BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company on 3 different occasions and they are being grossly negligent. I have requested that they provide me with sufficient information according to policies and consent form that they provided me with. This company continually states I owe for a medical bill in the amount of {$300.00} for date of service XXXX/XXXX/12 for an alleged Patient First Visit. This company provided me a policy that stated I would be responsible for any remaining balance that the insurance did not cover. To the best of my knowledge my insurance did and would have covered any medical visits that I attended within policy benefits of course. I requested that this company provide me with the denial they received from the insurance company that would then allow them to pass this balance on to me as stated in the consent to treat from they provided to date they have not! The consent to treat from does NOT state that I would have to pay a balance if the insurance did not pay more than the billed amount and only paid the customary. I am not sure of this balance and this company has done absolutely nothing to help me resolve this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited my paycheck on XX/XX/XXXX via mobile deposit. On XX/XX/XXXX, USAA created a hold of 40 % of the amount deposited ( {$4100.00} ) until XX/XX/XXXX. It is XX/XX/XXXX and the funds remain frozen. 

I chatted with an agent via the USAA App who explained that the holds are for preventing fraud and that she would see if she could release the hold early. That did not work. She then asked me if I wanted to escalate the issue to the supervisor via telephone call. I said Yes. 

The supervisor then told me it was random to which I asked, if its random then why are you holding the money now that I have contacted and escalated the issue?. She would not answer. Would not provide me with a reference number and would not give me her name or any way to refer to the complaint and escalation. 

For context, Ive had a USAA credit card and insurance policy since XXXX. I have a savings account and have been depositing my paychecks for over 6 years the same exact way. My recent credit score was XXXX. It seems wrong that USAA would hold my paycheck for such an extended period of time and then refuse pertinent information including the representative or incident detail. Very disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Experian Information Solutions Inc.
State: PA
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:
Experian shows a charge off and there is no charge off The account was paid. charge off is no payment and money owed.

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 2023-01-16
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help

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 2021-04-12
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My family and I moved from an apartment complex owned by XXXX XXXX XXXX, XXXX, NC, in XX/XX/XXXX. A charge of {$500.00} and {$130.00} was applied to our credit report by the leasing agency, Lease Term Solutions of NC. The charge was regarding treatments of a pest infestation that initially occurred before moving into the apartment a year earlier, in XX/XX/XXXX. XXXX XXXX Properties homeowners insurance should have been applied to correct this problem, but instead, we ( the tenant ) were billed, and eventually, the item was placed on our credit report. On XX/XX/XXXX, we made a visit in person to the XXXX XXXX apartment complex office to rectify the issue. The attending agent informed us that several leasing agencies held the leasing contract over the last several years. After searching diligently through the current and historical data, the representative could not locate the charges in any of the files. She didnt even know which collection agency that was trying to collect these charges. We went to our collection report and filed a dispute. The result came back as this is a valid and accurate collection account from IQ Data International. Today, XX/XX/XXXX, I called IQ Data requesting the incorrect data be removed, and they promptly refused. We are contacting your agency to help us get these two items removed from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Friday XX/XX/2021 we sent {$5000.00} from our ( my and my wife 's ) joint account in Bank of America to my account in the XXXX XXXX XXXX XXXX. The clerk in local BoA office tried to enter the XXXX XXXX XXXX XXXX IBAN code we offered her, but for some reason this attempt was failed. Then she has used the XXXX XXXX XXXX code ( XXXX ) and account number. Only later we learned that now it is necessary to add 'XXXX ' characters at the end of XXXX code that contains less than 11 digits ( i.e. XXXX  in our case ). As we later found other bank system ( e.g. in XXXX XXXX ) automatically adds these XXXX ( and supposedly along with bank account number creates IBAN code ). However, the BoA system didn't add these characters and it allowed to enter my XXXX XXXX XXXX account number. As a result this transaction was successfully completed from the BoA side, but I received no money at my XXXX XXXX XXXX account until now. It means that the Bank of America system sent money nowhere. Moreover, it looks that the BoA wire transfer system is obsolete, while the local BoA personnel are incompetent, being unaware of recent changes. 
The service the Bank of America provides the customers is absolutely terrible. We have another complaint that confirms this our conclusion. But it is different story.

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 2021-01-29
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
The collection is reporting on my credit report as charged-off ( SYNCB/XXXX ) and XXXX XXXX XXXX. I have called the company several times to resolve this said balance of charge off. The company has sold this debt to another company trying to make me pay for debt with an outside source, but they are holding the account. Both companies are trying to collect on a debt that neither has verified that I owe. I have submitted this dispute to the Credit Bureaus to ask for validation of the debt owed and have yet to respond. This is causing me financial distress as I'm not able to resolve this matter. The credit bureaus are not followingthe law to demand proof of debt owed. 



Account Info Account Name SYNCB/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$950.00} Highest Balance {$1300.00} Terms NA On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX/ XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/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 2020-10-08
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX, initiated 3 hard inquiries on my equifax credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted XXXX XXXX XXXX by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: OH
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 filed chapter XXXX bk in XX/XX/XXXX. Best Buy/Citi was one of the creditors. They were notified of the filing but, continued to debit my bank account for previously scheduled monthly ACH payments which is a violation of the bankruptcy laws. I tried several times to stop the ACH pmt with them but, they continued for 2 months after being notified. I was finally able to convince my bank to stop the payment withdrawals by providing my bankruptcy documents. 
I have called Best Buy and requested the 2 late payments in XXXX and XXXX of XXXX. The account was not late. It was in chapter XXXX bankruptcy repayment they were notified. I have been denied credit by a mortgage lender due to the 2 late payments. I was informed by my lender that I can not have any late payments after the BKXXXX. I need Best Buy to remove the late payments from all 3 credit reporting agencies.

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 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX 3. XX/XX/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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX and I am a victim of identity theft. JPMCB is continuing to report a credit card account XXXX opened XXXX XXXX on my consumer reports! I completed the identity theft affidavit and forwarded all correspondence to the credit bureaus. The credit bureaus have not removed this account from my consumer reports. JPMCB is damaging my life because of the failure to remove this account, leaving me in mental distress and at financial disadvantage. I never had this card in my possession nor have I ever received any monetary value from the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: OR
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:
RE : Experian, Boost Complaint Consumer : XXXX XXXX XXXX XX/XX/XXXX I have had a free account with Experian for more than a year in order to boost my credit score. My initial bank was XXXX Bank and the Experian, Boost product worked over a year to increase my score approximately 56 points. In the past few months I changed my banking to XXXX XXXX Credit Union. 

Although, I was able to enter my new credit union into their Boost app., Boost has never found any of my paid bills. This has caused my credit score to drop 51 points. 

I first contacted Experian via phone on XX/XX/XXXX at XXXX. I spoke with agent XXXX. She did not understand that I was unable to first get my account entered. I eventually requested a supervisor. She said there was no one to send me to and that I should email, XXXX, to communicate with a supervisor. 

I sent a email the same day, XX/XX/XXXX XXXX, explaining my complaint. I received a form letter for this question and every follow-up email they sent me in response. Their response was to tell me to send Experian my 3 months worth of bills. I attached them as pdfs in an email explaning of the bills. 

Since sending my bills in on XX/XX/XXXX, they have not responded in any form. There has been no change in my account being boosted and accurate. They did not manually add any of the bills I sent in so that my score would be accurate.

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 2019-10-14
Company: Financial Recovery Services, 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 status incorrect

Complaint:
I contacted XXXX XXXX and XXXX at XXXX, Financial Recovery Service ; regarding the status of my account being  reported incorrectly. This company represents XXXX XXXX. This debt has been under debt consolidation with XXXX since 2016. The original debt was {$5500.00} and now Its under {$2300.00}. I asked Mr. XXXX to correct my status on my credit report. They're company did not. In fact, they updated the account worse. They removed the beginning balance. So, I asked XXXX to send all my deposit to another company. XXXX XXXX XXXX XXXX and XXXX XXXX has done for the last 3 years is against the Fair Reporting act. They must report fairly and accurately to my credit report. What they have stated on my XXXX  Account is a lie! Why would I make payments or pay down an account ; if they are just going to show an incorrect status on my account. Both these companies have just ignored the Fair Credit Reporting Act and decided that I do not matter! Can your company please help me with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open/end credit plan was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES. INC. d/b/a CHASE on November 12, 2021 via telephone and email. I reached out to a representative who told me exactly why I was denied. When trying to speak with a manager she was very rude and got silent when I stated my case. After saying hello several times and being on hold for and hour she disconnected the call.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { S5000.00 }. J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: IN
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this complaint is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2020-02-01
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I contacted the company, Greensky and inquired about the {$110.00} interest charge on the 1st statement. Payment for XXXX  services were rendered on XX/XX/2020. I received the statement on XX/XX/2020,  showing the interest charge of {$110.00} and a minimum payment due of {$190.00}, due XX/XX/2020 for services. I was informed that it is prepaid interest, because my closing date is on the XXXX of each month. 
I explained to her that didn't seem right, she explained to me that is how Greensky does things. 
I then asked her about the Promotional Expiration Day of XX/XX/2020 that was printed on the statement. She responded said that no longer applies. 
I asked her who regulates her company. She said that was good question and put me on hold to get the answer. 
She came back on the phone and told me that they were regulated by the FDIC. She also said that the interest amount was not interest, but a part of my payment because of my closing date falls the XXXX of each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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