BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMCOL Systems, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Initially, company called and left a voicemail to call them back. A week later, they called again and asked me for my address and name saying they want to discuss a " business matter. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did not recognize several XXXX  payments for several hundred dollars withdrawn from my account. 10 days later. Capital One instead of performing its fiduciary duty to investigate fraud, instead decided to close my accounts with over {$40000.00} and end " the banking relationship ''. My current funds are " restricted '' and causing a major financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: OH
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CREDIT ACCEPTANCE CORP IS REPORTING A ALLEGED ACCOUNT THAT I DO NOT RECALL NOR RECOGNIZE AS A RESULT I BELIEVE THIS ITEM MAY BE A RESULT OF IDENTITY THEFT AND I AM TAKING THIS STEP TO REMOVE THIS POTENTIALLY FRAUDULENT ITEMS FROM MY CREDIT REPORT..

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
for the past 20 years this company transunion has reported this bs false information i have asked them over 100 times to show proof my signature something on these medical bills they are constantly falsely putting on my account, they know and have been told over 30 times that I have full coverage insurance with the government and they still are falsely ruining my life because of these false reports even asking numerous times for proof which they just decide to ignore me which has caused me to not get jobs .credit .cars a home and I am so tired of it they should be put in jail also they have the nerve to never let me get my credit report or score on line saying I have to write them so they think they can prolong it enough is enough and I am going to have to take this to a higher level .how is it that my score with XXXX  and XXXX are in the XXXX while there score for me is in the XXXX and they never reported the car I paid for 3 1/2 years with never one late payment that because of these companies I had to pay the highest % rate for no reason except for them reporting false information

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 2019-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank is closing my account and will not give me my social security payment.

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 2019-02-12
Company: DISCOVER BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My daughter and I were purchasing a house. On XX/XX/2018, the closing attorney requested a wire transfer in the amount of {$28000.00} for the down payment. We went to our local XXXX XXXX branch. At the time we were negotiating the wire transfer, my daughter presented a new set of instructions she had received. The bank associate executed the wire transfer without verifying the information. Within two hours we became aware that it was a fraudulent set of instructions. We immediately went to the branch and were told there was nothing they could do to stop the transfer. They would report it to the Fraud Department. A week later the XXXX XXXX Fraud Dept. called for details. In the mean time, we reported the fraud to the FBI and the XXXX XXXX Police. A detective at the Police Department called a contact at the Discover Bank and immediately got the account frozen. At that time there was still approx. {$21000.00} in the account. It has now been 10 months and I can not get the Discover Bank to give me my money back. I call XXXX XXXX and they say Discover Bank has not sent them anything. I called Discover Bank and they won't talk to me, so I got the closing attorney to call and they told him we have to go through XXXX XXXX. Why can't I get my money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Okay this complaint is with Cash App or better known as Square , INC. I brought some tickets with my debit card from XXXX XXXX. When i got to the gate of XXXX XXXX there was a mishap and we had to go to the customer service desk. When i gave them the confirmation number they asked for photo ID but i lost it in the uber coming to the park. So to make things worse the supervisor said he COUNLD NOT honor the tickets and agreed to refund the full payment to the cash app card that i brought them with. Well unbeknownst to me cash app froze my card and closed my account. I tried talking to them about this for more than 3 weeks, NO  ANSWER ... i called XXXX XXXX  and they CONFIRMED THAT THEY SENT THE REFUND TO THE CARD ON FILE. So im just trying to get my refund for the tickets. The total of the tickets was {$250.00}. All i want is my money back i did nothing wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Text message received : # XXXX ; Two ( 2 ) lnstances of Fake ACTlVITY has made your, ONLlNE RATlNG ( XXXX XXXX ) ; FlX immdiateIy : XXXX STOP to end Phone number attached : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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:
on XX/XX/XXXX I submitted a dispute in regards to a XXXX XXXX credit account. The account was charged off in XXXX, however the bank was still reporting delinquent monthly payments. On XX/XX/XXXX I received an update from update from Experian stating the account was now being charged off as of XX/XX/XXXX negatively impacting my credit. The charge off date should be reported as of XXXX like it was originally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to dispute a charge of {$2500.00} to my account on XX/XX/XXXX. The charge is in error because of fraudulent / spam activity on my social media accounts, and anything related to my phone number and or email address. On XX/XX/XXXX, I received a link from what I thought was my friend XXXX. She was acting like she was advertising a link. I clicked on the link, and added my phone number and email address without thinking that it was harmless. Later that evening, I received a notification that someone was trying to access my accounts, in particular my XXXX account around XXXX that was someone from XXXX IL. Then followed by an apple request prompting my access code. It was then I realized to check all my accounts that had my email address and phone number associated. By the time I realized it, half of all my accounts that did not have a two-code authorization code were hacked. 
It was then when I called CitiBank and reported the suspicious activity and not authorized charges on my account. I was only able to capture the screenshot of when XXXX notified me it was a user that was not trying to access my account, and I also have the email of apple notifying me that someone was trying to log into my account. I only have two screenshots of facts that I have that confirm these logins were NOT ME! 


my understanding is that XXXX security experts say federal law does protect victims of this type of scam. These kinds of fraudulent transactions are covered by Regulation XXXX, and consumers should be getting refunds!!! The Consumer Financial Protection Bureau put out a directive in XX/XX/XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' Banks should be using fraud filters on XXXX transactions to stop scams -- as they do with credit cards. 

On XXXX, XXXX, CitiBank did refund me for the fund, later on took back the money and stated they changed their minds, that they couldn't insure my money because the funds were used through XXXX and that there's nothing they can do I had continued depositing money as I kept submitting for new request to have the funds refunded back. 
Now my account has been closed because my account was negative due to this awful inconvenience.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Pursuant to 15 U.S.C. 1681 ( a ) ( XXXX ), Transunion is an elaborate mechanism that has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. 

With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with fraudulent hard inquiries, inaccurate personal information, billing errors, and accounts. Not only do these items not belong on my consumer report but more importantly, these items are in violation of several Fair Credit Reporting Act laws.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, I am writing this for myself on behalf of myself, any authorization you say you need consider it given. 

These incorrect accounts are still on my credit report, Violation of FCRA privacy to send out index cards.. 

I feel like you people at the CFPB arent doing your job, and or dont understand THE LAW. Your supposed to oversee these companies that violate my rights and protect me against them, and your not! Ive sent multiple complaints about this Same issue! Complaint ID : XXXX, I sent a whole 5 paragraph essay of how this company violated my rights, and you did nothing to follow through or investigate! 

Ill say it again.. 
No consent is considered identity theft, I didnt give anyone at XXXX XXXX XXXX or any other company permission to disclose my information, XXXX requesting proof of full disclosure agreement showing my signature giving permission for XXXX and these other companies to disclose my personal information with any 3rd party See attached, no consent is considered identity theft, transunion continues to let there robots respond to me and send me post cards which is another violation of my rights.. 

Im attaching another attempt for transunion to fix this issue.. 
maybe youll get a different response and not some robot

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 2018-06-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. 

XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 

1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 

2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager  I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. 

I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I XXXX XXXX was a victim of pressured sales tactics by a salesperson, I was promised that my personal information would be private and not exposed to the public at signing in XXXX Ohio at the XXXX XXXX car dealer, in desperate need for a vehicle to save my job I signed in XXXX later for the vehicle to break down for a damaged engine in XXXX causing me to lose my job. Afterwards harassed consistently by Credit Acceptance lender for Payment. I reviewed my credit just to also find that my rights have been violated According to the Fair Credit reporting Act 15 USC-1681 b section 602 A Which state, I have a right to privacy. I was very embarrassed and humiliated getting my Credit pulled by other resources. I also was violated according to Act 15 USC-1681 A section 604 A section 2 which also states a consumer reporting agency can not furnish an account without my written instructions. I wasn't aware of any Discrepancies with Credit Acceptance with other Borrowers throughout the nation. I was never informed by the dealer for other options, I too will also have to seek for legal actions concerning Credit Acceptance in the Unlawful practice between the dealer and lender. Please 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 2017-10-05
Company: ORG GC GP Buyer, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX  balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My auto loan company failed to advise me that the automatic payment withdrawal from my bank account wasn't posting to my account for 2 months ( XXXX & XX/XX/XXXX ). I received a letter from the auto loan company XX/XX/XXXX stating that my account continues to be in default. As soon as I was notified of this, I checked my bank account for accuracy, found out that my automatic recurring payment was only active for 6 months, did not receive any notice from my bank account either that my automatic recurring payment would be ending, but my bank has also changed names 2 times. My account is current, however, my credit score has been NEGATIVELY impacted due to this issue that could have been easily avoided with communication.

Company response to consumer: Closed with explanation