BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
To Whom this may concern. 
I have on multiple occasions attempted to file disputes by phone with Transunion regarding multiple hard inquiries on my Transunion credit report. Each time that I have attempted to file a dispute I am being told that I have to contact the creditors to have the inquiries removed. When I contact the creditors they advise me that I have to dispute them with the credit reporting agency. Transunion representatives will not allow me to file a dispute regarding the hard inquires that I did not authorize. This is an unfair practice and it is affecting my credit negatively and that is the reason for me filing this complaint. The inquires are not authorized by me or a result of me requesting credit, insurance or employment or the result of a court order and I want them removed. Immediately. 

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 2022-04-29
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is refusing to do a method of verification for my dispute.

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 2022-04-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  XXXX  # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A 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 NUMBER 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 2019-11-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i put furniture for sale on XXXX XXXX. XXXX contacted me stating he was moving from colorado and his company was paying for the relocation. He emailed me a check of XXXX and he instructed me to deposit it to my account via my XXXX XXXX. He asked me to pay his " movers '' and for me to keep the {$700.00}. He asked me to send {$1400.00} to his movers via XXXX at email XXXX and he confirmed with me movers would be at my house sunday for pick up. Sunday came around and he texted me that afternoon he son was in the hospital, needed emergency XXXX and will not be relocating at the moment. I told him i would send him back {$700.00} for his purchase. he asked me to send XXXX via XXXX to XXXX, in which i did.Five days later the check bounced and the bank took XXXX and is not considering it fraud because i was the one who deposited the check. Chase has not been helpful at all in my situation. Check Issued was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX BANK IS XXXX XXXX XXXX ACCT # XXXX. I DONT KNOW IF ROUTING # ARE XXXX OR XXXX ( both are on the bottom of the check )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On Saturday, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " XXXX '' credit bureau. However, on " Page XXXX of XXXX, '' under the " Account Review Inquires '' it unlawfully notes that a Debt Collection agency called " Diversified Consultants '' unlawfully accessed my " XXXX credit file and then posted a false " Collection '' notation on to it dated " XX/XX/XXXX. '' This " Diversified Consultants '' company intentionally violated my " Due Process Rights '' per the ( Federal ) Fair Credit Reporting Act because I was NEVER contacted in any way by this Debt Collection agency. Furthermore, it does NOT even state the alleged " Amount '' of Debt that it 's trying to collect NOR does it state " What '' type of Debt it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried to use my debit card at a store to find out that my card was declined. I thought that it was strange since I had plenty of money in my account. I discovered on my online banking with Wells Fargo that someone had set up a Bill Pay on my account to a XXXX XXXX XXXX account and made two transaction of {$900.00} and {$900.00} consecutively on XX/XX/2022. ( Noted that I am not associated with XXXX XXXX XXXXXXXX in any form ). I'm assuming that someone ( fraud ) has gotten information online of my online account from a malware of some sort or from the pattern of debit card shimming that has been going on and made that transaction themselves. I have called customer service fraud department for Wells Fargo but eventually weeks later, I have received a letter that they decided to deny my claim and concluded that I that I gave that information to someone I knew or I made that transaction myself. I have not given any information to anyone I know my bank account for any reason. It would be foolish of me to do that even for anyone that I trust. I have been with Wells Fargo for many years ( even when they were called XXXX ). I have never had an incident like this before. It has been very frustrating to me in why they would think logically that I would clear out my whole bank account and be in the negative on purpose. I have feel that Wells Fargo did not try to see my point of view of how this situation could happen but being unable to contact the investigator is very frustrating for me because I felt as though that Wells Fargo would try to use any excuse to prevent me from getting my money back. I feel very wronged by Wells Fargo and that they were not willing to help me from a loyal customer from many years. I have submitted a police report regarding this situation so that it is legitimate and that I am not faking these unauthorized transactions. I am using this as an accountability that those transactions were not done by me or anyone that I know of. Thank you for your time.

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 2017-04-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I have a Macy 's American Express card. On XX/XX/2017, I had a balance of {$4.00}. I am enrolled in autopay. The {$4.00} was paid in full on XX/XX/2017. On XX/XX/2017, I was charged a {$2.00} finance charge, after my account was paid in full/I had a XXXX balance. I contacted the credit card & they told me I was charged the fee because I carried over a balance the month before. Therefore, I would have continued to have a {$2.00} balance every month because I would constantly be carrying a balance.

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 2022-04-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/202XXXX XXXX XXXX {$7500.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXXXXXX XXXX {$0.00} / XX/XX/2020

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 2017-04-12
Company: Phoenix Financial Services LLC
State: MD
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 am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Flagstar Bank, N.A.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When XXXX XXXX switched to Flagstar in XXXX 2019 I entered the local branch to inform the bank I would be closing my account. The teller suggested that I wait to see if there were any reoccurring transactions for the month of XXXX to might come through before I closed the account. I had 2 transactions that came through and went to the branch to make a deposit of {$200.00} dollars to make the account current and close the account ( This was XX/XX/2019 ). It was my belief that this account was closed and everything was fine. Again this was XX/XX/2019. There have been no communications or anything from Flagstar. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX, a debt collection firm, in an effort to collect a {$170.00} debt from Flagstar Bank. Flagstar was charging the account i wanted to close and charging me $ XXXX/day for 30 days. I paid the credit agency the money owed because I did not want anything on my credit and contacted Flagstar cooperate office for an explanation and possible refund. Cooperate office told em that the charges form the local branch should have been written of and at the very least should have contacted me. None of which happened. The FIRST and ONLY communications regarding an open account or negative balance ( because of monthly maintenance fees ) came from the collection agency. Cooperate office directed me to call my local branch to have the situation resolved. I spoke with an associate of the branch ans she said she would do research and get back with me. She called me back and had no answers for most of my questions. She could not understand why the branch had made no attempt to contact me. She indicated that there is no record of me entering the branch ( despite the fact I made a deposit in XXXX to cover the charges ). There are multiple issues with these banking practices. First, I never agreed to have my XXXX XXXX account switched to Flagstar. Therefore any of the policies that they decided to impose on me were not of my own free will nor do they have any signed documentation saying that I agreed to said policies. Secondly, I wanted the account closed, and it was never closed. Finally, the bank continued to charge my account fees and overdraft based on those fees. I did not charge anything nor was anything charged to my account other than the maintenance fees imposed by Flagstar. By no accord of my own, Flagstar over-drafted my account and then began charging me {$6.00} dollars a day for the next 30 days before selling off my account to a collection agency. In addition to malicious banking practices, they still have not explained to me how/why XX/XX/2019 is the first communication I received regarding any of this.

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 2017-04-11
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from from XXXX regarding a debt I owe. I responded back informing them to validate the debt and provide the following : provide a license authorizing them to collect the debt and Proof of unbroken chain of title from ( XXXX ) to ( CCS XXXX ) authorizing ( CCS XXXX ) to collect alleged debt. 

If debt was purchased from ( XXXX ) by ( CCS XXXX ) provide proof of purchase and the amount that was paid. 

I have yet to receive the requested information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please update this account completely from my Credit XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX of this year I called National Credit Adjusters ( NCA ) because I received an eviction notice to vacate my rented home. The owner is destroying the dwelling and building a new subdivision. I went to purchase a home and found that NCA had reported that I owed XXXX , I called to dispute but they convinced me that the best way to have it removed was to pay it. I did, reference # XXXX, spoke to XXXX XXXX, and it would be removed. After writing them calling them, disputing to XXXX, sending XXXX proof by the coorospondence, calling XXXX the account still shows on my credit report. They finally reported it as paid last week but it is still on the report and is preventing me from a home loan with XXXX XXXX. They told me the VA would not approve the loan untill it is removed. I will soon be homeless because on XXXX XXXX I must go before a judge in XXXX XXXX County FL. to explain why I have not moved. NCA has stopped returning my calls and stated it will remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from this company and told them it was the wrong # that I never had an account with them. They proceeded to tell me they wouldn't have called me if I didn't have an account and demanded an account # or ssn. I again told them I have never had a loan with them and to remove my number. I was hung up on by 3 representatives. None of them would transfer me to a supervisor and their collection practices with voicemails is unprofessional. I advised them this is a violation of my rights and would be reporting them to the cfpb.. They again hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HARVARD COLLECTION SER accounts # XXXX XX/XX/2019 Balances {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BANCO POPULAR DE PUERTO RICO
State: CA
Product: Credit card
Issue: Rewards

Complaint:
For the 4th time, I have called this bank today about a discrepancy in the sign-up bonus on a credit card. This stemmed from an error on their website where the promotional code for the bonus did n't seem to be included with the application. I immediately called them two weeks ago on XX/XX/2017 when I noticed the issue after completing the application. They told me they were taking notes on my account about the promotional code XXXX for XXXX miles and not to worry, that I should call back once the credit card is approved and they can add it ( the second time was when I got conditional approval but I was asked to call back again ). I called a third time when the card was actually approved and they asked for the code and said it was no problem to apply it to the card and that they would. Now, since I only received XXXX points and not the XXXX I was expecting, I called again and asked why there was the discrepancy and why the code was n't applied. The agent claimed there were no notes on the account about this but he had sent a request to his supervisor to apply the code and adjust for the the extra XXXX miles. I have no faith at this point they are doing what they claim and telling the truth where they actually attached the code to the account and will reward the proper amount of miles and feel I have no other option but resolution by this means. I have full records of all these calls.

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 2017-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I hand it a {$9000.00} in cash to a teller at my bank without a deposit slip. She took the cash and run it through the machine, I did not have a visual to the counter and she moved to the side with cash in her hand talking to the teller next to her for a minute or so, then she came back typed in her computer and hand it a receipt to me with only {$8000.00} in it, I told her that I had brought {$9000.00} and I want her to recount the cash, she told me that she has put the money into the recycler and she ca n't opened the safe so I asked for the manager, she told me the manager wo n't able to opened it either. So I told her that I 'm going to check my record at home and I will be back so I did, came back and I asked for the manager. He also told me that he ca n't open the vault until the closing but he will call me next morning at XXXX. I had to call him after XXXX. He told me that the cash in the vault was balance and there was no overage so I asked for an investigation. The only things the bank did is run an audit but never investigated the incident. I wants for the bank to investigate to the full extant of what happened including visual video footage and also documents of that day cash reconciliation.

Company response to consumer: Closed with explanation