BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: GMA Investments, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company I XXXX as " XXXX ' XXXX called multiple times claiming I owed them and that they were filling letters for recommendation of legal action. They never identified themselves as a company or stated whom I owed money to. The only thing they wanted was a credit card number so that I could " settle '' the debt before legal action was taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion is posting three Unauthorized inquires that may be fraud related on my profile I have tried contacting the creditors to get them removed and have contacted TransUnion multiple times regarding the issue and they have not done anything about it.

The three inquires that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2016-08-16
Company: LPSG
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call a few months ago, stating that I was going to be served paperwork at my place of employment for a debt that was 8 years old. They insisted that if I did n't pay that day they would garnish my wages via service from a uniformed officer. I asked for written confirmation of the debt believing that the debt was out of the statute of limitations and they would not provide that to me, they emailed me a letter that looks like it was written in word, they have a fake one page website and their phone numbers are n't traceable online. They have withdrawn almost XXXX from my bank account. I became suspicious when the debt was not listed on my credit bureaus. Also I am not able to find any documentation at our home of official correspondence that we had been properly notified. They claimed I had a judgement pending and that there was garnishment language.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent info to reduce my credit card payment and discover did not keep ther end of the deal and are still attempting to collet from me. but i made the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/2015 and unauthorized person used my information to obtain a credit report on XXXX XXXX. Upon verification of my credit history from this site XXXX credit cards were either attempted or opened XXXX days later at XXXX, XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX did not validate the request by me and now my identity has been compromised. XXXX XXXX has no published phone number for support and does n't have a clear policy in regard to identify theft yet provides, based on website description, fee access to credit history. A police report and a case has been opened with the FTC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I had TWO fraudulent transactions occur from two merchants, XXXX XXXX and XXXX for {$100.00} and {$110.00} respectively. I called Chime to dispute the transactions. They advised me that I would receive a provisional credit, an investigation would occur that could take up to 90 days, and I'd be receiving a new debit card. On XX/XX/XXXX, I received the provisional credits. I called both merchants on XX/XX/XXXX and had to leave a voicemail with XXXX Scales. I was able to speak with XXXX in the billing/fraud department of XXXX and she advised me that they already had the transaction flagged on their end as fraud and they refunded my money back that day. On XX/XX/XXXX, Chime took back both credits and sent me an email stating that NO fraudulent activity occurred. On XX/XX/XXXX, I received my new Chime debit card in the mail. I called Chime and had them open another dispute into XXXX XXXX since I had not heard back from the merchant yet. I received a provisional credit on XX/XX/XXXX for this. On XX/XX/XXXX, the credit was reversed again and Chime stated NO fraudulent activity occurred. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX called me back and stated that the transaction that occurred on XX/XX/XXXX for {$100.00} was in fact fraud and I'd be receiving a refund. Today, XX/XX/XXXX at XXXX, an amount of {$110.00} from XXXX was taken from my account. I called XXXX and they can not find any transaction or activity that occurred on their end with my NEW debit card, name, or bank account information. I called Chime right after the call ended and a representative advised me that XXXX had taken back the money they refunded me on XX/XX/XXXX. I called XXXX back and they stated that is not true and that is not something they do once a customer has been refunded. So Chime really wants me to believe that XXXX SAW the fraud alert for the transaction that occurred on XX/XX/XXXX and gave me my money back on XX/XX/XXXX, but have now taken back the refund they gave me a whole 14 days later. That's absolutely absurd! I also went to Chime 's twitter page to seek more guidance and Chime is hiding tweets from other Chime members who have experienced fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a bank account with USAA in which I no longer have access to do to fraudulent activity. There was almost {$5000.00} worth of charges to my account from overseas in XXXX XXXX XXXX I spoke with the bank and they told me that they worked along with their fraud department and came to the conclusion that I was being accused of being involved in the fraudulent activity of my account which I was not. I called the fraud department many times and got no answer. The case has been closed and I was told not only would I not get the remaining balance in the account, but that I owed the bank money as well. 
Also, my account was connected to my mother 's account with USAA as well and her account has also been frozen and she is also unable to remove her remaining balance. I believe that my personal information was somehow stolen, also a college that I once attended ( XXXX XXXX XXXX XXXX ) sent out letter later that year advising students that there was a hack in their systems and students personal info including name, addresses, and social security numbers had been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Real Time Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter all of a sudden with a settlement offer, after disputing information on credit report requesting debt validation. It has been over 30 days and company has not responded with validation of debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2015-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX XXXX XXXX, Account # XXXX. This account is paid in full with a XXXX balance. Transunion has been contacted several times with documents provided such as a letter from the company and my cancelled check to no avail, since XXXX/XXXX/2015. Due to the length of time involved, Transunion should delete the record in it 's entirety under the guidelines of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: U.S. Auto Credit Corporation
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I purchased a car and it was financed through US Auto Credit. They wanted payments every two weeks but not on my pay dates. Payments have been made every two weeks then in XX/XX/XXXX I received a call from them saying I missed a payment in XX/XX/XXXX. No mail or email saying that. So I was late more than 6 times paying them which has affected my credit score. I have been searching for that so called missed payment. Then on XX/XX/XXXX they were to take my payment from my checking account. On XX/XX/XXXX they called me saying my bank account was closed and they could no longer take checks from me. I immediately went to my bank and my account was not closed. They are charging me a late fee again and a non-sufficient fund fee when my bank has not. My account was never closed and when I asked what account number they have, the rep, " XXXX '', told me we only have what you gave us. I asked to speak with a supervisor but no one has called me yet. The supervisor s name is XXXX. I was told by XXXX they do n't waive fees, although I did not incur any. She wanted me to make a payment with a debit from the bank she claims my account is closed which makes no sense. Maybe it 's because they charge {$4.00} fee to pay with a credit/debit card, and there is no fee to pay by check. This company has the worse finance company. It does n't help you but hurts your credit and relationships with family. They call my family and friends constantly as well as me. Enough is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-07
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a XXXX XXXX customer. 

This is regarding an early termination fee demand of {$200.00} by the Attorney of XXXX XXXX for de-activating and/or early termination of service from XXXX XXXX. 

On XXXX XXXX, XXXX, I bought an XXXX phone from XXXX XXXX, XXXX XXXX, XXXX, VA XXXX for {$49.00} ( Carrier : XXXX XXXX ). 

However, on XXXX XXXX, XXXX, I went out the country and de-activated the phone and paid the balance amount in full to XXXX. When I returned from abroad, I again re-opened my XXXX XXXX account ( Account No : XXXX ). 

When I bought the devicep/phone originally, I asked the sales person to clearly state and write the cancellation/termination policy and fees because consumers normally do not read several pages of agreements in fine/small prints. 

He told me that I have a no-contract service ( XXXX ) with XXXX and that I can terminate the service at any time by paying the full amount of the device/phone. 

On XXXX XXXX, XXXX, I received a letter from Aldous & Associates , PLLC, XXXX XXXX, XXXX, UT XXXX, asking me to pay {$200.00} for cancellation of my service with XXXX. 

I did not sign this agreement that I would pay {$200.00} to XXXX XXXX for early cancellation of service from XXXX. The sales person never told me that I have to pay this amount. My daughter, who was with me, is the witness. 

If I knew there was an early termination fee of {$200.00} due to XXXX XXXX, I would not have bought the phone and enrolled in XXXX 's XXXX program, which is a " no-contract '' service by which the customers could terminate/cancel their service at any time. 

Since I did not sign a contract to pay {$200.00}, and since the sales person of XXXX XXXX did not disclose about the early penalty of {$200.00} to XXXX XXXX, I do not owe any money to XXXX XXXX. 

XXXX XXXX must be instructed to train its employees to clearly instruct the customers that they would have to pay {$200.00} early termination fee to XXXX XXXX for early termination of service from XXXX, even if they have a no-contract ( XXXX ) service with XXXX, so that XXXX would not defraud the customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit carma report it shows that there is debt transaction on my SSN which was given to collection agency. One transaction on transunion on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the the inaccurate inquiry on my Credit Report and upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXXXXX XXXX  Date of inquiry XX/XX/2021

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 2017-02-11
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.

Company response to consumer: Closed with explanation