BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
It has come to my attention that XXXX XXXX  XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/Natural Person. Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place.

The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act.

I shouldve been provided an Opt Out form in accordance with the GLBA 15 USC 6802 ( b ) for my Non Public Personal Information youre transmitting with non affiliated third parties.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all reporting collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. 

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ).

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account from ChexSystem Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

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 2022-02-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
money market and checking acocunt opened in my name I did not open these accounts TD Bank Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 there were XXXX unauthorized transactions to XXXX XXXX XXXX from my account ( Account No XXXX, {$8300.00} ) and from my family joint account ( Account No ***********, {$3000.00} ). 

On XX/XX/2021, I filed a claim ( Claim No : XXXX ) by calling Citibank to dispute the unauthorized transaction on XX/XX/2021 and requested to block any transaction from my account to XXXXXXXX XXXX  XXXX. At the same time I requested to close the account to prevent future unauthorized transactions. I was told that my account was disabled and a new ATM card would be mailed to me. 

I have been calling Citibank numerous times to request Citibank to do a thorough investigation. I mailed XXXX times documents per Citibank request. However, Citibank never did a thorough investigation, instead, Citibank denied my claims and appeals by " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the bill payment ''. 

I requested Citibank to provide the documents that were used for investigation such as the " established devices '', " consistently paid ''. Citibank never provided them. 

As a Citibank customer I am very disappointed with Citibank 's service and security : XXXX. The IP address used to make these transactions are not my computer IP address. I only use my computer to do online banking. Which clearly shows that it is not me that made these transactions. Citibank couldn't alert the unrecognized device. 
XXXX. There was an unrecognized phone number on my checking account contact information. Apparently someone else accessed my account and edited the contact information and add XXXX XXXX XXXX as Payee. Citibank online banking platform is not secure which put all Citibank customers on risk. 
XXXX. Why Citibank couldn't prevent the further fraud after I reported the first fraud? 
XXXX. There was never any payment to XXXX XXXX XXXX before XX/XX/2021 which disputes Citibank 's " consistently paid ''. 

Therefore, I filed this complaint to urge Citibank to take action to protect customer 's financial security.

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 2023-03-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/23 XXXX sent an email requesting additional information regarding my XXXX XXXX Form. This form was sent to the XXXX last fall. On XX/XX/23 I responded that you are XXXX XXXX ( XXXX denies XXXX even though they share a phone number ). I asked how they obtained the form. The response was " based on the paper application imaged was a fax copy seemed to from my phone # ''. I then asked if the XXXX XXXX Form came from XXXX the XXXX? 

On XX/XX/23 I received an email from XXXX requesting additional information. I responded with the same question " Did the XXXX XXXX XXXX came from XXXX the XXXX? I received a response on XX/XX/23 from XXXX XXXX stating " I could not tell who sent us the application. The servicer listed is XXXX ECSI ''. XXXX XXXX then offered to cancel which I accepted. 

My scanner is not working, I will gladly forward these emails. I believe this incident to be a scam that could potentially cause great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23, I submitted a {$40.00} payment to Indigo XXXX acct on a balance of {$300.00}. The payment was applied and the current balance is {$260.00}. However, the available credit remained at - {$5.00}. After applying the payment there should be an available credit amount. 
Approximately, XX/XX/23, I inquired about the available credit remaining at - {$5.00}. It was very difficult to understand the agent but I was able to decipher something about 15 days. 
At this time, XX/XX/23, this remains at negative {$5.00}. Also, account provided an overlimit would be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I woke up on XX/XX/XXXX to two new inquiries on my TransunionXXXX  credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXX XXXX on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.

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 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made purchases for Mn XXXX XXXX Tickets on the XX/XX/XXXX and XX/XX/XXXX. The total of these purchases was {$3100.00}. 
Per the terms I should earn 2 points per {$1.00} on XXXX and Team Purchases. This is eligble on XXXX Tickets. 
Per the terms I should get 0 % APR for 6 months on my XXXX Ticket purchases from any participating XXXX team ticket office. 
When purchasing MN XXXX tickets this is the site ( XXXX ) that the team uses. Ive had this issue in the past and every time have to file a complaint or try get in touch with someone else to remove the finance charges on my account and get my double rewards. Its getting very frustrating. 

Id like assistance removing the finance charges from my account, and awarding me the double points on my account. 

I did write to the company they opened up a case for me XXXX but Ive gotten a denial letter in the mail. 

Ironically my brother ( XXXX XXXX ) has a this same XXXX XXXX Reward XXXX visa card. Did a complaint as well through their company ... And they APPROVED his! But 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 2021-02-03
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. XXXX, Equifax, and XXXX  continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, XXXX, and Equifax have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

1. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE Child Support Case Number : XXXX Please remove this 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been have issues with XXXX/ Loancare since they purchased my mortgage. They have now miss applied my payments 2 times. The last payment was for XXXX and XXXX. I payed {$960.00} it included two month mortgage payments, an escrow payment, and a late fee. They some how miss applied everything and the Loancare is saying I'm paid through until XXXX and my escrow balance is XXXX up! Also, they continue to over pay house insurance company and I get a check returned from for loancares over payment and then I get a bill from Loancare saying my escrow account is deficient. XXXX/LoanCare is a joke when I call takes me 1 hr. to navigate their automated XXXX I'm ready to refinance my loan just to get my loan out of this service providers hands! I was a previous Bank Examiner, how can this company still operate!

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 2023-08-30
Company: Porsche Financial Services, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I did a 1099 A form that was approved by the IRS on the XX/XX/. It was mailed to the company. They havent updated my account to paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account/routing # for my Chase account was comprised by a screenshot I had on my phone of that information + the exact amount that was in my account {$78.00}. I called Chase + explained it + asked them to close the account. This was Saturday. They said they couldnt do ANYTHING for me until the branch opened on Monday. {$75.00} then left my account via XXXX. I then called up again, explained agin what happened + how this was there fault for not being able to close accounts over the phone when asked. How could that be real? Anyway, I went into a branch, spent two hours with a manager filing a claim. I signed a paper + faxed it into fraud. He let me know that XXXX was backed by Chase + due to the nature of my claim ( as well as all the previous telephone conversations they must have of me ) that it would be 100 % reversed + put into my new account that I had to open! Now I am being told that XXXX rejected the claim as they do not provide buyer protection???? XXXX. Please help me. This is ridiculous! Its totally Chases fault too. They shouldnt have 100 % promised something if they knew that XXXX is trash, an actual scam in itself, and doesnt offer any type of buyer protection like XXXX does. I will never be using XXXX again, and very disgusted with Chase as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company did not give enough documentary evidence to verify for this alleged debt from complaint XXXX. I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account. I want a full audit trail and not an altered contract like the one you sent pursuant to 12 USC 5562 ( c ) ( 10 ). AD ASTRA still can not produce a contract between me XXXX XXXX XXXX and AD ASTRA. In the state of Illinois AD ASTRA is on probation and can not collect. Expect a complaint from the Illinois Attorney General 's Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem getting your free annual credit report

Complaint:
I need help with getting my Annual credit report. I need them from all three companies : Tran union XXXX. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.

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 2023-06-08
Company: ThunderRoad Financial, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Thunder Road Financial they have said I received a loan from them as the retail installment contract states reveals. Upon information and belief, there is no proof of Thunder Road financial being a lender in my Retail Installment Contract. Upon further investigating Thunder Road Financial is in violation of FDCPA for being a debt collector and using 15 usc 1692fUnfair Practices to try and collect a debt not owed.As well as 15 USC 1692d, e, and g. 
Thunder Road has no merit in this contract as this retail installment contract has no signature or mention of thunder road financial on it. I have asked Thunder Road Financial to provide me with debt validation as through UCC9-210 states : 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. 
( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.

( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request. 

( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction. 

Thunder Road Financial is in numerous violations and attempting to collect a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Chime Financial Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
received a Chime credit card in mail with my name. Never opened the card. 

I called chime at XXXX and had to email them at XXXX to report fraud and close account. Waiting for response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried calling them to request a settlement after they call me and leave voicemails daily and they hung up on me.

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 2023-12-08
Company: Avant Holding Company, Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the avant credit card via XXXX recommendation based solely on the advertisement of 6 months of on time payment history and you would get a credit line increase. I signed up in XXXX and have made more than one payment every month since, all on time and more than minimum. I then requested a credit line increase and was denied. I called to complain they said they took note and did not honor the advertisement.

Company response to consumer: Closed with explanation