BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2018-04-02
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Diversified Consultants Inc has called my phone number 6 days week up to 2 times a day since XX/XX/2018. I have told them do not contact me by phone use the USPS for communication. The phone number that is begin called is someone else phone number. 
The last call I received was today Monday XX/XX/2018. This company claims that I owe XXXX XXXX XXXX amount that was never discussed this information came from the person whom holds this number they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: JPMORGAN CHASE & CO.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This moving company never provided the service for my move and i was still charged and when I dispute the charge with Chase bank they reversed it until today when I noticed they reversed the claim upon a fake documentation from the moving company falsely saying they completed services. 

This moving company never provided the required services for my move. When I called about the move, they stopped responding & didn't refund full amount. This company never provided the services required under the contract for my move in early XX/XX/XXXX. I paid the deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my calls and emails. I was able to reverse the charges and they sent paperwork to Chase Bank saying the services were rendered.There was no services fulfilled and I was still charged. But they reversed that claim today XX/XX/XXXX upon fake documentation of receiving services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I was mailed a USBankReliacard Visa Debit card out of the blue. After researching it a bit I activated it thinking I was either going to get COVID stimulus payment or just setting it up before I retire ( next year ). 

I received a deposit two days ago ( XX/XX/20 ) of {$480.00}. I thought that was weird. After doing more research I found out that it is for Unemployment Insurance for the state of Ohio. I live and am still working in New Jersey and have never applied for benefits. 

I called USBankReliacard and they canceled the card. 

Now I am reporting this to you as I believe my information has been compromised.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-02
Company: AES/PHEAA
State: MI
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 am struggling to make payments on my two loans who are being handled by XXXX. They are going into collections, working 1-3 days a week. Every one I try to talk to in customer service is incredibly rude and short with me. Not to mention I've been charged unreal amounts in interest. Today XXXX-18 I attempted to make a XXXX payment with a prepaid debit card because I do not have a checking account. Where I was told they do not accept these type of cards with their system. Now, I have to get a money order to mail to them in the mail. Which is only going to add more interest to my account in the meantime. I'm trying to make an effort to make payments, but no one wants to work with me or offer me other suggestions. I am also in the process of getting these loans consolidated through this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: D2 Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from XXXX threatening to have me arrested. They also called my daughter and my employer. The calls and messages were very threatening. They told me to call XXXX. When I called the number, I was told I was being sued and it was a debt from XXXX XXXX  XXXX. I had previously been called about this same debt by D2 management. 
When D2 management refused to send me proof of debt, I contacted the XXXX. The responses I got from the company were not satisfactory and very rude. It seems as though D2 management gave this debt to the company that called me today. Neither company can provide me written proof of debt. I called XXXX XXXX XXXX directly, and they informed me that I don't owe them anything. I don't know the name of the company that called me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On and around the XXXX of XXXX, my wife was scammed in a fraudulent XXXX scam ring to the tune of {$8500.00}. We contacted USAA because she deposited a check from a company and the funds showed up available after 2 days. Since the money actually posted in the black and showed as a positive in the account she took out the funds to pay what was called processing fees in order to collect her " winnings '' the day after she pulled the money out in the form of money orders, the money was then showing as never having been there. So after calling and speaking with several reps from USAA, they simply told us that there was nothing they could do and it was our fault for having 11 years of " good banking behavior ''. Meaning when we deposited the check, they assumed it was good and made the funds available. But then days later, the check we deposited bounced and they just put our account in the negative without a call or any form of correspondance. They simply told me the money wasnt real because the check bounced. My question to them was, if the money wasn't real when it was in my " hands '' ( account ), then how is it now real when they ( USAA ) want to charge me that money? and the incidental kick to the junk {$5.00} processing fee they tacked onto the {$8500.00} that " wasn't real ''. Again, the money wasn't real to me, but was to USAA, they got real money from my account with subsequent fees, for money they themselves told me wasnt real ... I am ok with losing my money that was in the account which was only a bit over {$2000.00}, we got scammed, I get it, and I'd gladly eat that amount in shame. I am not however ok with being scammed by my banking institution to the tune of a total of {$13000.00}. When USAA took the the XXXX ( account was over 11,000 before the wife took out XXXX ), it put my account at a negative XXXX, and in turn I had to take a personal loan of XXXX, just to get back in the positive, for incidental bills and costs. This is unacceptable to say the least. Best case scenario, I get my money back or at least USAA loses that " Fake money '' that they made available taken from them. OR something happens to where this doesnt happen to anyone else. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinancing my primary home with Interactive mortgage, they sent me a final statement stating I have second mortgage of {$5200.00} With Wells Fargo my mortgage company I have now. Interactive mortgage will not do the refinance unless I pay them that second off, So I called Wells Fargo to pay the amount I owe But they would not let me do it stating I would have to pay my entire first mortgage {$330000.00} Before I can pay off second of {$5200.00}. 
Which is UNFAIR, UNETHICAL and Fradulent! so they can keep my mortgage with them. 
Please help deal with them. 
Thank you, XXXX 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
Consumer complaint received 2018-02-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Receivables Performance Management, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : RPM EscalationsDepartmentIn reference to XXXX Account numberXXXX. Fortunately, after many hoursof investigation on my part, I have solved the quagmire. The actual account number Should XXXX, this is the account that belongs to me and the one I was led to believe I was settling when speaking with XXXX XXXX , with R.P.M. However, after speakingto a Miss. XXXX XXXX @ The Law Offices of XXXX XXXX, and identifyingthe WRONG account number, I contacted XXXX. It appears that the company that you represent applied my payment to a Company that has no affiliation to me.When I was transferred to RPM, I spoke to a gentleman by the name of XXXX XXXX, who verified My full name, Last four of my social, and the amount of {$730.00} then assured me that this payment was being applied to the balance of {$730.00} then he proceeded to take my payment.As you are aware, this has been causing me many days of hardship and pain. I have been running in circles talking to your company and three others trying to resolve this. I am looking to buy a home in the extremely near future, and as you can imagine, this is not helping. Hence, the anxiety, and undue apprehension this is causing as well as undue harm and anguish, I am exhausted. Because not only was I in fear that I was scammed for {$430.00}, but after talking to so many different people and being told so many different things.Then today XX/XX/2020 I was Informed by XXXX that the amount thatThe payment was applied to theWRONGaccount, and for me to fixthis I need to contact my financial organization to dispute the payment. I did not want to do that, so I did more investigating. While on the line with Miss. XXXX, we compared account numbers. the account number you applied my payment to is:XXXXon a compare and contrast with XXXX @ XXXX XXXX, MO call center , it came to our knowledge that the payment should have actually gone to account numberXXXX, the problem is, THE PAYMENT WAS APPLIED TO THE WRONG ACCOUNT. She then told me to call R.P.M. and request a refund, then once the refund is received, I am to call XXXX directly and make the payment.At this point I have so many questions, but I do not have the energy, nor do I care. I just want this fixed. 
In closing, this is what I need, please have your organization, either apply this payment to the correct account XXXX which XXXX XXXX falselyclaimed he represented, orhonor the settlement amount and apply it to the correct account and get it resolved. If none of those options are available, please refund the {$430.00}, so I can pay XXXX directly and resolve this matter. If you have a way of transferring this payment to XXXX, that will workas well.Please get back to me at your earliest.Sincerely, 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 2018-04-02
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from a company name " Fast Path Loans '' in the amount of {$600.00} by way of a check that was sent to me in the mail. After making several payments on the loan they are still stating the payoff amount of the loan to be around {$600.00} to pay it off because the interest is assessed at the beginning of the loan and made part of the initial loan amount even though I only received @ {$600.00} the say the initial loan amount was in excess of {$800.00} I know the nature of interest and fees and how they relate to a loan and this process has to be incorrect given the terminology used even though they " fully disclosed '' on the paperwork they sent me. The called it interest which is accrued over time where as fees can be almost anything that is added on to the loan at the beginning for purposes of you using their money I understand and I get it this company is just playing fast and lose w/terminology to make their loans not seem as bad as they are which is " unfair and deceptive ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I disputed a collection through XXXX  for IC Systems which is a collection agency for XXXX XXXX which was resolved on XX/XX/2020. I reported the issue as an unauthorized account opened in my name which was removed off my credit XX/XX/2020. Today which is XX/XX/2020 I received a phone call from I C Systems about a balance of {$110.00} which I informed them that the account wasnt mines that the address reported was actually my sister address who had the bill placed in my name. I was told to fill out a form which I attached to this statement and if I couldnt get a police report to report it to FTC.

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 2020-10-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.

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 2020-07-20
Company: EQUIFAX, INC.
State: FL
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 moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please tell me why Equifax scores my credit XXXX points lower than XXXX, is very slow at raising my score, and will drop my score by several points immediately if my balances rise on any of my accounts. Is Equifax paid to suppress people 's credit scores??? Who pays these people? This is a genuine problem and I am sure I am not the only one that this happens to ALL THE TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am issuing a complaint about fraud on my ATM card. I traveled to XXXX X/X/2017 to X/XX/2017. During my stay in XXXX my ATM debit card became missing. I did not realize this until X/XX/17 or X/XX/17. I reported the incident to Bank of America as soon as i discovered the card missing and checked my account and saw erroneous charges. The charges that I am disputing as fraud begin on X/XX/2017 and continue through X/XX/2017. I have charges totaling {$1200.00} plus fees of {$68.00}. I have tried to explain to Bank of America the situation, due to my heavy " XXXX '' accent I seem to not be understood. I am disputing these charges as I did not make them. I have asked Bank of America over and over again to review and have been denied. I feel insulted as the claim has been denied. I will testify as I did not make the charges and have written a letter to Bank Of America stating such as they asked. I do not understand why Bank of America does not believe my statement to be true. I am a person of good morals and believe that this claim has been handle unjust.

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 monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX Inquiry ( Bank ) XX/XX/XXXX XXXX Inquiry ( Finance ) XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried disputing the inaccurate information on my credit report. The information that is being reported is inaccurate and a violation of fair credit reporting. Please help with removing this item from my credit as I have tried working with creditor directly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen and I need a credit freeze for all credit bureaus listed : -XXXX  XXXXTransunion -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 non-monetary relief