BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: FIRSTBANK PUERTO RICO
State: VI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX missing ATM card. Called bank to cancel card. Was on hold for over 1 hour. 

XXXX Called bank again, recording said unavailable. 

XX/XX/XXXX Holiday, recording said unavailable again. 

XXXX Went to branch where I opened account when it opened. Representative canceled ATM card, issued temporary. Confirmed no charges since XX/XX/XXXX when I last used the card at a restaurant. 

XXXXSaw three fraudulent charges on bank app. Reached customer service and filed complaint. Two for XXXX XXXX {$370.00} & {$470.00} and one from XXXX for {$250.00}. Contacted XXXX XXXX fraud dept. they needed complete transaction number, only had partial from bank app. Reached customer service, was told they could not give me complete transaction number. 

XXXX-Reached customer service, they said complaint denied. Said I would file CFPB complaint if money not returned. 

XXXX All monies credited to account. 

XXXXDeducted the XXXX XXXX charges against. Call customer service again they said it was only a temporary credit. Filed another claim. 

XXXX Again deducted XXXX XXXX charges totaling {$840.00} debit memo VD XXXX. Called customer service said they could not see the charge as it was internal. 

XXXX received letter dated XX/XX/XXXX from bank in Spanish but could not read. It appeared to reference fraudulent XXXX  charge of {$250.00}. 

XXXX Received letter dated XX/XX/XXXX from bank : debit reflected in XX/XX/XXXX corresponds to reversal of provisional credit in XX/XX/XXXX. 

XXXX filed another complaint # XXXX with XXXX XXXX XXXX Said she could not see any history before XX/XX/XXXX. 

Summary- They have deducted XXXX XXXX fraudulent charges against my account twice totaling {$1600.00}.

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 2017-12-19
Company: ALLY FINANCIAL 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 purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. Ally Financial, XXXX XXXX, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
hello, I've made several complaints and sent in several proofs to Transunion reporting the Account " XXXX " reporting inaccurately. I contacted Transunion by writing for several months about them reporting inaccurate information. they have failed to investigate instead they send verification letters back or " we will not re investigate with out proper proof. on XX/XX/2020 I sent in proper proof of these violations and instead of complying with consumer rights they sent yet another letter stating they won't investigate or fix this issue. please help me this is crippling me and my future in these hard times we are facing on XX/XX/2020 I sent in more proof that they ask for on XX/XX/2020 they sent they won't re investigate

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 2021-09-08
Company: SYNCHRONY FINANCIAL
State: NY
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 these acounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 01 SYNCHRONY BANK Account Number : XXXX This is 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 2020-11-14
Company: Waypoint Resource Group, LLC
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/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Synovus Bank
State: MI
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:
I recently tried to pay off {$300.00} on my First Progress secured card and sent a check through my bank to their PO box for the amount of {$300.00}. After they received the check they only put {$100.00} on my account. I was told to confirm with the bank and provide a copy of my bank statement then fax the statement in. I spoke with my bank and they said that the check was sent for {$300.00} and was received by First Progress for {$300.00} and that the full amount has for certain been subtracted from my checking account. I then called First Progress after providing the statement and informing them what my bank had told me. After a week of troubles trying to resolve this I still am missing the {$200.00} and First Progress has been no help to me and has refused to fix this issue and keeps asking for different types of information every time I talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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 status incorrect

Complaint:
I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one  in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I USED MY JPMORGAN CHASE BANK, TRANSFER MONEY SERVICE XXXX. 
MADE A {$480.00} TRANSACTION ON XX/XX/2020, WHICH IT WAS A SCAM, I ASKED MY BANK CHASE TO HELP ME RECOVER MY FUNDS, THEY TOLD ME THE CAN'T.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX the XXXX I lost my card on a lunch run while on my break, after my lunch i realized i didnt have my card on me and didnt think too much about it cause i often loose my cards and find them however the next day i went on my account to close the debit card and there was a check with an amount of {$1700.00} deposited and withdrawn, I am no longer able to view my online bank statement and my account is now reflecting - {$1800.00}, I contacted my bank and they have started a claim however my only worry is that I end up in debt. I did not make those transactions nor am I associated with it. I am extremely worried as I have never been in a situation like this and I dont want a negative outcome from this.

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 2020-09-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, I paid {$740.00} to XXXX XXXX XXXX to settle a debt that XXXX XXXX XXXX had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from MBA Law ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to XXXX XXXX XXXX a year ago.

I contacted MBA Law informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that MBA Law has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will fine a lawsuit if this fraud accounts is not removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Media Collections, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 XXXX from XXXX XXXX XXXX called to inform me that I owed for the newspaper that I never received. Now I 'm receiving a collection letter from them.

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 2017-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I keep getting e-mails from Experian wanting me to sign up for 30 days free credit monitoring due to XXXX XXXX XXXX. After 30 Days they want you to pay $ XXXX/month. 

They indicate that they will do a one time Dark WEB scan and report if there are issues involving my information. What do you think the results will be, if they scare even a small percentage of 150 million people into buying their service they will make millions because another credit rating agency XXXX XXXX. 

It seems to me they are taking advantage of a bad situation and scaring people into buying their service, this does not seem right to 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 2020-11-17
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: Account information incorrect

Complaint:
I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to see Congress take strong steps to protect consumers from data breaches such as the recent Equifax breach. These breaches are becoming common with costs borne by consumers and the offending companies bearing little responsibility. My family was affected by the recent Equifax date breach and it has been frustrating, difficult and expensive to freeze our credit. XXXX in particular views seems to view this incident as an opportunity to enrich themselves with difficult and costly procedures to freeze credit. When we need to unfreeze our credit we will be faced with additional fees. It is time for Congress to act on behalf of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is the servicing a loan for XXXX XXXX XXXX XXXX, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series XX/XX/XXXX and they are attempting to foreclose on my property unlawfully. Also, while in the process of a modification, XXXX XXXX was out of business when the loan was transferred, and they were the original Holders in Due Course of the loan. Therefore this loan trust does not have standing to foreclose on my property

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Cumberland Financial Services, INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained an interest free loan from Cumberland Financial Inc, XXXX, KY, for a hot tub I purchased in XXXX of 2020. This was supposed to be interest free or same as cash for the duration of the loan. However, Cumberland Financial has added interest onto the loan stating that due to a attempted auto payment that did not go through back in XX/XX/2020, this is no longer an interest free loan. I have had difficulty every single month with Cumberland charging the incorrect bank account. They said they have 4 different bank accounts listed for me. I told them over and over which is the correct account yet they continue to charge the incorrect account. I have NEVER been 30 days past due on this account! However, Cumberland Financial said because the payment was 10 days past the due date, they automatically took my account off of the interest free status. The reason they received the payment ten days past the due date was because they tried to charge the wrong bank account! Also, conveniently, they never called to inform me the payment didnt go through until after the ten day period. Obviously, this Is pretty shady and completely unprofessional! Cumberland Financial does not have a website that you can go to in order to make payments online or even check your account like most companies in 2020! They purposely make it difficult to monitor your account and/or make payments! The only way to check on your account or correct your banking information is to call somebody. Clearly this gives room for human error to occur. The employees and manager of Cumberland Financial are completely unreliable and unprofessional! I fully believe they are running a scam on their same as cash financing! They purposely charge the wrong bank account for your monthly payment and then inform after their 10 day late policy, in order to remove your account from the same as cash status and charge you outrageous interest!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted Transunion numerous times that XXXX XXXX  XXXX Act. # XXXX and XXXX XXXX XXXX  XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?

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 2020-09-03
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I had applied for an apartment in XXXX, Virginia. At application time I had paid an application fee and security deposit to hold the price that I was quoted that day. I was advised on move in day I would sign my new lease, pay my first months rent, and get the keys. The day I was supposed to sign my lease and move in I called the apartment complex and told them I was no longer interested due to my new commute to work.That is when I was told that I would still be responsible for rent AND I would have to pay monthly for the unit until they were able to find someone else to rent it. I didn't even have a unit number so how am I to know when or if it is occupied. I never signed a lease, I have no contract with them. The application is just that an APPLICATION. About 6 months later I seen that they had put this account on to my credit report as a collection account and Hunter Warfield is the creditor attempting to collect these funds. I have since requested account validations via disputes and nothing has come of it. I have not been shown the proof that I have requested asking how they think i owed them this ridiculous amount of money. I am sure they are ignoring my requests because there is no proof. There is no lease. I would like Hunter Warfield to remove this account from all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX placed a judgement against me for {$10000.00}. I was not aware of this until they added this to a collection account in my credit. In XX/XX/XXXX I went to court to file a motion to vacate/set aside default judgement. The file was granted on XX/XX/XXXX which means the judgement that was entered in my credit is no longer valid since this motion was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: ALLY FINANCIAL INC.
State: NY
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:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

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