BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: FinCo Services Inc DBA Current
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a card with Current for about 2 years and received regular direct deposits to the card account. In XX/XX/XXXX, Current decided to close my account without warning or notice. When asked why the account was closed, I was provided a generic explanation and referred to their policy page. The account was closed with pending deposits expected to the account prior to closing. 

My federal and state refunds were scheduled to be deposited to the account. On XX/XX/XXXX my state refund was deposited to the account. My federal return had been delayed due to an IRS review of my return. On XX/XX/XXXX, the deposit was made to the account I had with Current. Attempts were made to change the direct deposit information with my tax preparer and the IRS. I was told I would need to contact the receiving bank once the refund was sent. 

I contacted current on XX/XX/XXXX to inform them the deposit was being sent. Because the account was closed, I wanted to know how the deposit would be handled. I was informed the deposit would be rejected and returned to the originator. On the date the deposit was sent, I contacted current again and asked if it had been received. I was told they did not have my refund. 

Over the next 10 days, I continued to contact both Current and my tax preparer to determine where my funds were. Current continually denied receipt of the refund. Since no one was admitting to having the money, my tax preparer investigated and informed me the refund was sent to Current and provided a trace number. 

Only after informing Current of my possession of the trace id and filing a police report did they admit to having received my money on XX/XX/XXXX. When I asked why the refund had not been returned to the originator as I was told, Current then tried to ACH the funds to an external account that was linked to my now closed Current account. 

I informed them this was against both their own company policy and banking regulations, They then asked me for new direct deposit information, which I provided, only to tell me they would not be able to ACH my refund since the account was not linked to the Current account at the time of closing. 

As Current and its affiliates were willing to violate policy at their own whim, I asked why now is it so critical to follow policy when they had blatantly disregarded it during the handling of my refund. I was ignored and told a check would be sent. According to Current, my check was supposedly sent on XX/XX/XXXX, As of XX/XX/XXXX, I still do not have my funds, When attempting to call Current, somehow, my DOB is now not matching even though my drivers license was provided and accepted as identification. They have illegally held my funds and refuse to give any further information on my missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Attempted to resolve the ongoing issue with USAA by Arbitration per user agreement, however, unable to serve and their registered agent claiming they are not authorized to do business in the State of Washington.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

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 2020-09-11
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection with this company that dates from XXXX, from a broken lease with the apartment complex. Upon moving from this complex, I did not receive a move out statement. Regardless, this went into collections with IQ international Data. I have called a couple of times to discuss this debt, however, each time I have been told that I am being charged interest on the debt. On XX/XX/XXXX, I spoke with an agent who explained to me that I am being charge a 6 % fee per annum. She read out the move out statement. I asked for this to be sent to me. I also questioned the interest being charged as I have never heard of something like this, and it just did not " seem right '' when I did not sign anything which made me aware of this interest, nor is this anything normal in tenant practice and was not within the lease agreement. The agent informed me that she was not sure as she is not from Texas. I understood, but asked to be sent some sort of proof of contract stating that I was aware of the interest being charged. She stated she does not have any contract stating such. I informed the agent I would have to contact someone regarding this issue as I never signed a contract agreeing to such things. I believe that the interest being charged is a violation of Texas Finance Code 392.303. which states that a debt collector may not use unfair or unconscionable means that employ collecting or attempting to collect interest or a charge, fee or expense incidental to the obligation unless the interest or incidental charge, fee or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. The company is unable to produce a signed contract which would prove that was made aware of such interest being charged to any balance owed to the original debtor if the term of the contract was not honored. Since they are not able to produce such proof, I am inclined to question where they are gathering that they have the legal right to charge such interest on a debt that is owed and has been placed into collections. In addition, I question if they have the legal right to charge on this debt until the amount is paid. This debt was not given as a " credit '' nor was I made aware upon contract signature of any interest being owed under the tenant contract. I am inclined to believe that the company is illegally charging interest without cause or justification and are reporting it on my credit monthly in order to coax me into paying for the debt. The amount being owed on my credit is not the original charge off amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-03-13
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Applied online for an installment loan and went to Cash Store in XXXX, TX with reference number provided. Provided my paperwork and gave my social security number. That claimed another customer has that number in their system and needed to see my social card, I did not have it with me. I came back the next business day and provided my social security card. The lady behind the counter took a copy of my card, DL, took my documents and stated she would contact me once she hears from corporate which could take until Monday for an approval. This was on a Friday. I never received a call back and was never told anything about the investigation of someone else having my social in their system.

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 2020-09-11
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX, I received my bank card for Chime bank and called to activate my card. Chime is not safe at all nor do they adhere to FDIC regulations. There needs to be justice for me, to say the least. I have submitted multiple police reports : Incident # XXXX from XX/XX/XXXX ( the day I filed the dispute that was denied and the same day the {$920.00} unauthorized XXXX XXXX went through ). I was on the line with the dispute department when they told me that {$8400.00} was withdrawn from my account which was unauthorized. I filed a dispute on XX/XX/XXXX and on the exact same day I filed a dispute, Chime let another {$920.00} be withdrawn from my account by the same person who hacked my Chime account even though I called and verified my identity with Chime over the phone and spent about an hour on the phone with them going over all the unauthorized charges on my account. These charges include but are not limited to : XX/XX/XXXX XXXX {$920.00} to affluent {$35.00} XXXX to XXXX  XX/XX/XXXX XXXX $ XXXX they definitely need to investigate this charge. 
XX/XX/XXXX XXXX {$500.00} to XXXX  XX/XX/XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX   : XXXX {$560.00} -- This one I proceeded to call XXXX to investigate and they gave me an address in XXXX XXXX , Florida where this package was fraudulently sent using my card info and billing address. 
XX/XX/XXXX XXXXXXXX XXXX {$1600.00} - No idea how I could have a physical card in my possession and this charge could have gone through. 
XX/XX/XXXX XXXX {$70.00} and {$85.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX $ XXXX This is a very important charge because they would've needed to link a driver 's license to this app in order to book a room with XXXX and Chime looked over this information. 
XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$200.00} $ XXXX I have been trying to find the identity of who used my card on XXXX XXXX  to find the culprit but Chime has done nothing and refused to communicate with me because my email was hacked. Banks without actual live XXXX phone support or actual bank tellers shouldn't be legal. Chime is owned by XXXX and they aren't even a real bank. All that the frauds had to do was hack into my chime app and then they had access to all of my funds without my knowledge. Chime still owes me the {$920.00} remaining in my account that was supposed to mailed via check last month ( haven't received anything ). They refuse to recognize my email was hacked and they refuse to send or mail any supporting documentation as to why they denied my dispute that was obviously not me. I was in Arizona when these charges occurred and I have provided my flight ticket.Chime Bank has refused service and deserves to be sued. I have all the documentation. I am just collecting my information at this point in order to get the most retributionas possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: NAVY FEDERAL CREDIT UNION
State: CT
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 was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX Charged OFF my credit card account on XX/XX/XXXX after I had negotiated a settlement. XXXX XXXX XXXX Continues to Report the account delinquent on my credit reports 7 + Years after I settled this account for less than full balance.XXXX XXXX XXXX Refuses to discuss this account and referred me to XXXX XXXX. After Contacting XXXX XXXX I was advised that they had referred this account to an attorney in XX/XX/XXXX ( 6 years and 11 months after the initial charge off ). The Attorney returned the account to XXXX XXXX and XXXX XXXX has No knowledge of the status but they will reassign the account to someone else in the next 5 to 10 days. XXXX XXXX XXXX Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was XX/XX/XXXX/ We attempted to resolve this account years ago but XXXX XXXX XXXX  was Not interested. The Original dispute Involved XXXX XXXX XXXX Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away

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 2019-06-10
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with Medicredit. I do not have a signed contract or a verbal agreement with this company. They are in violation of the FDCPA ( Fair Debt Collection Practices Act ). Medicredit is using the means of the US Postal service to fraud me out of money and I will be forced to notify the postal inspectors. This is extortion.

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 2017-12-20
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX, amount for {$2600.00}. I have sent XXXX XXXX XXXX, XXXX a debt validation on XX/XX/XXXX and XXXX XXXX XXXX, XXXX did not respond to my demand. I then received a court letter from Lustig Glaser and Wilson, P.C. stating I was being sued. I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i went to emergency room and was given a perscriptin for ibuprofen, they never gave me any options on test, how much test would be or asked me to sign giving my signature for tests. the actually did nothing and sent me home. i later got a bill, told them i was unable to pay that much, i never heard back til i got the collections, These actions by XXXX XXXX XXXX was a violation of " balance billing '' under the NO SUPRISE ACT. MY RIGHTS WERE VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- The XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX 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 written instructions. 

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: CO
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:
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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: Account information incorrect

Complaint:
On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

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 2022-11-16
Company: EQUIFAX, INC.
State: IL
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:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and saw a late payment on the date below : XX/XX/2018 I am not sure how this has happened. I believe I made my payments to you when I got my statements. My only thought is that it must have gotten lost in the mail.

Company response to consumer: Closed with explanation