bank now in XXXX XXXX XXXX XXXX. Before I open this account I told them what happened to me with US bank making me a fraudulent customer. They thank me for my honesty and they open my account. I gave back US Bank the negative balance hoping I could save my account but to no avail. I had a hard time giving the US bank back its {$710.00} but they took it. Then I asked for my {$70.00} in my savings account and then close my account. I had a hard time getting back my {$70.00}. I have been open and upfront with honesty but now I am a fraud. I want my good name back. I also keep thinking if the payroll check was bad then why did US bank give all the funds written on the check the next day? 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, 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:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX ( showing duplicate on my credit report ), XXXX ( Original Creditor XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXXL ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX  AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.

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 2021-01-31
Company: EQUIFAX, 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 status incorrect

Complaint:
I payed off the Debt of {$160.00} to XXXX since XXXX XXXX  told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on Equifax only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to Equifax to remove the inquiry. Please someone help me reach out Equifax for them to fix their broken system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.

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 2021-11-01
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A loss was incurred through the occurrence of a minor accident on XXXX which caused the damage of a rea fender of a XXXX XXXX XXXX ( XXXX XXXX  ). As at the time of the accident, the damaged fender was still attached to the rear of the car, and this was the singular damage to the car. At the point of the accident, the car was drivable, and the fender was reasonably intact. I agreed to pay for the repairs, but my overture was severely rebuffed. 
Subsequently, I received a letter from the other parties insurance- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX making a claim in the total sum of $ XXXX enable a response from an informed point of view, I took the initiative of finding out the cost of a brand new fender and was shocked to know that it costs less than {$200.00}. 
Upon this astounding discovery, I requested for details of the invoice, the body shop telephone number and other details to verify this claim in my response dated XXXX XXXX XXXX, but rather than providing me with all the crucial details, I received a phone call from AFNI ( A Collection Agency ) Subrogation Officer threatening me that I have no right or privilege to ask for these details and informing me that I could lose my driving privileges and that my alleged debt would go on my credit report. 
I disputed this claim and insisted that I needed more details of this expenses to enable me verify. But to my shock, I received another letter dated XXXX, XXXX, increasing the alleged claim from AFNI to the sum of {$2.00}, XXXX, which is contradictory to the first letter from the insurance company. 
Subsequently, I received several phone calls during which several threats were issued by AFNI personnel and a letter stating outrageous estimates, without phone numbers, addresses or invoices of the amount incurred which in effect prevented me from checking the validity of any claim whatsoever. In the same call, they agreed to accept {$2400.00} only if I made the payment over the phone, if not, that they would come after me for {$2900.00}. This is proof that the added {$500.00} is wrongful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: GreenSky, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I believe this loan is a predatory loan. When I first got the loan I paid triple the amount of the payment. When I first asked for a breakdown of payments I was denied. I also wanted to pay my payment early I was told if I do that before I get My monthly stamens I would have to make a double payment because it would automatically apply to the principal. I would be considered late then if I didnt make 2 payments. I have been paying this loan for 4 years and I believe it should be paid off but my statement says I still owe a significant amount. Also the interest rate is 9.99 and they take 50 % of the payment each month for interest. I believe this loan has to be looked at if they are doing this to me they are doing this to all customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by XXXX XXXX, National Credit Adjusters on XX/XX/XXXX via phone call from # XXXX claiming I owe {$290.00} for a payday loan to Payday One from XX/XX/XXXX. I receive several calls daily from them on my ph # XXXX & XXXX. Sometimes 5 or 6 x 's a day. Now I know that the FDCPA clearly states that I have 30 days to dispute once I receive 1st demand letter and also any collector CAN NOT contact me until that demand letter is received and I am given time to dispute. I have never received a 1ST demand letter, only a a lot of ph calls. That is clearly a violation of the FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Applied and Completed application with Ameritech ( XX/XX/XXXX ). Company initially charged a fee of {$88.00} in the first month ( XXXX ) and then three payments of {$280.00} in each of the next three months. {$99.00} was charged monthly until membership was cancelled ( XX/XX/XXXX - monthly Ameritech fee already withdrawn ). Customer noticed that while making the payments to Ameritech balance of federal loan was not influenced by amounts paid to Ameritech. During the courting process, agent working for Ameritech did reveal that monthly payment would be lower but did not accurately nor thoroughly described what services they were providing, namely enrolling customer in repayment plans. Agent did not mention that the fees Ameritech would withdraw do not directly go toward the balance of the federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : Loan Re-modification letter and contract approved XX/XX/XXXX Subject : Significant questions regarding our loan re-modification contract My wife and I complied with the terms of the trial period modification and made all payments from XXXX thru XX/XX/2018. On XX/XX/XXXX, we received a loan modification agreement from Seterus to review and sign. 
I called the number that Seterus provided ( XXXX ) on XX/XX/XXXX to obtain answers to some significant questions that my wife and I have with this agreement. 
My call was answered by XXXX XXXX, an agent from the call center in North Carolina. XXXX was unable to answer my questions so I asked to speak to a loss mitigation representative. She told me that the loss mitigation representatives do not talk directly to customers. 
XXXX then told me that I needed to document my questions and fax them to the Correspondence Department for answers and that they normally take 30 days to respond. 
I advised XXXX that I must return the signed agreement by XX/XX/XXXX and that I need these questions answered prior to submitting a signed contract and could not wait for a response from the Correspondence Department. 
I then asked XXXX to escalate and that I wanted to speak to her supervisor/manager. XXXX stated that her supervisor, XXXX XXXX, was busy with another customer but would contact me the following day ( XX/XX/XXXX ). 
I documented my questions and faxed them to the Correspondence Department with the number she provided. I never received a call from XXXX XXXX on XX/XX/XXXX. 
My current maturity date is in twelve years and the agreement from Seterus is an extension for 40 years. I would like to know why we were not offered any other options other than this term extension.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX   XXXX {$1900.00}

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 2018-02-09
Company: JPMORGAN CHASE & CO.
State: SC
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:
I tried to dispute charges on my CHASE BANK CARDS with the following companies XXXX XXXX XXXX AND XXXX XXXX. I paid these companies a combined total of {$6800.00} ALONE on my XXXX XXXX XXXXXXXX Cards. 

I paid these ( 2 ) companies a combined amount of over {$26000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to build a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these fraudulent companies who falsely claimed and led me to believe that I would achieve substantial earnings by signing up with them. 

XXXX XXXX guaranteed 600,000 Visitors & preload ; charge for this {$10000.00} XXXX XXXX. XXXX. - Corporate Level Platform and Marketing ; charge for this {$16000.00} All this was to create exposure, guaranteed traffic thus generating greater sales. In total I have paid them thousands of dollars and not made a single dime. All I have is nothing but a worthless non- functioning web site and severe credit card debt. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My card was charged for {$90.00} cents for a unrecognized vendor. I disputed the charge. Capital One reversed it but day later after a " investigation '' ( did nothing ) put the charge back on my account. Stating that " I PURCHASED MERCHANDISE. '' This in spite of that day being two other fraud charges that were caught and reversed. 

Gasoline station in XXXX I made a valid charge for gas. The attendant or coworker must have swiped the card in other portable terminals because from that time ( 2 ) other charges were attempted. There are signs at the gas station warning of this. In the blink of an eye, without approval, the card was swiped on different readers. 

One for {$230.00} for a gasoline station was flagged by Capital One 's system and declined. 

The third, a vendor I have absolutely no knowledge of. Capital one said that there is nowhere else I can go within the company to dispute their " determination '' that I was already talking to the right department. This same experience on multiple calls to resolve. Only once did they commit to a callback by executive offices - resolution department or some made up name. Nobody ever called. I call asking for similar departments then they require a NAME to transfer a call. Nobody uses first and last names. Is impossible to resolve within the company. They have denied my right to dispute and refuse to give the process ( as required by law ) or address to file a written complaint. 

I closed my account. 

One was caught by

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: JPMORGAN CHASE & CO.
State: MA
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:
Hello, I need assistance in a challenging situation with a merchant and Chase. I'm raising a claim against deceptive acts by a vendor and inadequate support from charges processed by chase that weren't rendered. 

Situation : I'm an owner of a rental property and unfortunately the tannate I had stop payment since XXXX of 2020 and left the property in XX/XX/2020, I dealt with heavy financial loses while still needing to pay the mortgage and taxes on the property. The rental income not paid from the tenant rent for over 6 mounts added up to a loss of XXXX. Once the individual left and I was able to go into the home I saw the damages the tenant and his family did that required repairs. Fortunately I had a new tenant who would be able to move in quickly, obviously due to the loses and ability to have someone come in immediately was a great blessing as we have been able to support the loses earlier and only could survive a few more months. This put a tight window in having the repairs completed prior to the individual move in. 

One of the repairs were replacing the carpet ( Previous tenant had 4 children and lived there for over 3 years ). I reached out to xxxx and advised them of the situation and if they weren't able to complete the project I would be forced to go to another vendor as I priced out and spoke to many other carpet providers and installers. I wanted to provide this business to local small shop since I knew the challenge of Covid and impacting business. Unfortunately the individual didn't come by and install the carpet or services agreed to. I was forced to go with another vendor due to this, the vendor was unresponsive to my calls and follow-ups. 

I reached out to chase and advised of the situation and unfortunately they processed the charges in full for a vendor where services or products weren't provided ( XXXX ). I've been reaching out to the vendor and chase since XXXX and both have informed me they will not be reimbursing me for these charges. I feel I was scammed by the carpet provider by deceptive selling and billing tactics. I would understand if certain charges and services should be deducted but I find it unfair to be charged for something where I didn't received the agreed upon service or product as per the agreement they signed and violate. Chase should of followed my instructions but after multiple calls they refuse to provide support in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is Citibank NA and is regarding an XXXX XXXX account Account # XXXX. I did not apply for credit account with XXXX XXXX Citibank N A. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or Citibank NA. I did not apply for this credit and this is not my debt.

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