BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
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: Old information reappears or never goes away

Complaint:
XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.

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 2022-09-29
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2017 Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to 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 2022-08-23
Company: ALLY FINANCIAL INC.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I made a prior complaint in XX/XX/2022 regarding receiving a refund for the overpayment on my payoff and the refund for my GAP insurance. The company reported to you in XXXX that all of the refunds had been processed with the GAP being sent out on XX/XX/XXXX. You closed the complaint. While I have received the overpayment refund, I have yet to receive the GAP insurance refund despite calling over and over and getting a different story every time. I just want my money back and for Ally to stop these predatory practices. If they are unwilling or unable to perform their end of loan duties, why are they in business. I would never get another loan through them based upon this experience

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my wife sent a total of XXXX through XXXX using my account. As soon as she informed it was a scam I immediately contacted XXXX and was told to contact my bank. The following morning I went to the bank in person and was informed since it was an unauthorized transaction I would be able to file a dispute and receive my money back. However unfortunately a week later I received a letter saying No action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Genesis Card sevices, which I have a account with on another Card Milestone unknowest to me send me a credit card under the name Desitny Credit Card, While I reviewed my credit report on XX/XX/XXXX I saw a balance of {$75.00} from Destiny Credit Card, I call them the same day and reported this to them. They told me I must have applied which I stated I did'nt they said that was a proccessing fee the {$75.00} even if the card has never been recieve or activated, at this time a supervisor came on phone and stated that this matter would be resolved. Upon checking my score XX/XX/XXXX I saw the charge still on my report. I called and talk to a foriegn agent and was told there is nothing that can be done and I have to report fraud, mind you this Desity card has never been activated.Question I ask was how can this be, that am being charge {$75.00} for and card not activated and one I never applied or recieve. Am filing this complaint so that people won't be trap in paying this fee. 
The have all my info due to I have a account with Milestone. Please avenues I have to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: DE
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:
I paid my account in full, and have the receipt and proof of this account being closed. 

It is still being reported on my credit report, and I wish for it to be deleted immediately. 


Creditor : XXXXXXXX XXXX  Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail saying I owe amcol systems XXXX dollars I dont know who they are I never used their service who please can you you have them verify that I have used them XXXXXXXX XXXX account number XXXX XXXX my name is XXXX XXXX XXXX XXXX address XXXX XXXX XXXX mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Their investigation did not fix an error on your report

Complaint:
After I sent Bureau letters last XX/XX/2022 incorrect accounts are still reported to my personal credit file. The 3 Bureaus Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified accounts without providing any proof required by law. The XXXX credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate & I never authorized for my credit to be accessed. Here are the list of accounts that needs attention in my file : XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collection was previously deleted from my credit report. They re-reported without sending me the 5 day notification as required under the fair credit reporting act. This is highly illegal and this needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federa

lly protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consume
r DEMANDS the following below : Account Name : FAIR COLLECTIONS AND OUT Account Number :

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 2022-09-29
Company: EQUIFAX, 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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My new Citi credit card has declined charges numerous times. When I get Citi to fix the problem, it quickly recurs, preventing me from making charges on the card. I opened the card in response to a promotional offer that requires me to spend {$4000.00} in 3 months. Because of the bank 's frequent charge declines, it appears I may not be able to spend the required amount to receive the bonus they promised in the credit car contract. 

This is the only bank that consistently gives me this problem. I have credit cards with XXXX XXXX, XXXX, and other banks. They do not give me any problems like 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I paid for my XXXX pass for XXXX day. When I got notified I had an account I canceled the account and went on with my life not knowing they were charging me monthly for a whole year but my card was lost and stolen so I got a new one. Find out my XXXX XXXX dropped very low and seen them on my credit. You can only XXXX the anger and shock. I have a then park ruining my XXXX XXXX. Please help remove all this debt from my credit. XX/XX/2022 - XX/XX/2022 XXXX Ive been disputing the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent XXXX XXXX a letter requesting validation of the debt. All they sent me was a contract with electronic signatures. This is not sufficient proof. Anyone can submit an electronic signature. Also there wasn't a chain of custody or any other documents they should've receive from the original creditor. 

They are also attempting to collect interest on this account which I know for sure is illegal because the original contract they sent did not have any language saying interest could be collected. So it is illegal for XXXX XXXX to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Old information reappears or never goes away

Complaint:
XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this XXXX mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I moved out of XXXX XXXX XXXX in XXXX, Florida. I lived at XXXX XXXX XXXX, formerly XXXX XXXX XXXX and XXXX XXXX XXXX, for five years and was never once late in paying my rent. Upon termination of my lease on XX/XX/2022, I was informed that I owed {$110.00} in utilities for the month of XXXX and immediately paid that amount by check # XXXX, from my checking account at XXXXXXXX XXXX, and mailed it to XXXX XXXX XXXX On XX/XX/2022, I received a letter from IQ Data International , Inc. indicating that the amount was turned over to a collection agency. I immediately called XXXX XXXX XXXX  and spoke to XXXX XXXX XXXX XXXX who indicated that she had received the check, the check was in her hand, but that she turned the amount over to a collection agency anyway, just for fun. This should be a crime. Now, I am dealing with constant telephone calls from a collection agency, for an amount that was paid immediately upon notification. I am not sure I blame the collection agency so much as I do XXXX XXXX XXXX The staff at XXXX XXXX XXXX has gone downhill since it was replaced by XXXX XXXX. They do not care about their tenants at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized transfer to a cash app with XXXXwo different places where it was delivered. Illegal transfer from my credit union to cash app to participate in illegal activity. DISPUTED NUMEROUS TIMES AND WAS GIVEN THE RUN AROUND!!! Spoke to different managers and was accused of using a device that I didnt even own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Saturday XX/XX/22 I was notified I had overdrafted. I looked at my account and a check had been cashed for {$5000.00} and in the memo it read " car sale ''. I was very upset so I went to a local Citizens Bank and told the teller what was going on and was told that they had no time to see me, and she sent me to another branch. This upset me further but I went to another branch. The teller began saying they had no time to see me at this location as well, despite telling her a large check was cashed and it was not me who wrote said check. She told me to come back in 45 mins. I returned and dealt with the same XXXX I dealt with on XX/XX/22 when my debit card was compromised. I explained I did not write this check as I have never had a check book, and asked why I wasn't notified about such a large amount of money being withdrawn. I was told the bank can not notify every person whenever a check is cashed. The bank did not mention/offer a provisional credit and actually had me withdraw my own money to get through until I spoke to the police. At this time the fraud department ( who I could not get through to at all during the morning ) had the complaint and was beginning their investigation, so the bank XXXX told me to come back on Monday XX/XX/XXXX at XXXX. I returned this morning and asked several questions 1. How did this check get cashed when they have on record I have NEVER written a check OR ordered checks from them.

2. I was in the bank not 2 weeks earlier reporting a fraudulent attempt on my debit card, at which point I was issued a new one. So why wasn't my account flagged as it was reported by me to the bank XXXX that my information was attempting to be stolen. 
3. My car payment was taken out the same day I supposedly was spending {$5000.00} on a " car sale '' as the memo read. And this went unnoticed within THE SAME BANKING INSTITUTION! 
4. The {$5000.00} check was deposited on XX/XX/22 and sat for 3 days waiting for approval to go through, and I was NEVER NOTIFIED! 
5. The check and signature are CLEARLY not written in my hand writing. 6. I do not overdraft often, why didn't anyone notice that this check was for {$5000.00} and I only had {$300.00} in my accoun
t. 
I have had to take {$1500.00} of my own money to use while this is being investigated and was told by the XXXX today that this shouldn't have ever happened due to all the reasons listed above. 
Nothing was done by Citizens Bank to prevent this money from being stolen. I asked why there is a fraud dept and why I'm giving them my money/business to protect my money, when not ONE SINGLE PRECAUTION was taken to stop this check from being cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: A.C.S. Companies, Inc. I
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX XXXX XXXX Account Number :

Company response to consumer: Untimely response
Consumer complaint received 2022-12-12
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested to have my student loan payments made during the COVID-19 pandemic refunded as was allowed under the CARES act. I have been given timelines that state I must wait XXXX weeks or more to receive the money, and can not get in contact with anyone that can actually resolve or expedite this. My balance was reinstated on XX/XX/XXXX and now reflects on my credit report as a higher balance, despite no refund being made to me. My balance should not have been adjusted prior to the money being in my hand point blank, that is wrong. It is also wrong I should be told XXXX weeks to wait for a refund I know they can process faster than this. I opened a case on the XXXX website, nelnet reached out and just reiterated I have to wait. This is unacceptable. I contacted the US dept of treasury at XXXX and was told this refund is still pending DOE approval. I reached out to a number given to me by the US treasury XXXX but when I selected the option for help with direct loans, i get told this extension is no longer in use and get hung up on. This is unacceptable. It is being reported to all 3 bureaus my balance is higher, i want my money now.

Company response to consumer: Closed with explanation