BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE ACCOUNT STATUS- DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX & XXXX BALANCE- AMOUNT DUE AFTER ACCOUNT WAS CHAREOFF HIGH CREDITXXXX AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE OF LAST PAYMENT-DATES DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX complied with this requirement.

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 2015-05-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling XXXX XXXX times a day, starting about two weeks ago. Each time I answered, I received no response. Also when I ignored the calls, they left no voicemail. Finally after them calling me four times already today, I answer in an aggravated time. I asked in a very irritated tone, " Who is this, and why do you keep calling me? '' They asked my name, so I repeated my question. They replied, " XXXX. '' I then asked, " With who? '' They replied with, " XXXX with ICSystem. '' I then proceeded to tell them that I did n't know who they were and to put me on the do not call list. Before I was able to say anything else, they cut me off and told me they do not have a do not call list and they 're debt collectors. They then told me that they would n't tell me what for unless I verified I was who they were looking for. I then hung up. I 'm looking for ways to stop them from calling, but my first step was to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: TX
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX XXXX XX/XX/XXXX {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX,

has violated my rights. 15 USC 1681 Section 604 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 an 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 any purpose.

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 2022-05-16
Company: Chime Financial Inc
State: CA
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:
On Thursday, XX/XX/12 at approximately XXXXXXXX XXXX, while I was at school in XXXX ( XXXX XXXX XXXX ) I received a notification from my bank ( Chime ) that {$340.00} had been debited from an ATM in XXXX XXXX, which is not my area nor somewhere I frequent at all. Upon receiving this message, I immediately checked my wallet to see if I had my Chime Debit card on me, which I did. I immediately called Chime to inform them there was fraud activity on my account. They told me they would block that debit card and send me a new one, but I could not actually dispute the charge until it no longer showed as pending. I continuously checked for pending to disappear next to the charge, which happened on Saturday morning, when I called and filed a dispute with Chime. On the same day, I got a response from Chime that they saw no error and were not going to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an online bank account through Bank of America using my social security number without my knowledge ( fraudulently ). I called Bank of America and closed the account and alerted them. I also called all credit bureaus to add an alert to my credit report that I was a victim of identity theft.

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 2022-01-03
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX The company name is IQ Data International. I dispusted a debt they refused to remove this from my credit and this is my formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Myself and one of my family remembers has received calls from DCI. I called in for a cease & desist, the representative I spoke to decided to threaten me and state the following " We will continue to look for her and find her. '' That was said to me even after I said to stop all calls from being made to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received many calls for several months now for a debt that does not belong to me. I have informed this company on ALL occasions, that I do n't know that person and that I have had my cell phone number for over 10 years. Since XXXX XXXX 2016 I have received 7 calls alone. 3 of those calls were hang ups, 3 were answered with me telling them again to stop calling because I do not know the person they are trying to reach. And I received another call again today. I filed a complaint on their website and now I 'm reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Paramount Recovery Systems, L.P.
State: FL
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, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND PARAMOUNT RECOVERY SYSTEMS, XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my 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 2022-01-03
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I sent {$1100.00} from one cashapp account I have associated with one phone number and bank account to a second cashapp account associated with a different phone number and bank account. For some reason I could not access the account to retrieve my funds. After over XXXX hours of in app support, several emails and attempts to contact by phone Cashapp representatives are telling me that I can not retrieve my money due to security. No one can tell me what security, no one can tell me where my money is, and there is apparently no escalation process. I do not understand how my money is being kept by this app and I have no recourse to recover it. Is this organization, owned by Square, not regulated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a deposit to my account with USAA on XXXX/XXXX/15 and received a confirmation stating it was received and PROCESSED on XX/XX/2015, however when XXXX items were presented that night they were returned. I have attached the PDF I made of my confirmation for evidence. When I called and spoke with a representative he claimed the deposit did not post until XXXX/XXXX/15 and as a result they returned both items. How can they justify returning my items after they misleading me to thinking my deposit was effective on XXXX/XXXX/15. They claim they have a cut off time and I made my transfer after this time, but this not posted on there website, nor did my transfer confirmation show an effective dateof XXXX/XXXX/15. More importantly the funds reflected in my available balance immediately after the transfer. This is extremely deceptive and only allows USAA to charge fees to clients unfairly and create financial havoc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I want to know if I was harmed by illegal activity since I had a Wells Fargo car loan that may have had higher interest and fees charged to my account but I am not sure how I can verify if I was affected.

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 2022-01-03
Company: Asset Management Outsourcing, Inc.
State: FL
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, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Diversified Consultants, Inc.
State: DC
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:
We have received repeated calls from Diversified Consultants attempting to collect debt on behalf of XXXX XXXX XXXX. We have never been a customer of XXXX XXXX XXXX ( they do not provide service in the XXXX area ) and I have confirmed with XXXX XXXX XXXX that we have never had an account. The callers attempt to obtain personal information from my family even though I have explained to them that we have no business relationship with either Diversified Consultants or XXXX XXXX XXXX. After searching Diversified Consultants name online, it appears that this harassing behavior is common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2018-01-17
Company: EQUIFAX, INC.
State: PA
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 've called XXXX numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: PA
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 've called Experian numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.

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 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
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, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? Experian, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

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 2022-01-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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 signed up for a free trial of Banana Republic Style Passport in XX/XX/XXXX. According to the Terms and Conditions, I clicked on the link in my membership profile to cancel, which led me to a screen saying if I would like to cancel I need only to send an email to XXXX. I have been a long-time shopper at Banana Republic but realized this subscription service wasn't for me. 

I sent the email to cancel my free subscription on XX/XX/XXXX. This email should have executed the cancellation per Banana Republics Terms and Conditions. On XX/XX/XXXX they sent an email back asking me to confirm the email address with the account I would like to cancel, so I responded to confirm. They sent me a third email with a list of offers for me to stay a member with the last line of the email being if I would still like to cancel to send an email. The Terms and Conditions do not state that in order to cancel I need to send multiple emails to Banana Republic. I sent the initial email saying I would like to cancel and my subscription should have been cancelled at that time. 

Banana Republic charged me monthly for {$81.00} from XX/XX/XXXX- XX/XX/XXXX. This equates to a total of {$1400.00}. 

I opened up a dispute with Synchrony Bank who runs the Banana Republic cards. The dispute what closed after Banana Republic sent pictures of emails that was sent to my address about " Style Passport '' as proof I should have known I was still a member. 

Synchrony Bank told me that because I did not send in a letter or my own documents with proof of my initial cancellation email that the dispute was closed. It was not made clear to me that I needed to follow up with documentation proving the email was sent. 

I have opened up a second dispute after calling Banana Republic directly to discuss on XX/XX/XXXX, when they said they can only repay the last four months of charges.

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 2016-05-25
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation