BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX Transunion File ID : 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 2021-02-19
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had disputed a debt with Action Collections in 2018. After that I did not hear from them nor did I receive any paperwork stating that I still owed the money. I was not given any chances to resolve this debt before filing a lawsuit. I spoke to XXXX who said I needed to talk to their attorneys. He transferred me to XXXX in the attorneys office who is part of Action Collections. Now my {$650.00} debit is up to {$1500.00} because they are charging me {$240.00} in interest AND {$600.00} dollars in attorney fees which is almost the same amount as the original debt to begin with. When I called to pay the {$650.00} and agreed to pay the interest, they declined my offer and wouldn't take my payment. The insisted I pay double when I have not even received paperwork on this debt nor have I even been served papers to validate their claims. 

The address they had on file is inaccurate and when I told them they state wasn't their problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: MoneyLion Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Friday XX/XX/2022, Money Lion took my entire check for an my instacash repayment set for XX/XX/2022. My check comes In XXXX yet the dates of collection are the previous day, which they excuse for pulling out any amount of money that is inside of your back account to repay for instacash. I was put into debt because money lion has a predatory way of adding instacash boosts and advertising more instacash ( through notifications and such on your phone ) regardless of wether or not the person has the money. 

All of my money in my account was pulled out leaving me with barely any money in my bank account which I need for basics like transportation and such in order to earn money in the first place. This is the second time that this occurs and I am just about done, I attempted to pay a partial amount today so that this didn't occur until I was able to pay the rest of the amount but the money was just pulled out of my account with no regards or consideration for my money. I now don't even have money for my weekly expenses and I get paid biweekly! That's two weeks without any money at all because it was all pulled from my account at once. The worst part is that now I am in debt as well as my instacash did not even get paid in full and unless I pay the remainder I cant use any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Advanced Resolution Services Inc.
State: TN
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:
On XX/XX/XXXX, I sent a letter to Advance Resolution Services challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Advanced Resolution Service. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from ARS to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Celsius US Holding LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Celsius Network LLC paused all customer funds withdrawn on XX/XX/XXXX. The company stated multiple times they should never do that and even did this before filing for bankruptcy before XX/XX/XXXX, so customer funds would be forced to be stuck in bankruptcy holding. This is a blatant false advertisement, and they would not even allow custody accounts to withdraw funds even though the money is not earning any yield. I have approximately XXXX XXXX stuck in custody, and I have a loan with Celsius for XXXX XXXX that I can not pay and withdraw funds from. My collateral is attached, yet they ask publicly via email to wire them more money without any promise to give collateral back on XX/XX/XXXX. This seems like an extortion of funds, and they are praying in fear for their customer to send them more funds. You can not even use your custody account to pay for your loan. If I have to give a failed company more money to pay off a loan, we may never access the funds ever again. This is a failure of legitimate business practices. There is a lot of fraud and abuse of customer funds that Celsius Networks owes its honest clients. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX PM Dear XXXX XXXX This is to confirm that we have received an interest payment on your loan. 


Payment Date : XX/XX/XXXX XXXX PM Interest Amount Paid : XXXX XXXX XXXX XXXX XXXX in USD : {$11.00} Discount : {$0.00} Currency : XXXX Loan Number : XXXX Loan Amount : XXXX XXXX XXXX : 1.00 % Total Interest Outstanding : {$100.00} Next Interest Payment : {$11.00} Origination Date : XX/XX/XXXX XXXX AM Maturity Date : XX/XX/XXXX XXXX AM Current Collateral Balance : XXXX XXXX XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a bank account at Bank of America in XXXX and 2 legal orders withdrew all my balance, no information was obtained since XX/XX/XXXX. 

Legal order on XXXX XXXX XXXX took all the balance of XXXX USD Legal order on XXXX XXXX XXXX took all the balance of XXXX USD First contacts with Bank of America by calling XXXX, they gave me an email address related that is XXXX and I emailed twice on XXXX and twice on XXXX but never receive a response. 
Second contacts with Bank of America by calling XXXX, they explained there was a court order against me so the money was gone but they refused to send me a copy of such court order. 
Recent contacts with Bank of America, a specialist claimed that I should go to California Tax Centre. Again no information was found related to these two legal orders and they said I am not supposed to pay tax since I am non resident alien who don't live in U.S. and no income inside U.S. ever. 

I am tired of this kind of invalid process and the failed explanation of Bank of America, so I want to complain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX and TransUnion are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2019-05-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Chase Bank closed account without reason or warning. Positive balances and have had accounts over 10 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
In XXXX, I arranged for an individual to perform landscaping services to my yard. I only knew him by the name XXXX. He used the business name XXXX XXXX XXXX XXXXXXXX. I paid for the services by cash, XXXX transfers, and with my Bank of America ( B of A ) credit card. Services were completed and payment in full was made before the end of XX/XX/XXXX. In XX/XX/XXXX, five more charges were made to my credit card by XXXX XXXX XXXX XXXX that were not authorized by me. I contacted XXXX ( the XXXX  ) by text regarding the charges. He said his banking information had been hacked and he denied making the XXXX charges. He verified that the final payment was " around XXXX. '' I contacted B of A in XX/XX/XXXX regarding the above. The XXXX charges were initially reversed. Then they were charged to my account again. B of A stated that the business responded that the charges were all valid and that I still owed more money. I contacted XXXX and he denied ever receiving any contact from B of A from their investigation. I sent him copies of the response that B of A received. XXXX stated that the merchant name and logo were not the same as he used and he again denied making any charges in XXXX and that his account information had been compromised. 
Disputed charges : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} December 18/, 2021 {$1400.00} Total {$9000.00} Below, I will attach screenshots of the text messages between XXXX and me. 
Note page XXXX he denies being contacted by B of A for the investigation. Page XXXX he confirms that final transaction was around XXXX before XXXX XXXX and he repeats that the charges were not from him.

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 2021-01-17
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 4 calls and 3 voicemails from XXXX, the first was on XXXX XXXX, XX/XX/2021, after upon listening to the voicemail, I blocked the number and deleted the voicemail. I received calls from same number on XX/XX/2021, XX/XX/2021, XX/XX/2021. I got 2 more voicemails, which are all the same and sound a little like a recording, maybe? 

The caller, a male, talks in a muffled voice, he says : " This is an important message from Pioneer Credit Recovery Incorporated. This is XXXX XXXX. The law requires I notify you. I'm calling from a debt collection company. This is also an attempt to collect a debt. Any information obtained will be used for that purpose. I'm calling today on behalf of XXXX. Please call me back when you get this message to XXXX and when calling use reference number XXXX. '' The Caller ID comes up with PCR INC. from XXXX, NY. 

I have not responded to any of the calls, but I'm getting really annoyed with them. I know I have no debts and I know this is a fake or scam call. I always ignore scam calls and block them. I have never received voicemails like this before.

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 2022-09-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 ( the date our payment balance was due ) we attempted to pay our XXXX XXXX balance of {$1300.00} online. The website contributed to give an error message that said, Were unable to process your request at this time. Please call our customer care team at XXXX. Not being able to call due to our schedule park schedule, we attempted to log on again that evening. When it didnt go through we attempted to pay online each day until it finally went through on XX/XX/XXXX. We then incurred a late fee of {$37.00}, which doubled to {$62.00}. When we again attempted to pay this fee online the same error message came through. Today I finally called and was hung up on, then when I called back was told that I should have gone to a XXXX XXXX store to pay in person, which is unworkable as we live far from the store. When I called back a third time to pay over the phone, I was told by the recording that I would incur an additional {$9.00} fee to process payment over the phone, which is outrageous. I then proceeded forward and was disconnected again. 

This company is literally scamming people by preventing us to pay our bill and forcing us to pay late fees that we can not even process because their system does not allow it. I am filing this complaint to report this company and to reverse these late charges. This is only one of a handful of issues we have encountered with this company and we simply want to pay our account balance so we never have to do business with this company again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: Square Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 cash app sent over a fraudulent statement stating that they had a valid reason to denying my unauthorized transaction claim. 

They stated I did not provide supporting documentation? When I asked what supporting documentation was needed they failed to respond. 

They stated that I never answered questions about my account that is also false! 

Their agent XXXX also falsely stated that she initiated a claim and within 13 mins she denied the claim with is a federal offense. Square/ cash app has committed fraud and I simply want my money back. I wont stop until this company is held responsible! I am willing to go to all media outlets! 

The claim was submitted before the 15 and nothing had been been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, XXXX, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am still having issues opening up a checking account with BMO Harris Bank online and in person. BMO Harris Bank continues to deny me credit, and discriminating against me because of my race, me being XXXX XXXX ( XXXX ). BMO Harris Bank is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. My full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: DC
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:
Unauthorized and or disputed items on the account, reported to the bank TWICE, over several weeks. Bank has failed to process or ignoledge the claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to XXXX on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. Transunion on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, XXXX, Transunion and XXXX to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.

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 2021-01-17
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. My Chapter XXXX Bankruptcy case was discharged on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed. TCF Bank was discharged in bankruptcy court. TCF Bank is discriminating against me and wont allow me to open up a checking account or apply for other TCF Bank products or services due to me having a previous debt with TCF Bank that was discharged in bankruptcy court under Chapter XXXX. TCF Bank is discriminating against me based on my race as well, me being XXXX XXXX XXXX XXXX ). TCF Bank is denying me credit and an opportunity to reestablish my credit. TCF Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation