BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: Phillips & Cohen Associates, Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A XXXX XXXX contacted our office and asked for ( head attorney ). I asked what is was in reference to, he said ( name of decedent ). ( Our office was indeed the law firm of record for the named decedent. ) I told him the attorney was unavailable and he left an ext. of XXXX and reference # XXXX. I identified myself and he pressed me for confidential details of the decedent : SSN, DoB, DoD etc. I told him I would not divulge any of that information and he became angry and combative. I told him to have a nice day and hung up. 

Abusive and intentionally vague to the point of being disingenuous ( and I'm being polite ). Someone not working in a law firm may not be familiar enough with their rights and be bullied into providing these cretins with confidential information. Worse, they could be forced into settlement with a creditor to the detriment of the probate estate and, quite possibly, unintentionally breach their fiduciary duty to the beneficiaries of the decedent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Firstsource Business Process Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX / First Source Advantage is calling my phone number. After researching the number I learned that this collection agency will call friends and relatives and discuss personal business against federal law. This letter serves as notice that THIS IS NOT VALIDATION OR VERIFICATION OF A DEBT. All calls to XXXX must cease immediately. No contact whatsoever. No further information will be given.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I previously purchased 2 nightstands from Rooms to Go ( RTG ) using my Rooms to Go charge card. 1 nightstand was defective. RTG agreed to replace the defective nightstand under the warranty at no charge. 

I received a delivery email on XX/XX/2021 that stated 2 nightstands were ordered, not 1 nightstand, and were scheduled for delivery. This prompted me to review my RTG credit card. I discovered a charge for {$420.00} for 2 nightstands. The order number is : XXXX. 

I immediately called RTG Internet Sales on XX/XX/2021 and spoke with XXXX. XXXX stated 2 nightstands were ordered and were being delivered. He also confirmed I was being charged for 2 nightstands. I explained that I was supposed to receive 1 nightstand as a replacement for a defective nightstand and the nightstand was supposed to be replaced at no charge. XXXX researched the issue and confirmed that I was correct. 

That said, he stated they would not issue a refund until the items were delivered, rejected and then returned to the warehouse. I repeatedly explained that the onus should not be on me to have to wait on items that I did not order to be delivered, then have to reject them, and then have to wait until RTG received them back before they would correct the order and remove the charge. I repeatedly requested to speak with a supervisor but was not transferred to one. I called back and spoke with XXXX again, who stated there were no supervisors available and he restated that RTG would not refund or adjust the order at this time. 

RTG placed an unauthorized order under my name ( by ordering a second nightstand ), placed an unauthorized charge on my card ( by charging me for the second nightstand ), and refuses to resolve the issue until an item I never ordered or authorized to be ordered arrives and then is returned by me. Attempts to resolve the issue have been unsuccessful.

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 2018-01-18
Company: Experian Information Solutions Inc.
State: CA
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:
Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : XXXX XXXX I - XX/XX/XXXX Experian : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX I XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.

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 2022-08-13
Company: FinCo Services Inc DBA Current
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with Current Bank. Ive had the account as my sole and only bank account for last two and a half years with no issue. Until someone fraudulently gained access to my account on XX/XX/22 and drained what was in it, and knocked it into the negative. They changed all of account information to their own, locked me out of my account, moved my money from my savings to my checking, and made two transactions at XXXX, ( {$320.00} & {$100.00} ) and XXXX XXXX {$15.00} ) in a city that Ive never been to in Florida. I live in XXXX XXXX, MO. The bank, ( Current ) had to change all of my information back to my own, and get me back into my account. They have all of the persons information that did this, including their email address and the home address, and phone number. None of the charges are indicative of my usual spending habits, nor were they made in the city and state that I live in. I gave them information from the merchant and other corresponding evidence for the fraudulent charges and they closed the dispute in nine days, stating that I had no grounds for a dispute. Current did not do any type of investigating and they didnt lock my account because the hacker ( s ) still had access to it And added my new card under their XXXX XXXX I let the bank know this and they did nothing to protect me. They have no phone number to reach them at, you can only leave voice messages and pray that someone gets back to you. They have stopped responding altogether since the dispute was deemed invalid and wont answer any correspondence from me at all. Ive reached out to their parent bank, XXXX XXXX and they sent me over to Current so again, said there is nothing they do besides an appeal. But when I inquired about the appeal information they stopped responding. That was four days ago and Ive heard nothing from them. Ive reached out to the XXXX  as well too investigate their business practices as a whole. I just want help and to be treated like a human being. I live paycheck to paycheck and those events put me back drastically. Its very insulting that after all of that, the bank added another layer of insult and refuses to acknowledge the fraud, in the face of irrefutable evidence, and return my monies that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I filed bankruptcy 7 years ago and experian and other creditors are giving me a bad report these are incorrect and it's giving me a low score I owe nothing but my mortgage and 2 credits complies which I have never been late on these creditors need to update my profile or I will contact OIG and fair Act Crediors.Experian and XXXX are giving me wrong times dates I owe nothing never been late ....

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 2018-01-18
Company: Meridian ARG Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was left a message on my voicemail from XXXX XXXX stating that they have sent information to my address from 9years ago about an alleged XXXX XXXX debt and they will be pressing charges for check fraud. I called the number left with the claim number she left me and was asked to provide my SSN for verification. I refused. I told them that I do not owe any debt to XXXX XXXX. I need verification of this debt. I let them know that I need to speak with my lawyer before anything happens. My phone number has not changed in almost 20yrs. If they wanted to send me a bill to my current address, I 'm very easy to find. I was told that they will just put the information in and I can explain it to a judge.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: PA
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 very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
When I obtanied this loan in XXXX XXXX 2007 from Suntrust I was attending XXXX XXXX XXXX. The loan was a joint loan with myself and XXXX XXXX. The loan was suppose to have been put into forebarance and then a defferment due to me still attending school. I have other student loans that are in defferment due to me being in school as well. When I contacted Suntrust about the loan being in defferment they told me that it was.This loan has been reporting very negativley on all three credit reports and I would like the information to be removed. On my credit report it is reporting that I was late and I was not due the fact that the loan itself was suppose to be put into defferment.

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 2018-01-18
Company: EQUIFAX, INC.
State: CA
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:
Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

Equifax : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am XXXX XXXX and I am submitting this complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( 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
Consumer complaint received 2019-05-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Investigation took more than 30 days

Complaint:
AN FAIR PRACTICE ONMAIN FINANCIAL REPORTIN TO CREDIT BUREAUS XXXX, XXXX AND XXXX WHEN YOU OPEN ACOUNT HOW FAST WILL REPORT THE ACCOUNT AND WHEN YOU CLOSE ACCOUNT AFTER BEEN PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the spring of XXXX, I hit a snag financially. I was a XXXX employee and had a number of clients not pay on time. My car was repossessed in XX/XX/XXXX. I quickly redeemed the repossession. 

For the last 8 years, I have vastly improved my credit health. 

However, Equifax has yet to delete this comment posted by XXXX XXXX. 

I filed my last complaint in XX/XX/XXXX. The Complaint ID is : XXXX. However, I can not review the results of this complaint as I correctly answered my security questions yet was locked out of the account. 

I have tried everything to get this comment removed as permitted by the FCRA. I tried services provided by XXXX XXXX, I have filed personal complaints. 

Others have deleted this information. Equifax has not. 

I am additionally worried that my information was exposed in the Equifax breach thus why I was unable to properly view the complaint I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today, XX/XX/2018, I went online and was asked to update my personal information. For the first time, Bank of America is now asking a new " required '' question, " Do you have dual citizenship? '' I have told them that I am a US citizen and that I am living here in the United States. I see no reason to answer this question and am offended that they are even asking it. When I called to ask them what was the legal basis of why they were asking this question, they responded that they had to verify my identity, my citizenship and my residency per US government regulations. I told them that I have provided them with all of that information and that it was none of their business whether I am a dual citizen because I am a natural-born US citizen who was born and raised in the United States and that I hold a US passport and currently reside in the United States. As I explained repeatedly to the customer service representative, whether I am a dual citizen should have absolutely no bearing on them providing me financial services because I am a US citizen. I also told them that I was going to refuse to confirm or deny whether I have dual citizenship and that it is possible that I may not even know one way or the other because citizenship is determined by each country  individually. I find it highly offensive and potentially in violation of the 1964 Civil Rights Act that they are even asking me this question. They have informed me that I can currently ignore the request but that if I do not answer it, eventually my access to online banking could be cut off. As it turns out, I am unable to update any of the other pieces of information because they consider the dual citizenship question to be " required ''

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I, consumer XXXX XXXX did not consent to, authorize nor benefit from any of the following inquires. Block and remove ALL inquries from my consumer report pursuant to 15 USC 1681c-2. Block of information resulting from identity theft.

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 2019-03-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX year old father had a savings account with Chase for years that had a balance of {$41000.00} as of XX/XX/XXXX ( I was a co-applicant on the account ). In mid XX/XX/XXXX, Chase sent him a letter stating that due to a high number of ACH transactions starting XX/XX/XXXX, they had turned the account into a checking account. He asked me to look into it and I identified that ALL of the ACH transactions totaling {$8400.00} were fraud. I immediately called Chase to file the proper paperwork ( i faxed the requested supporting documentation on XX/XX/XXXX ) and the claim was denied without any explanation. I then went into a branch and they refiled the paperwork which I substantiated again on XX/XX/XXXX. To date, {$5500.00} has been paid back, but Chase refuses to pay back the remaining {$2900.00}. We made the first claim XXXX which based on their disclosure on the statement, should cover for anything noted in the XXXX and XXXX statement. They claim that we are outside of the 60 day window, but that doesn't track back to their own disclosures on the statements we have received. Additionally, they claim they can only cover for transactions they can recover for. These were fraudulent transactions that shouldn't have been allowed based on the account type. Finally, they are in violation of both Regulation E and UDAAP due to their not adhering their own statement disclosure not to mention Elder Abuse as they made changes to an elderly man 's account without any notice nor with any attempt to contact him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi. 
I contacted Transunion and asked for assistance with removing credit inquiries. These inquiries are not authorized by me. It happened today and I immediately called to have them removed. They said I need to submit a letter of removal from XXXX and send in documentation. I called XXXX and they said they couldnt provide such letter. 
I am asking that they remove the XXXX inquiries from XX/XX/2021 and XX/XX/2021.

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 2018-10-25
Company: Experian Information Solutions Inc.
State: SC
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX Experian.n : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX   XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experie.n : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, Unknown XXXX : XXXX XXXX Unknown 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