BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My business partner and I have a bank account registered under an XXXX with Bank of America. The account has XXXX debit/credit cards, XXXX for each business partner. During XX/XX/XXXX, there were multiple unauthorized transactions made from both cards amounting to {$4300.00}. 

We have reached out to the bank and made several claims, and so far, have recovered {$2600.00} between XX/XX/XXXX and XX/XX/XXXX. We have continued reaching out to the bank to recover the remaining balance of {$1700.00}, but they have been unwilling to solve the problem, claiming they can not access data from over a year ago, hanging up the phone on multiple calls and turning over the claim to another bank officer to start all over again. We scheduled an appointment with them on a local branch only to be turned down once we arrived, where they claimed they can not solve the situation on the branch. 

We have offered to send them copy of our records ( including the relevant bank statements and transaction summaries ) so they can process the claim and reimburse our loss, but they refuse to receive 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 monetary relief
Consumer complaint received 2022-08-01
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$580.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$15000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX : {$110.00}

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 non-monetary relief
Consumer complaint received 2022-12-09
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp transaction # XXXX where I was scammed and the merchant blocked me when I tried to retrieve the goods I purchased. This service protects scammers and even filing a dispute with your bank will do nothing at all. They can't get the funds back and expect you to work it out with cashapp and their non existent customer service. Very upset and I encourage many to not use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-09
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:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXX for {$850.00} 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2022-06-09
Company: Sequium Asset Solutions, LLC
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:
I have made an attempt to reach out to the debt collector, in XX/XX/2022, to resolve this manner for {$1400.00}. The contact number that is listed, there is never anyone available to reach. I do not feel comfortable leaving a voicemail with my name and contact information due to the circumstances. I spoke with a representative at XXXX to gather more information that was listed by the debt collector because I was sure that I had no dealings with " XXXX XXXX XXXX, XXXX ''. I have also reached out to the original creditor, in XXXX XXXX, and they stated that there was a {$0.00} balance and no outstanding balance with them. The original creditor stated that everything was already paid for by my insurance, in both XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I was provided the number to XXXX XXXX XXXX, XXXX patient services for billing and spoke with ( XXXX XXXX who also stated that there was no balance for services with them. She also stated that she was able to see all dates of services and the balance ( s ) were {$0.00}, all paid by insurance. Also, she ( XXXX XXXX stated that if anything was sent out with collections she would have been able to see that on her end and there was nothing in collections. This account is deemed to be fraudulent and I am requesting for further actions to take place so that proper removal may be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I chatted with Sallie Mae on XX/XX/2022 and requested information about how my loan payment was being applied. I was told I needed to call customer service. I called them the same day and requested an amortization schedule. I was told I would receive it in 24 to 48 hours. I never got it. I called again on XXXX, received the same information, and was told it would be provided in 24 to 48 hours. It was not provided. I send a written letter on XX/XX/2022 requesting again the amortization schedule. I have not received. I am paying {$100.00} more each month and they are charging me more interest than what I am making in payments. I am also a part of the XXXX class action suit. Sallie Mae has not acknowledged or put my loan in forbearance nor responded to my call for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX 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
Consumer complaint received 2017-04-26
Company: AUDIT SYSTEMS,INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX     2017   XXXX  Never dealt with account, account/ company unknown / fraud

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: AES/PHEAA
State: TX
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 checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: ENCORE CAPITAL GROUP INC.
State: NC
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: GA
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 am writing to plea for my dispute to be opened and attended to for my card ending in XXXX. Depsite XXXX attempts its been turned down on a higher level. On or about XX/XX/XXXX I purchased a 2 year term warranty from XXXX XXXX XXXX XXXX for {$5500.00} that was supposed to take effect on XX/XX/XXXX. On or about XX/XX/XXXX XXXX attempted numerous times to get in touch regarding my vehicle. After getting in touch, both XXXX and I were ignored, not answered, not helped, and not provided the service per the contract. XXXX ( the rep ) responded through XX/XX/XXXX without any further responses despite numerous attempts on my part which is very well documented. It is very apparent this is how your company operates, you can see it on the google reviews, and their XXXX  profile further proves your fraudulent company. I reached out on or about XX/XX/XXXX I attempted to dispute this initially. Ive worked managing gyms my whole career and Ive seen chargebacks go back a year due to contract charges and service not provided. The dispute team tried explaining to me I was a couple weeks outside of some 118 day window of dispute, but nonetheless the did attempt to open it, a rep called and explained I wouldnt be awarded my whole dispute amount but more of a partial amount for the months not used, I wasnt happy but I would accept it, then I get a letter saying there is nothing chase can do about the dispute. The company provided a forged signature contract so I uploaded evidence proving it was no where close to my signature or initials, then they said my repairs were not covered by the contract the contract CLEARLY states automatic transmission is covered and thats what my repair was, again in the XXXX line it mentions sensors in general which a sensor went out as well meaning the repairs ARE supposed to be covered. Go on XXXX  and XXXX read their reviews, this is what they have a pattern of doing ignoring the client then saying it was not covered whether it really was. They are a scam company. I am begging for someone to help me with this remaining {$1300.00}, a fraudulent company scammed me and instead of being protected by my credit card company I am told oh well. I am going to keep pushing this both with the company and with you chase bank even as far as small claims if need be. This is not ok, and as big of a company you are, I would of thought youd care and protect your clients much better than this, it is very negligent on your part. Im praying for help and that you do the right thing in this matter and push this dispute. I truly feel victimized in this situation, and am very skeptical about using cards and purchases. I Feel Chase has fully let me down and did not provide consumer protection as promised when using credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
An accordance with the fair credit reporting act XXXX  account number 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 it also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cashapp froze my card after I put my pin number in wrong. It locked all transactions. I called them to have the card back enabled the first bad english speaking guy disconnected the call. When I called back the lady said she fixed the issue and it was resolved. The card is still locked and blocked from transactions. I waited for hours and hours with no resolution and then I tried chat support all they did was send me a bunch of useless templates that still wont allow the card to be used. Now cashapp is fraudulently holding my funds and card access hostage without releasing the hold on the card. I've explained to them the card is unlocked, its enabled but there's a system issue that is not allowing the card to make purchases and they clearly see that because when the card is declined it sends a cashapp notice saying the card is not enabled due to unusual activity. So I am beyond past frustrated dealing with this low budget foreign people that barely speak english and are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a refund for payments made during the pandemic freeze, and it has been over XXXX weeks and there is still no information about my request or any movement within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: OH
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 went to a car dealership to apply for a lease for a new vehicle and they told me they were only going to run my credit for their in house financing but they LIED!! they ended up running my credit to more than 10+ lenders WITHOUT MY PERMISSION! Very frustrating this has impacted my finances tremendously for me to only find out this is IDENTITY THEFT! These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX 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