BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : XXXX XXXX XXXX XXXX, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX CA XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on behalf of USAA Casualty Insurance Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with USAA insurance Co. nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX CA ). 
This is suspected as ID Fraud maneuver originated from USAA which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Spring Oaks Capital, LLC
State: LA
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Global Lending Services LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my vehicle on XX/XX/23. It was financed through Global Lending Services. My payments were due on the XXXX of every month starting on XX/XX/23. I made all of my payments early on XX/XX/23, XX/XX/23 and XX/XX/23. My vehicle was hit by another driver on XX/XX/23. The other drivers insurance company informed me on XX/XX/23 that they were totaling the vehicle. They told me they requested a 10-day payoff amount from Global Lending that same day. My next payment was due on XX/XX/23. Per Global Lendings website, You are allowed one due date change during the life of the contract. The account must be current with a minimum of one full payment posted and the new due date can not exceed 14 days from the original due date. I called Global Lending on XX/XX/23 and asked to change my due date to XX/XX/23 as I had met the qualifications of my account being current and had 3 full payments posted. This would allow time for them to receive the payoff from the insurance company. They refused to change the due date. I explained the situation. I was informed that I would have to continue making payments for up to 60 days while they dealt with Gap insurance. I informed them that there was no Gap insurance involvement as the insurance company was paying off the loan in full. I did not pay the payment that was due on XX/XX/23 because I knew the insurance company was sending payment in full. The insurance company sent payment on XX/XX/23. I have the tracking information from XXXX  that shows that payment was received inside their office on XX/XX/23. Global Lending has not yet applied this payment to my account. They keep harassing me via phone, email and text message demanding payment. They continue to add late fees to my account. I believe this violates the Fair Debt Collection Practices Act. Every time Global Lending contacts me, I have told them that the insurance company sent payment in full on XX/XX/23 and there is no Gap insurance involvement. They continue to tell me that I need to keep making my monthly payments for up to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM.INC I looked at my account and i realized this didnt believe to me. so i called and write them, no response

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 2023-07-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
A so called loan company ( XXXX ) contacted me and went in my account and reverse payment on old bill. They did that, to make it look like the loan was in there, they called back the next day and ask me to wire the money after I started to pay bills with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I bought a {$500.00} Vanilla Visa Gift Card at XXXX XXXX # XXXX. I gave it to my sister as a gift. She was unable to use the card and called the number on the card. They told her only the person who purchased the card could file a case. She gave the card back to me and I called Vanilla. On XX/XX/2022, I opened a case and sent them a front and back copy of the driver license, a front and back copy of the actual gift card, and the original receipt from the gift card purchase at XXXX. They responded and said it was a XXXX issued product ( the card clearly states it is a Vanilla card ) and asked me to send a copy of the receipt. On XX/XX/XXXX, I sent another copy of the receipt. On XX/XX/XXXX, I went to the XXXX where I purchased the gift card and they told me they could not do anything since it was not a XXXX card. When I did not hear back from them, I called Vanilla again on XX/XX/2022 and was told that my claim was denied. When I asked why, they merely told me to call the number on the bottom of the receipt. There is no number on the bottom of the receipt. They would not give me an answer as to why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-22
Company: WELLS FARGO & COMPANY
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:
I have received the Wells Fargo statement that has information about a bank levy of XXXX dollars from my Wells Fargo advantage checking. I could not maintain the Wells Fargo or XXXX accounts in XXXX because of not getting any wages from corporate since XX/XX/XXXX or capital settlement to employ it in other domains. I recently found out my email XXXX has not been deleted by employer XXXX. Since XX/XX/XXXX I was registrant of XXXX.info.I do not have any income from my domains or the software company domains. 
I need to get the legal order that was used to levy the bank account.The bank has not provided me.

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 2022-12-27
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, I contacted FirstMark services to report that I was unable to afford my monthly payment of {$320.00} ( which is more than XXXX of my biweekly paycheck ). They told me they were unable to lower my payment but I could apply for my LAST two months of forbearance. With XXXX, my only daughter 's XXXX birthday coming up on XX/XX/XXXX and the XXXX season shortly behind, I decided to utilize my last two months of forbearance, despite the fact that I'll be paying on this for another TEN ( 10 ) YEARS! On XX/XX/XXXX, I was notified that my forbearance was approved from XX/XX/XXXX to XX/XX/XXXX despite having made a payment on XX/XX/XXXX. The forbearance should have been approved from XXXX to XXXX. I contacted them and they told me I was wrong. 
On XX/XX/XXXX, I received a letter than my loan was entering repayment and my next payment would be due XX/XX/XXXX ( again, wrong ). On XX/XX/XXXX, I started receiving collections calls from XXXX XXXX XXXX telling me that I was 30 days past due and owed them {$640.00}. I was upset because it was 3 days before XXXX and the website was telling me I owed them more than {$950.00}. In tears, I spoke to a supervisor who told me this was a mistake on their part, that the forbearance was ended too soon and that they'd make the adjustments and send me a special letter detailing the circumstances of the error. I was reassured that mine and my cosigner 's credit reporting and would not be impacted. 
on XX/XX/XXXX, I received another collections call, spoke with another supervisor who said my request to fix their error was rejected and I'd essentially have to reapply for the forbearance I requested in XXXX. 
I'm actively drowning in this debt. Between this and my other private and federal student loans, I can not afford a home, I can not raise my credit score because my debt to income ratio is screwed. I need help. First mark Services is not able to service these loans sufficiently or in a way that doesn't prey upon hard working XXXX XXXX who followed the rules, went to college, went to XXXX XXXX, and have nothing to show for it except XXXX student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TD BANK US HOLDING COMPANY
State: UT
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:
We paid the full amount, they tacked on other fees. However, I was unaware that I should not have paid off a debt that is not mine. 

This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX and bought a used XXXX XXXXXXXX. Walking into the facility, I was already approved by XXXX for an auto loan. All I had to do was get the total estimate and they would write the check and one day ship it to the dealership. When I was sitting in the seat, I got a notification and it said my credit had been ran. I asked the XXXX XXXX about it and he said oh we run it one time just incase your check doesnt go through.After a couple of weeks, I receive a letter in the mail from XXXX XXXX XXXX saying I was denied a loan from the dealership when I was never financing through them and had a loan. And then I had 2 hard inquiries on my credit 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 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXXXXXX {$3000.00}. I keep trying trying to file a complaint, the website keeps crashing. Spoke to bank numerous times. Please just help. 

Ok it went through. So, for a year and a half Ive been having a major issue with Bank of America and fake accounts taking money from me. They would freeze my account and make me wait for a card. The problem that I keep telling them, is that IM A XXXX XXXX. That means Id have no access to the money I saved, etc. on the road. The one time I attempted to pull my money out and move to another bank, I was blocked with a withdrawal limit notice but I tried to transfer it. Its can range from XXXX XXXXXXXX {$40.00} at any random time. And the email and hotline they set up for the lawsuit does not respond to me at all

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 2023-07-22
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unknown individual set up a fraudulent account and scammed my employer on XX/XX/XXXX into transmitting my paycheck ( {$3200.00} ) to the fraudulent account on XX/XX/XXXX by forging an employee direct deposit authorization form with with my first and last name and an electronic signature of my name as well as the routing number, account number and name of the bank ( MVB Bank ). My representative and I contacted XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX to report the opened bank account with them as fraud. We initially spoke to XXXXXXXX XXXX XXXX XXXX who informed XXXX based on the routing and account number provided, that this was for a Credit Karma based debit account and XXXX  had no access or ability to look up these accounts. We were instructed to reach out to Credit Karma, which we did, and spoke to XXXX. XXXX informed us that there was no banking account under my name, last four of SSN, or with the full routing/bank account number that we provided to her. She stated that she was going to escalate the matter to Credit Karmas fraud department, which based on an email I received, she has done. She then instructed us to call XXXXXXXX XXXX as they would need to be informed about this fraud, which again, we did. This time we spoke to XXXX who issued the same advice we initially received from XXXX, which was to call XXXX XXXX and report this. We explained that we had already done so, and that XXXX XXXX instructed us to let XXXXXXXX XXXX know of this matter. I had XXXX XXXX for the account in their system with the full account number, which did not generate anything. XXXX told us she would be escalating this matter to the XXXX department at XXXXXXXX XXXX, which would reach out to Credit Karma to further investigate. We were told by both XXXX and XXXX that Credit Karma would reach out within three business days to further discuss the findings with me. They were supplied with my phone number to reach out to me once the appropriate person was assigned to the matter. As of today, XX/XX/XXXX, neither XXXXXXXX XXXX nor Credit Karma has responded to me regarding the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Leaders Financial Company
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing, the credit reporting from Leaders Financial. 

I purchased the vehicle in XXXX  from a friend who worked at the company at the time, my credit wasnt that great, but he said he was able to make things work on my behalf, about 4 months after having the car, I experienced some issues, I have been taking it to the dealer often. About a year later, the car stalled on me as I was driving to work, I was able to get it started again, drove to work, and left it parked there, I paid for an XXXX to get back home ( {$85.00} ). The next day I had the car towed from my job to my apartment. The next day I was told it is the radiator, and I would have to add water to the cool it down, because it was overheating. I relied on my vehicle to get back a forth to work, so I began seeking other options to purchase another vehicle. I went to a dealer that same day with the car, I called Leaders that day to ask what the payoff amount was for the vehicle, I was told it was XXXX. Unfortunately when the dealer went to inspect the car, he wasnt able to offer me anything for it, so I went back home, and decided to look the next day, at this time the car was no longer functional, and I got a rental for the week, I then went over to a dealer in XXXX, and was successful in purchasing a vehicle, I came home parked the vehicle. The next morning when I went outside the vehicle that was not working was no longer there, at this point I assumed it was stolen, because I just called leaders to ask for a payout quote, but when I called to tell them what happened, they said they would let me speak with the person who sold me the car, and he would be contacting me to determine what the issue was. I had never heard from anyone in regards to what took place, I had not received a notice of potential repossession, I was not offered an option to retrieve the car nor my belongings. Shortly after I was moving and had all mailed forwarded accordingly, and still no communication from this company. A few months later checked my credit report and there it was, I called and sent dispute letters but no resolve. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet has reported to the credit reporting agencies my monthly payments for my public student loans have been late since XXXX, XXXX. 

The US Department of Education COVID-19 Forbearance Program requires public student loan payments to not be reported late and be subject to forbearance until XXXX, XXXX. 

Thus, Nelnet is wrongfully reporting my monthly public stunt loan payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Chime Financial Inc
State: KS
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:
I had {$900.00} taken out of my chime account randomly in the middle of the night. It was around early XXXX XXXX  Chime will not dispute my charges, and says they do not see anything wrong with the transaction. This is my rent, money, and I have tried talking to the supervisor, and they told me they would try to rebuttal my dispute, but I know how thats going to end up not in my favor. Im a single mother, and money is tight for this to happen is not really stressful, but devastating. Chime has done nothing to help and Im very upset. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: KS
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:
On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$6700.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$6100.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$6700.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. 
I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$6100.00}. It was returned as insufficient funds on XX/XX/21. 
I disputed this transaction of {$6100.00} on XX/XX/21. Sent in all of the requested information. 
Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$6100.00}.

Company response to consumer: Closed with explanation