BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Transunion on many occasions concerning XXXX XXXX yet TU claims to have verified a fraudulent account. 
Because I dont know a lot about my rights and you putting inaccurate accounts onto my credit file, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that an account that is a result of identity theft can be verified. I have informed you that the account with XXXX XXXX  is a result of identity theft even sent you all required information. Please review and delete from my credit file immediately.

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 2020-08-19
Company: Professional Debt Mediation, 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:
THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchase two airline tickets from XXXX XXXX using my Chase Sapphire card. On XX/XX/XXXX we contacted XXXX XXXX to cancel our flights due to the virus. They issued us two email ( attached ) authorizing a refund. The emails stated that it would take up to two billing cycles to see the credit on my credit card. I waited until XX/XX/XXXX to contact Chase about the refund and received a generic answer that did not apply to my question. I have continued to reach out to Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive a valid answer to my inquiry other than we will get back to you responses. At this time I dont  believe I have any other course of action than to file a complaint against Chase for their untimely crediting of my credit card issued by XXXX XXXX. I have spoken with XXXX XXXX XX/XX/XXXX just to confirm their authorization of a credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have contacted all the Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX, XXXX Auto, XXXX/XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2018-11-16
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection attempt from a company Receivables Performance. I have not received any notification in writing or by phone that they are trying to collect a debt from me. The amount is {$770.00} and was opened XX/XX/2018.

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 2020-08-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bought a vehicle and contacted Synchrony Bank and did a {$4500.00} wore transfer while I was at the dealership. I get home and find out not only did Synchrony cancel my transfer ( which now puts me in danger of losing not only my car but the financing ) they also have completely restricted me from accessing ANY of my money. Not one person from multiple calls would tell me why. I verified all my info, nothing was fraudulent, and they are putting mine and my children 's livelihood at stake for no acceptable reason.

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 2021-10-18
Company: EQUIFAX, INC.
State: NJ
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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:
This account is fraudulent XXXX {$150.00}

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 explanation
Consumer complaint received 2020-04-27
Company: Global Lending Services LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In the face of a global pandemic my auto finance company is the only company trying to charge daily late fees. My job is new and Im playing catch up with everything. The payment they are adding fees to is in the mail and they should have it soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mymonthlyleaseis{$280.00}.Ihavealwayspaiditontimeandhaveneverbeenlate.InXXXX,2019Iaccidentallypaid{$280.00}-soIshortedmypaymentbyXXXXcents.IdidnoticethatIshortedonwhenIwenttopayXXXXandmadeupthedifference.JusttwoweeksagoIgotacallfromtheleasecompanyindicatingIhadbeenreportedtothecreditbureaufortheXXXXerror.Ifollowedupwithacallbacktotheleasecompanyandwhiletheywereapologeticandcouldseetheissue,theysaidthattheirsystemautomaticallynotifiesthecreditbureauifthepaymentreceivedwasnotthepaymentdueandthatandthattheycan'tpullitback.Theyinstructedmetofilethiscomplaintwithyou.IamaskingthatthisXXXXerrorberemovedfrommycreditreports.IhaveattachedacopyofthepaymentstothemandhighlightedinyellowtheissuesoyoucanseewhatoccurredinXXXXandthenXXXXonewhereImadeupthedifference.IcanbereachedatXXXXorXXXXtodiscuss.TheleasecompanyisXXXXXXXX.ThepersonIspoketoatXXXXattheirXXXXoffice.

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 2021-04-13
Company: CFS Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the total balance of {$4000.00} to Dignifi formerly Confident Financial Solutions via electronic transfer from XXXX using the same account number but Dignifi sent another bill that they did not receive my payment charging me late fee and their customer Rep told me that they're not affiliated with Confident Financial Solutions with instructions to get my payment from Confident Financial Solutions and pay Dignifi using the same account number. Many times attempted to call Confident Financial Solutions but it transfers and brings me back to Dignifi company ... so where did my payment of {$4000.00} go then? Please help me get my money back and find out if Dignifi formerly Confident Financial Solutions still even exist. Thank you and may XXXX help and bless you and your good office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried the CreditKarma website to check my credit scores. They do not use the same scoring formula used as the 3 credit reporting agencies. My credit score is not accurate with them and gives people false hopes to apply for credit to learn that their score is way lower than what they show. They always list recommendations for your score to apply for certain credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: VA
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 just checked my Experian credit report, I the XXXX 's account is still being reported as a charge-off. This account should have been changed weeks ago. 

On XX/XX/XXXX, I received an updated copy of my XXXX  credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to XXXX XXXX  to advising them of the error. When I looked at the results the XXXX  stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did XXXX  verify something that XXXX had already agreed to correct after the XX/XX/XXXX letter. I called XXXX XXXX  on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. I feel like I am being jerked around and rights are being violated by 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 2020-04-29
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold a guitar and issued an invoice through PayPal, which was promptly paid by the client. What PayPal didn't tell me was how their fee structure worked at any point during the invoicing process. I figured I would get some kind of breakdown if any fees were to be involved. I'm sure it was buried in the terms and conditions somewhere. I issue and invoice for {$1800.00} and boom, {$79.00} in fees. I'm somewhat upset, but I can deal with it. PayPal stated up front that it would take up to 21 days for my funds to be available, unless I provided them with tracking information. Upon XXXX delivery I'm supposed to get my funds within 1 day. I don't know about PayPal world, but on planet Earth, 1 day = 24 hours. 24 hours after confirmed delivery by XXXX  and my funds are still on hold. No humans to talk to on the robot phone line. Sitting in an online support chat window that states " The estimated response time is a few hours. '' I'm sitting here wondering, what the heck did I pay {$79.00} for? There's no service available to respond to what feels like a real issue. The federal government sent me a check for {$2900.00} in stimulus money for having three pulses in the house, but I can't get PayPal to deposit money in my bank account for doing ACTUAL WORK. Other consumers need to be aware ... I'm sure PayPal is busy figuring out how to scrape the maximum amount of interest off of an interest free loan from an ordinary consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a CashApp account. It is linked to my XXXX Bank account. I also have a bank account at XXXX XXXX XXXX XXXX XXXX. From time to time I would link my XXXX account to CashApp the last time being XX/XX/XXXX. 

Two unauthorized transfers showed up on my XXXX XXXX  account statement ( the one NOT linked to CashApp ). On XX/XX/XXXX, I noticed a transaction for {$60.00} which led me to investigate. I then found another transaction had been completed on XX/XX/XXXX, for {$25.00}. Both transactions appear as if I had transferred money from one account to another account in my own name. I did neither. The transfers were not initiated by me. The funds were not received by me. Again, I hadn't had the CashApp platform linked to the XXXX account since last XXXX. 

I immediately contacted the company CashApp by email ( there is no phone number ). I also contacted XXXX and canceled the debit card and requested a refund. I exchanged emails with CashApp for 2 days asking where this money went. Completely missing the point they insisted that I should put additional security measures on my account ( the one linked to XXXX XXXX  ). The XXXX XXXX/CashApp is not the problem. The problem is that someone used their platform to create a phony profile in my name, somehow linked my ( Launch ) debit card to it and stole money. It had nothing to do with the XXXX XXXX  CashApp or a lack of security on it. 

They refused to give me any information and instead continued to cite privacy regulations. This makes no sense - I should be able to know where a transaction that was allegedly initiated by me was directed. I have yet not been refunded by XXXX. CashApp doesn't seem to understand the huge hole in their platform 's protocols. 

It is entirely too easy for someone to set up an account in anyone 's name, get access to their debit card ( easily done if someone is shopping ), and then siphon off funds to that phony account making it look like a victim sent money to his/herself. It's completely untraceable and CashApp takes no responsibility expecting that the credit card company will reimburse. 

This should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: ALLY FINANCIAL INC.
State: CO
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:
Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XXXX and XXXX as XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with XXXX  and Ally financial. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.

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 2020-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I transferred funds from a XXXX XXXX  into HSBC in order to open a new savings account. HSBC took my funds of over {$10000.00} then denied me access to view my account online and denied me access to my funds. 

After contacting HSBC to seek resolution I was repeatedly asked for additional information about myself to verify my identity. Once I fulfilled their request they continued to deny access to my funds or viewing my acct online. HSBC continued to ask for more and more information. At that point I requested to close my account and return my funds. I had to ask FIVE ( 5 ) times before I was verbally told they would do this. I have no confirmation they are closing my account nor returning my funds. 

At one point I was told to contact XXXX  regarding a " fraud alert ''. XXXX  had that alert removed off my acct. On another call to HSBC they told me to call XXXX  and ask for information. This went on and on resulting is no ability to view my account nor access my funds. I remain unable to view or access my funds today I have attached a screen shot of my XXXX  dashboard showing I have no Freeze or Fraud Alerts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My husband and I have been customers of Chase for decades. We have also had Chase credit cards for decades. We have NEVER been late paying our monthly balance. This past month, we sent in our payment as usual, as soon as we got our bill. Because of the US Mail, which has been decimated by Covid-19, apparently Chase did not get our payment before the due date, or at least it claims it did not. 
It therefore charged us {$28.00} in fees and {$30.00} in interest. 
We feel this is outrageous profiteering from Covid-19 and will not pay either the interest or the fees. 

The interest and fees were imposed on our payment for the month period ending XX/XX/20. 

We called the bank and it declined to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Very briefly, XXXX failed to reasonably investigate two disputes w.r.t credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by Bank of America, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b )  ( 6 ).

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX_cfpb_dispute.pdf '' ). I have also attached my original statement delivery instructions ( " bofa_paper.pdf '' ), and the original dispute to XXXX ( `` XXXX_dispute.pdf '' )

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