BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the Transunion, XXXX, XXXX and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that Transunion, XXXX, and XXXX send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.

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 2017-10-20
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I requested a loan of {$300.00} and the originating process went smoothly. Funds were granted immediately. The loan was requested on XXXX XXXX, XXXX, however, per my agreement, it was effective as of XXXX XXXX, XXXX. Additionally, the agreement states that the offer may be rescinded on the 2nd business day following the effective date, which is XXXX XXXX, XXXX. I called the company at XXXX eastern time and spoke with 3 representatives to request payoff initially. The individual said she could not do a payoff date of XXXX XXXX, XXXX, only the following date of XXXX XXXX, XXXX. Therefore, the finance charges would go from {$11.00} to roughly {$28.00} to {$29.00}, when opting to pay via ACH. I said this was unacceptable ; however, she indicated that I could pay today with my debit card but had to be transferred and connected me for support. I spoke with a new individual who proceeded to inform me that a debit card could not be taken prior to my first payment. At this time I asked to speak with a supervisor and was connected to XXXX ( id # XXXX ) located in the XXXX. She claimed that I could in fact rescind my offer of {$300.00} via ACH with no finance charges ; however, she stated that I agree over a recording. She stated the wrong payment date of XXXX XXXX, XXXX, and did not state the amount. I corrected her and she supppsedly processed the transaction but stated it would reflect on XXXX XXXX XXXX. I then requested a confirmation number, she said she could not provide one. She stated an email request could be sent to her support area to request email confirmation, but did not say when I 'd receive the payment confirmation of {$300.00} to principal. This company appears to be in violation of UDAAP and I did the right thing of paying my loan off early and in full. I attempted to get a supervisor and the claim was their information could not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: LEXISNEXIS
State: TX
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: Problem getting your free annual credit report

Complaint:
On XXXX XXXX of XXXX I requested a copy of my full file disclosure as well as a full suppression of my file information through Lexis Nexis Risk Solutions department through mail using the official form available for download online. Several weeks passed and I received no documentation. I attempted to contact the company through the email portal on their website and have received no response to date. On XXXX XXXX of XXXX, after vigorous research I attained a telephone number that directed to me a representative that could assist me with my situation. He stated that he could see no request for any file information or suppression. When questioned, the postal service informed me that the mail had in fact been delver to the appropriate location. The phone number provided on the LexisNexis Risk Solution Consumer Site is busy many times a day and when calls were processed, they were not answered. However, the number I attained did transfer me to a representative who was able to process my file disclosure request as well as my opt-out request. I was told this process would take up to 10 business days. On XXXX XXXX, I received mail with a document stating my file suppression request had been processed, however no file disclosure was provided. It is now XXXX XXXX of XXXX, a total of one month and I still have yet to receive any file disclosure since my original request. I have requested consumer files from over thirty of the top third party bureaus and have had little issues with all but two. LexisNexis Risk Solutions is one of them and as such an influential and large bureau/ investigation firm/ data reporter/ and multinational corporation, this is unacceptable and against the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check for {$2000.00} at my checking account that was given to me by outstanding debt and the check was a fake and I had no knowledge of it, the Bank now has me locked in all banks and can not open any checking account, I have tried to locate the person that means the check and i have been unable

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-11
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TransferWise Ltd
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account has been deactivated by Wise US Inc ( formerly TransferWise ) for pointing out a flaw in their customer verification, and I can not access the account or withdraw my money from my account. 

I have had an account with Wise since XX/XX/XXXX. One of my routine transactions on was blocked on XX/XX/XXXX by Wise citing verification of my ID. I uploaded my passport copy and was informed that it has been verified. But the transaction did not go through. 

I was then asked to upload a personal photo holding my ID. I was opposed to uploading personal photos due to privacy reasons and I have had several phone calls and email exchanges with Wise about how a personal photo would be a better verification than other methods such as XXXX, phone call, etc. I contended that using Artificial Intelligence ( AI ) to verify a photo may not be the best option. 

In order to prove my point, on XX/XX/XXXX, I uploaded a " doctored photo '' of my own to the Wise website. Wise promptly verified my photo ( most probably by AI ) and I was able to conduct transactions including transfer of money. Subsequently I informed Wise through email that the photo that I uploaded was " doctored '' and asked them how their system was able to verify my photo? I questioned their security and due diligence. 

I was given vague answers to my concerns but when I pressed about their security flaws again and again, Wise deactivated by account saying that my activities exceeded their " risk tolerance ''. On asking what this risk tolerance is and how I exceeded this level, Wise did not provide any answer. I believe this action was purely punitive to mask Wise 's lax security and their embarrassment.

I have thousands of dollars in multiple currencies in my Wise account. As I do not have access to my account, I have requested Wise to transfer my money to my own verified account in another US bank ; but Wise refused. Wise wants me to appeal to reactivate my account. I do not want to reactivate my account- all I want is to get my money back and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXXUSPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of XXXX, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AmeriFinancial Solution is as fraudulent as they get. This company has been harassing me for years about hospital bills they claim I owe. Every time you write them for more information or to Validate the debt Nothing but computer generated letters from their company. All the bills that was place on my credit report over the years I had to fight to understand how can you owe what they say because the bill is not a legit bill from the hospital with what services you were rendered or paying for. I have a primary Insurance & a secondary thru the state so when I started receiving bills from AmeriFinancial I taught it was a scam until it showed up on my credit report. Took me over a year to get them off of my credit because the bureau work with these companies to make money & they do that by keeping negative items on your credit. I recently got a bill from a different collection agency trying to collect on XXXX old hospitals bills. I contact my insurance company to find out whats going on & they said we have no claims that came in and is unpaid. Wrote back to XXXX XXXX XXXX requesting more information. They wrote me back that they bought all the debt from AmeriFinancial solutions & they did not have any of the information I was requesting about the debt so they are returning them to their client. That was in XXXX XXXX On XXXX XXXX I got a letter from AmeriFinancial Solution, LLC with all the same bills that another company is collecting on. I taught how is two different companies collecting on the same old debt at the same time. AmeriFinancial Solution thinking they are smart added all the bills together & turn it into one bill. Still not saying how they came up with the amount owed because they have been just putting what they want on paperworks with no proof or validation. In the paperworks they are saying I paid {$820.00} But have a balance of {$99.00} so where did the balance come from? They cant say or validate. But they sold all the debt to another company Totaling {$940.00} this company is so shady selling the debts & still collecting on it & the credit bureau will just add it to your credit with no validation. I have enough paper trail to sue this company with all its misinformation & lies I have been dealing with them for years. A new on just piped up for {$99.00} that I already had removed because they couldnt verify/Validate so they waited about 6 months & reported it to all 3 credit bureaus with a different amount of {$99.00}. They have written me with so many different account I know they are making up the amount & making changes to make it look like a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: NY
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 1XXXX16 I purchased {$7700.00} worth of what were supposed to be refurbished phones from a company called XXXX XXXX. The phones were not refurbished and therefore useless to me. The sales rep took full responsibility initially and told me he would take them back. His manager refused to take them back. They claimed they sent me theire " no return '' policy but I never received it. In the information technology business, it 's unheard of not to stand by the products you sell unless you happen to be completely unethical. I tried to contact the owner to resolve the dispute and he would not return my call. I then immediately disputed the charge with the credit card company. I provided evidence from my email that no policy was ever received by me. I had done one transaction prior witht he company in which they purchased equipment from me and that went very smoothly. I had no reason to believe this purchase would be a different experience. I returned their equipment at my expense. They refused delivery. I am currently in posession of these phones and completely willing to ship them back in return for a refund. The phones are virtually worthless and I have been a victim of a very unethical company. Chase Inc. has decided it is a valid charge despite the fact that I never received any return/refund policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In 2018 I had my truck towed in to shop for repair ( XXXX XXXX XXXX during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Chime Financial Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX closed with a balance of XXXX $ sent to collections I settled with the collection agency of XXXX on XX/XX/2021 would like this off of my credit report. 

XXXX XXXX closed sent to collections with a balance of XXXX called XXXX on XX/XX/2021 they took it out of collections and I paid the full amount would also like it off of my credit report. 

Chime credit builder card- the account has no current balance owed would like this off of my credit due to me closing my checking/ savings along with my credit builder card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, my financial institution, Bank of America, withdrew money ( in two transactions ) totaling {$4500.00} from my checking account to satisfy delinquent revolving consumer credit card debt that was being charged off by the bank. Federally chartered banks like Bank of America are prohibited from using offset to satisfy consumer credit card debt as per federal law.

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 2020-09-06
Company: Google Compare Credit Cards Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Unauthorized charges/purchase on Tuesday XX/XX/2020 at XXXX XXXX   of {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX..And it said google refunded it but there is no trace of it being refunded back to Mastercard ending in XXXX XXXX I need my money now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sometime last year I went into a XXXX XXXX  store in XXXX, CA to make a purchase. I was a long time XXXX XXXX  cardholder and was planning on using my XXXX XXXX card to make my purchase. The associate at the register told me that if I would apply to upgrade my current XXXX XXXX  credit account I would qualify for an extra discount. I told her I was not interested in opening another account or having my credit pulled. She explained I was only upgrading my current account to a XXXX XXXX XXXX XXXX and not opening a new account. I continued to decline and the associate continued to pressure me to accept after much back and forth I reluctantly agreed so I could purchase my items and leave the store. In order to keep my account current I decided to go online and setup auto-pay so that I would never miss a payment or become late because I know credit card companies love to charge consumers hefty late fees. Recently I became aware that my XXXX XXXX account was past due despite the fact that I was enrolled in Auto-pay. I was shocked and angry as I had recently received an email from XXXX XXXX stating my account was enrolled in Auto-pay but no payment was due at the time. After calling XXXX XXXX I discovered that I had two different accounts and Auto-pay had been setup on one of the accounts. It turns out that the associate lied and deceived me into opening an additional credit account with XXXX XXXX. The emails being sent from XXXX XXXX gave me a false sense that my account was indeed current and I had nothing to worry about. The fact that XXXX XXXX trains their associates to lie and deceive customers to open credit accounts without their knowledge is criminal. I asked XXXX XXXX to remove the negative marks from my credit because of the confusion and they denied my request. I called back several times to speak to a supervisor and was hung up on or transferred to XXXX. XXXX XXXX needs to take responsibility for there criminal actions.

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