BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Diversified Adjustment Service, Inc.
State: IL
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:
There were accounts put in my name that dont belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I reported to XXXX to investigate 2 hard inquiries on my XXXX and Transunion credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score

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 2019-03-11
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who Diversified Consultants Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Diversified Consultants Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Diversified Consultants Inc as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ Diversified Consultants Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Diversified Consultants Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AES/PHEAA
State: NE
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:
I'm eligible for public service loan forgiveness and XXXX haven't credited me all the payments. They sent me a letter in XXXX of XXXX acknowledging I had been at a qualified employer from XXXX ( when I originated the refinance loan ) until present. They didn't credit me with any payments before XXXX, when the loan was transferred to them. Which meant they had not given me credit for all the payments. They said I had XXXX payments. I called and they said they'd start a review for the other payments. That was in XXXX of XXXX and the review is still not completed. In XXXX of XXXX I submitted an employment certification for XX/XX/XXXX - XX/XX/XXXX and submitted the PSLF application. They rejected the application saying I had only made XXXX qualifying payments, even though they had previously certified XXXX payments. I've called several times and they just say to wait. I've even submitted a credit report showing on time payments since XXXX to my student loan providers. They've already acknowledged that I was working for a qualified employer and yet they haven't processed the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a fi le with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXX XXXX after his XXXX  and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a XXXX said i needed to file an identity theft report which i did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cosigned a lease with my daughter in XXXX. She signed 2 subsequent leases in XXXX and XXXX, and the lessor did not ask for a co-signer. The lessor is XXXX XXXX XXXX XXXX XXXX. The lessor referred a debt associated with the XXXX lease for collection to National Credit Systems , Inc . The lessor says I am not responsible for the debt. We have provided National Credit Systems with copies of the leases and they continue to contact me for collection and they reported this as a debt owed to XXXX. I have filed a dispute with XXXX. Copies of the leases are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received a message from what I thought was Chime my banks account stating I was approved for a higher " spot me '' bonus which allows you to overdraft for free, I clicked on the link and entered my login credentials only to find out out it was a scam,. 

XX/XX/XXXX I received my unemployment direct deposit for XXXX $ from the previous 2 weeks into my bank account while I was starting a new job and I was in the car with my new boss and a transfer I did not authorize took place to a person named " XXXX XXXX '' in the amountnof XXXX $ on XXXX XXXX 2020. I immediately contacted the bank and told them I wanted to dispute the transaction as I had not given authorization for that nor did I transfer the money to this person, I also was on the phone with a customer service representative and he was watching transactions for a website ive never been on in my life take place called XXXX, I immediately started a dispute and a investigation and was returned with an email on XX/XX/2020 stating during their investigation they found NO error in the transaction which is false because I offered the photos of the emails I received from a scam email that was labeled as my bank and they refuse to give me my money back or open a new investigation. I did not authorize this transfer of these funds and I did not authorize thisnperson access to transfer these funds, I am receiving 0 help from the Chime banking institution and I have emailed the CEO and Owmer but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2018-11-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 a check was filled out using my name and checking account information in the amount of XXXX in the last name XXXX and was mobile deposited into a XXXX XXXX account. My bank TD Bank was not authorized to RELEASE these funds because the check was bogus and the name didn't match my name used on my checks. This is the 4th time my account has been compromised and I should of switched banks years ago! I'm told now that I will have to wait a total of 100 Days to be reimbursed. This is not my problem and the bank should give me a provision credit but is refusing to do so! I live pay check to pay check so this truly is affecting my family not being able to pay our rent! instead I paid someone else rent? 
Please help Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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: Reporting company used your report improperly

Complaint:
15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea what this is for. Have not received any information about what its for from Phoenix financial or who is listed as an original creditor. How is this allowed to effect my credit when I HAVE NO IDEA WHAT IT IS. Says XXXX XXXX XXXX XXXX?? I have not been treated there in years. Is this for my adult daughter who may have been treated there and you somehow attributed it to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX CA XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXXbut the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX home designed credit card ) placed on my consumer report by XXXX, XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

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 2020-12-02
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX was contacted by me to find out their charges for credit card terminal services. They have collected information from me, HAVE NEVER sent me any terminal, have never provided ANY service to me, and WITHOUT MY PERMISSION OR AUTHORIZATION HAVE WITHDRAWN MONEY FROM MY BUSINESS ANK ACCOUNT. 
My investigation with my bank has revealed this : XXXX XXXX XXXX, XXXX # XXXX, has withdrawn from my bank account {$300.00} for equipment purchases, re-programming fees, gateway fees, virtual terminal transaction, website design, logo design and shipping. 
HOWEVER, I have NEVER signed a contract with them - i had merely filled a form requesting their services, AND ONCE I HAVE FOUND THEIR CHARGES I HAVE IMMEDIATELY NOTIFIED THEM THAT I DO NOT WANT THEIR SERVICES I have NEVER received from them ANY equipment, terminal or services. 
I have never given them ANY permission to withdraw money directly from my account. Rather, if anything, as the potential FUTURE credit card terminal service company I was considering using - I provided on their service application form the details of my bank account in order for them to DEPOSIT collections directly there. I HAVE NEVER AUTHORIZED THEIR PRESENTING TO MY BANK AN ACH AUTHORIZATION before a contract could be signed between us They have never shipped to me ANY product. Their billing me for shipping : {$48.00} is an illegal charge based on FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone had purchased computers from me and sent me {$10000.00} via PayPal on XX/XX/2018 but used an XXXX card as a funding source. On XX/XX/2018, the buyer disputed the transaction claiming " Item Not Delivered ''. The {$10000.00} was removed from my PayPal account on XX/XX/2018. This buyer was an acquaintance thus no receipt was ever generated. He can not prove how many machines he purchased. I have pictures of all the machines he purchased in his basement. I personally delivered them to his house and set them up. I am supposed to be innocent until proven guilty. Instead what happened was I was guilty and because I don't have a bill of sale, the only proof I have of the items being delivered in full is the pictures of the items in his basement. I can describe the inside of his house as well as his basement where I set them up perfectly. I am willing to sign an affidavit to back up my statement that I 100 % delivered each and every machine he paid for. PayPal failed to perform any type of investigation on the matter and instead simply let XXXX pull the funds from my account. I am disputing this charge back on the grounds that I delivered each and every machine he had paid for on XX/XX/2018 when I drove them to his house at XXXX XXXX XXXX XXXX MD XXXX. Case ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
1st Progress failed to send monthly statements for several months and then reported late payments. When I contacted them to get it straightened out they could not verify that statements were ever sent out. when they reported late payments my credit score went from XXXX to XXXX over night. Prior to this we has excellent credit. No late payments, no exceptions. 

Please se to it that these folks admit their mistake and correct my credit file restoring my good name and good credit. if you check my history you will see how hard I worked to build an excellent status in my credit file. we pay all our bills on time. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
To whom it May Concern : I have reached out to my credit card company ( Capital One ) to resolve an incorrect reporting to the credit reporting agencies. In XXXX, XXXX, and XXXX of 2017, there are 30 day late payments reported. I have submitted proof that the minimum payment amounts were drafted out of my bank account and credited to my account at Capital One, but they didn't respond to the Credit Reporting Agency ( XXXX XXXX ) and the dispute was completed without a change. I have also reached out to Capital One, mailed my proof and never heard a response. 
I feel frustrated and need your help

Company response to consumer: Closed with explanation