BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.

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 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone, debit card & credit card were stolen on XX/XX/21 leading to {$7500.00} in fraudulent charges and now Bank of America is denying a portion of my claim for {$4800.00} because my pin information was also accessed. I never gave it to anyone or wrote it down so I don't know exactly how the perpetrators did what they did, but the fact remains, it was fraud. I reported it the day of. 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 monetary relief
Consumer complaint received 2017-07-30
Company: Activehours
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I 've been using the app Activehours for payday loans, never given me problems til now. You can only get {$100.00} a day and my max for my pay period is {$450.00}. I have a bank statement showing that they deposited {$300.00} in my account in one day which is impossible because you can get {$100.00} a day and I did n't ask for the loan nor did I even use it and they are going to take almost {$500.00} out my account for something that I did n't ask for. I sent them an email still waiting on a response

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
Consumer complaint received 2017-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Since the loan inception ( 16 months ) I 've been paying an additional principle only payment every month, only to find out now that they have been applying about 50 % of that to interest. I have demanded that they retroactively reapply 100 % of those payments to principle only, and they have refused. I 'm going to hire a lawyer but thought I 'd give this route a try first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CONN APPLIANCES INC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONN APPLIANCES INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONN APPLIANCES INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 non-monetary relief
Consumer complaint received 2017-07-01
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do n't have a contract with this company and the joint person that they are advising is on the account is deceased and has been deceased for 4 years now. I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: SYNCHRONY FINANCIAL
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On X/XX/2017, GE Capital Retail Bank, XXXX XXXX XXXX, XXXX NY XXXX, phone XXXX, frauded/scammed me during a loan process. I paid over XXXX in XXXX cards to them for fees, insurance, etc. At the end of the loan, they said for me to get the money, plus my fees back, I needed to pay over {$600.00} in taxes to IRS through them cause it was state to state loan, I refused, the loan was voided. They also sent me a check that bounced that caused my account to be frozen, costing me bank fees. The names of the officers from the bank, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
We took out student loans through XXXX XXXX XXXX. We were billed for all XXXX years, though my XXXX only attended for a few semesters. We have continued to pay, but the amount continues to increase and we are told different information each time we call. I do not feel this is being handled correctly and this is the same school that was closed due to fraudulent student loans. We have tried to resolve with navient, XXXX XXXX and XXXX XXXX as each of these companies have serviced the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
PLEASE SEE ATTACHED XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX, FL XXXX XXXX RE ACCOUNT NUMBER Checking XXXX XXXX XXXX and Regular Savings XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of 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 explanation
Consumer complaint received 2017-10-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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 have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.

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 2021-09-23
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear credit bureau, I recently reviewed my credit report and notice the following errors that are negatively affecting my good character and reputation. 

US DEPT OF ED XXXX Please delete this account from my credit report because it is reporting inaccurately in multiple categories. Which is a violation of my consumer right and the fair credit reporting act. 
- open dates - Last reported date - Last active - Latest payment ; Please update me with a new report once the investigation. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an Advance Checking account with HSBC in XX/XX/XXXX and closed it in XX/XX/XXXX. 

Since I earned more than {$10.00} interest from the account in XXXX, I was waiting for my 1099-INT. However, it has not been delivered to me, yet. 

I tried to log into online banking system to see if my 1099-INT would have been available there, but I was not able to log into online banking system. 

I was told later by an HSBC representative that I would not be allowed to log into HSBC online banking system since I did not have any active account with them. 

So, I asked two different HSBC representatives to mail my 1099-INT to me two different occasions around XX/XX/XXXX. 

Both of them insisted that HSBC 's practice would be to mail 1099-INT by XX/XX/XXXX of each year, which seemed odd to me because I believe banks are required to mail 1099-INT by XX/XX/XXXX of each year by law. 

They might have intentionally lied to me to avoid their responsibility or HSBC 's general practice may be in fact out of compliance. 

Anyway, they also insisted I should have waited few more days after XX/XX/XXXX. So, I did, but I haven't received my 1099-INT from HSBC, yet. 

I couldn't filed my tax return only because of the missing 1099-INT from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Used a Chase ATM to withdraw {$700.00} from debit card. Chase ATM did not dispense cash " This device has experienced a technical problem ''. However the money was withdrawn from my account. Chase branch was very unhelpful and told me to settle with my own bank, but my bank says Chase has my money! Chase continues to be unresponsive and unhelpful. Details of transaction below : XX/XX/17 XXXX XXXX XXXX # XXXX Card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA Term ID XXXX Sequence # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXXXXXX XXXX  XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 3 yrs, 9 mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 1 yrs, 6 mos ), XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX0 ( 1 yrs, 5 mos ) 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 non-monetary relief
Consumer complaint received 2017-10-23
Company: TCF NATIONAL BANK
State: IL
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 have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on Monday, XX/XX/XXXXi went to deposit a check into the wells fargo ATM. i went to the Wells Fargo ATM because a Wells Fargo bank teller told me that if i deposit a check into an ATM, the funds will be available immediately. after depositing the check, i checked my account to see if my funds were available and they were not. they were pending. i proceeded to call Wells Fargo customer service to ask why my funds are constantly put on hold when i deposit a check. they didnt help at all, they just told me the funds will be dispersed the next morning. This has happened every time i deposit a check. Wells Fargo also blamed the Federal Reserve and stated that they were still processing the transaction. i then proceeded to call the Federal Reserve to make sure. The Federal Reserve told me that it was all on Wells Fargo and it wasnt up to them. they then told me to file a complaint with this service. Wells Fargo has put a hold on my funds several times and that is not okay with me because i depend on those funds on that day and am now XXXX on how im going to XXXX today.

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