BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get a daily automated call on my cell phone and home phone number from XXXX XXXX XXXX. I don't know what this is for as I don't have any debt. I used to get a call from a guy name XXXX but that is not me. I don't know who this person is but someone keeps calling me and harassing everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim ; his information was used to apply for an account with XXXX/WalMart  without his consent. The account was established and a balance of {$630.00} was incurred and then reported to each of the credit bureaus. A dispute of this account was sent to XXXX/WalMart and a response concerning the receipt of that dispute was sent however we have now reached the 45 business day threshold outlined in the FCRA for the re-investigation to be completed however XXXX XXXX has not been contacted concerning the results of this dispute.

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 2020-07-16
Company: FinCo Services Inc DBA Current
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 Current ( XXXX XXXX  ) allowed me to enter direct deposit information for my husbands unemployment. They returned the deposit because the name did not match yet they allowed me to enter the information and for it to clear with the UI office. When I contacted them they said there is nothing they can do to release the funds even though my husband was willing to be added to bank account and was standing ready with his social, ID and other PPI. I feel this is a UDDAP violation as it should have never gotten as far as the deposits being rejected and other banks Ive banked with have never had an issue processing my husbands payments to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It shows on my credit report that Credence Resource Management reported to XXXX XXXX that I owe them an amount of {$1400.00} on an XXXX XXXX XXXX  bill collection on XX/XX/2018.However, I have never received any type of written correspondence from them any time after the date the debt is reported. Which goes to say they have not provided me with any type of validation of this debt. The debt also continues to show on my credit report and I am aware they can not legally report a debt that has not been validated on my credit report and that it has to be taken off until validated. I have reason to believe as well that this is a possible scam.I currently have a dispute in process concerning the debt with XXXX. I believe as well the account has in fact crossed SOL for the state and type of debt. I've already tried sending them a debt validation letter and have not received a reply. I do not want to pay for a debt that is not mine and/or end up paying a fake collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: NY
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 customer service

Complaint:
On XX/XX/18 went to Chase Bank at XXXX XXXX XXXX and spoke to person at bank about paying off credit card debt, she then called Chase service and my husband and I spoke to a person by the name of XXXX for more than an hour. She said the call is being recorded. We said we wanted to make a one time payment on what we owe and what type of arrangement can we make. She offered two plans, keep paying or close the account. We chose to close the account and we agreed to make a payment that day of {$1800.00} ( which was all the money we had ) from {$2200.00} that was owed. My husband told her he would get on line to pay the amount and when person came back on phone, she said that the agreement had been declined. She said the reason it was declined was because there was usage on the credit card. 
I don't understand what using the credit card has to do with agreeing on the {$1800.00} payment. The branch manager 's name is XXXX XXXX XXXX and I spoke to him about this situation and he's looking into it. We had to go and borrow the additional {$410.00} to pay off our credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: SC
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:
According to report Equifax affect Millions for falsely reporting score through a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
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:
Ive asked for a full investigation of account XXXX because there were inaccuracies with all 3 bureaus.. I checked my report after the investigation and nothing was corrected. I have attached my latest 3 bureau report I want this account deleted because it is reported inaccurate. Please delete account XXXX from my consumer file immediately. 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Tickets that I bought for a concert were cancelled due to covid. The vendor is refusing to issue more than a 50 % refund, despite the concert being in California where this is illegal. Wells Fargo / Visa issued the debit card that I used. WF now reports that Visa changed a policy on XX/XX/XXXX ( tickets were purchased prior to this, but cancelled after ) stating that they will not charge back an " large gatherings '' that are cancelled due to covid. Visa / WF say I should contact the vendor ; vendor is refusing the full refund.

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 2021-06-09
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX afternoon, I've entered incorrect recipient personal identifiable information for a Business/organization ( as provided in the option ) for purchase of goods/services of {$490.00} because the business refused to provide their address and claimed that it is a sensitive information. The required information provided to TransferWise for sending money to the recipient was incorrect. The company did not do its due diligence in ensuring that the purchase/sale of a product/service from an organization/business ( Wise provided this selection without differentiating between sending an individual/family/friend whom you can trust and a business/organization where consumer protection is warranted ). I had input my information instead per recommendation for shipping purpose. The business refused to send the product that I have paid via TransferWise, and there was no cancellation button seen on the app. Wise was not available on the weekend as soon as I detected that the business disappeared from active communication, so when the weekend was finally over, I had called Wise to request for a cancellation to which they claimed to have successfully sent the money on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  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 explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
No of the credit bureaus are responding to the disputes I sent in about incorrect information reporting on my credit file

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 2023-01-02
Company: ALLY FINANCIAL INC.
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:
I returned some items the store said I would get a refund never did. I disputed with my bank and they said it was authorized. I told them I RETURNED the items.

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 2020-09-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
I have submitted a complaint on XX/XX/XXXX regarding this same XXXX  XXXX XXXX account. Complaint ID XXXX, Yet the company respond that the account will be removed and it has not been removed since XXXX. 

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and XXXX credit report : Account name : XXXX  XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2020-02-04
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Advance America debited my checking account with XXXX  XXXX XXXX ending # XXXX on wrong date and a sum of {$230.00} has a negative on my account with charge fees of {$35.00}. 
I am respectfully not able to pay the full amount of {$230.00}, but l can start a payment extension and payment plan with Advance America to pay payday loan. 
Also, the fees are very high on payday loans and interest over 45 %. 
I am respectfully XXXX Lifetime and Retired and a XXXX XXXX Honorable Military Veteran and on a XXXX fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, 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:
Greetings, I have previously contacted Equifax, XXXX, and XXXX   informing the company that I have been a victim of identity theft/fraud. Equifax, XXXX, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.

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 2021-03-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was denied a prepaid card. I have fair credit XXXX range in all 3 bureaus according to my free credit report. Wasnt given any explanation from AMEX -Serve prepaid card for denial. Thats false advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
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:
Since my identity theft that happened in XXXX '20 and shared with local police by raising a police report and also shared with FTC through identity theft report, I can not access/register myEquifax account and I suspect someone else has registered under my SSN and name. 

I have followed up several times over the phone and over the mail with Equifax with evidence of my identity, police report, FTC IDTHEFT report and proper email address and phone number that should be assigned to my profile, with no success. 

Other notes : I am able to access my credit file with XXXX and XXXX, yet Equifax is not helpful in making this change and allows unauthorized parties access and manipulate my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to the bank to get mortgage documents notarized and they did not have a notary on staff. Not only that but their website said I should be able to schedule a notary but the website was not working. My complaint is regarding the fact that they did not have a notary available to us at the time we came in and that we could not schedule a notary due to their website being down.

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 2023-01-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Debit card gets put on fraud block and i can not use it for anything, support refuses to verify me under the basis that the number isnt in my name under public records however, me making a purchase on XXXX is what tripped the fraud system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Duncan Solutions, lnc.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : I have sent three letters to Professional Adjustment Co XXXX XXXX XXXX XXXX XXXX, FL XXXX Dating XX/XX/2020, XX/XX/2020 asking them to verify the debt of medical bills {$150.00}, {$330.00}, and {$400.00}. After 30 days haven't received a response for {$330.00} but on XX/XX/2020 received verification of the a debt of {$150.00} and {$400.00}. I have responded with a letter on XX/XX/2020 asking for validation and poof for the medical debt. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe. By furnishing my account information to any collection agency is not in compliance with HIPPAA or Florida 's Privacy Act, and any subsequent reporting of these account on my credit reports to XXXX, XXXX, and XXXX  is clear violation of Public Law 104-19. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation