BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is in regard to a letter I received from " Transword Systems Inc. '' seeking to collect a debt which I have already paid.
<P/>
Brief backstory : From XX/XX/XXXX to XX/XX/XXXX I rented a vehicle with XXXX XXXX through their program with XXXX. On Saturday XX/XX/XXXX I returned the rental vehicle to XXXX XXXX. The employee with whom I returned the vehicle explained to me that since it was Saturday, the staff who handle their XXXX vehicles were not in that day - and that I would be called on Monday XX/XX/XXXX to resolve any outstanding balance. Monday came and around XXXX XXXX. I realized I had not been called by XXXX, so I called them and spoke to " XXXX '' about paying my outstanding balance. I told him that I had sufficient funds in the debit account which they had on file, and he said that he would attempt to make the charge and then call me back. He never called back, nor was I charged. On XX/XX/XXXX (XX/XX/XXXX ) the two deductions were finally made from my debit account ( one in the amount of [ {$110.00} ] and a second in the amount of [ {$180.00} ] totaling [ {$290.00} ] by XXXX XXXX.
<P/>
Complaint : On SaturdayXX/XX/XXXX I received a debt collection letter dated XX/XX/XXXX from " Transworld Systems Inc. '' on behalf of " XXXX XXXX ''. This collection letter is dated 20 days after XXXX XXXX deducted the exact same amounts from my debit account. The letter claims : " CURRENT BALANCE DUE : {$290.00} This Balance is a Sum of Balances from 2 Account ( s ).
See additional page ( s ) for account detail. '' On the additional page with account details, the following balances are listed : " {$110.00} '' " {$180.00} '' In short, on XX/XX/XXXX - two deductions were made from my debit account by XXXX XXXX for the exact amounts and total above ( one for {$110.00}, and a second for {$180.00} - total of {$290.00} ). 20 days later, Transworld Systems Inc. dates a debt collection letter to me on XXXX 's behalf for these exact balances which I have already paid. I can provide a bank statement showing the date and amounts withdrawn from my account by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-05-10
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have about a dozen transactions with Gemini crypto exchange since late XXXX where I was charged double fees. When you place an order it deducts from your entered dollar amount. Then when I look on my bank account I am being charged for the dollar amount PLUS the fee they already deducted in the order. 

They have ignored my email after months of waiting and I have repeatedly read getting the Financial Protection Bureau is the best bet to get a response. Please do anything you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On  XXXX   XXXX ,  2017  {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of  XXXX   XXXX ,  2017  the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-03-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX. 2021 my wife and I purchased an automatic dishwasher from " XXXX 's '' and were told if we put it on our XXXX 's charge we would get a 5 % discount. so that is what we did ( Charge was {$950.00} ) and when I received my next XXXX 's they were charging me interest on my purchase, which we had never received. My question is how can a company legally charge for a product and services they have not supplied. The dishwasher was not installed until XX/XX/2021 at XXXX. Also this is not the First time this has happened to us from XXXX 's another time we purchased XXXX counter tops and they were paid for ( On Charge account ) and never installed until until XXXX the following year, the whole time they were charging interest at 26.99 %. I guess shame on me for going back to XXXX 's I hope other people see this post to see what what XXXX 's is really about.

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 2017-06-04
Company: EQUIFAX, INC.
State: AL
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:
I have submitted numerous disputes about inaccurate accounts on my Equifax report. There are three accounts that have been removed and replaced on my credit report without my knowledge or consent. The two accounts are   XXXX   XXXX  ,  XXXX  &   XXXX   XXXX  . I have proof showing that these accounts have been removed but upon checking my report, shows that both accounts have been added again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: IL
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Re : Continuous and Blatant Violation of FCRA and Consumer Rights To Whom It May Concern : I am disturbed that you continue to intentional list on my Equifax credit report an alleged filed and discharged Chapter XXXX bankruptcy public record as being verified by your agency when in fact I have NEVER filed a Chapter XXXX bankruptcy nor was ever part of any alleged Chapter XXXX discharge action. 

I have written to you four ( 4 ) times disputing the alleged Chapter XXXX bankruptcy filing and discharge information on my credit report but you continue to blatantly ignore my request for verification and removal of this very damaging information on my Equifax credit report. Further, you continue to state in your follow-up correspondence to me that you verified the disputed public record on my Equifax credit report with a third party vendor, XXXX, and have updated the bankruptcy in your records to report as discharged/completed Chapter XXXX on my Equifax credit report. 

Oddly, I contacted XXXX Consumer Center to ascertain why they were reporting to you, as your third-party vendor, a filed and discharged Chapter XXXX bankruptcy about me when I never took such an action. XXXX responded to me via written letter dated XX/XX/2019 ( see attached letter ) that after searching their companys databases they were unable to locate a file in their system on me. Since XXXX verified that NO file exists in their databases on me, how then can you declare you verified the alleged Chapter XXXX bankruptcy filing and discharge information showing on my Equifax credit report as accurate and belonging to me. 

Please delete the unverified and unsubstantiated Chapter XXXX bankruptcy public record from my Equifax credit report immediately as you have been dishonest and untruthful in your investigation and reinvestigations of my credit report dispute. ( As a side note, I was also affected by your data breach that exposed my personal information and am a class action participant in the Equifax Data Breach Settlement agreed to with the Federal Trade Commission, the Consumer Financial Protection  Bureau, and 50 U.S. states and territories. ). Per FCRA regulations, you have no right to maintain false, incorrect, inaccurate and unverified information in my credit file. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an ( re ) investigation, I would appreciate your response within 14 calendar days from receipt of this letter. Thank you for your instant cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I asked my branch manager of PNC Bank at XXXX XXXX in XXXX, KY to do a Payable upon death for my personal checking account and my personal savings account during XX/XX/2019. These accounts are solely owned by me and I am the only person authorized to have access to the accounts. I had recently had my attorney draft a trust agreement and wanted the trust to be named as the beneficiary of my accounts. The manager seemed very confused about what I was asking for. After going around and around and clearly stating I wanted my accounts to stay as they are but just go to the trust after I die, she took a copy of my trust and said she had to get it approved by legal and I would get a call back the next week. This happened, she said I was approved, and needed to come in and sign a paper. I came into the branch and dealt with another employee to because the manager was on vacation. I again asked this employee before signing my paperwork that my accounts would not change they would only be listing the trust as a beneficiary, she looked at the computer and said yes. I thought nothing of it until XX/XX/XXXX when my husband lost his wallet and we checked his account online to make sure there wasnt any activity on his card. When we signed in under his account, we saw MY checking and savings account pop up with his! I immediately called the PNC 800 number to figure out what was going on. They said my accounts had been changed to the trust and because my husband was listed in the trust he now has access to my accounts! Yes this is my husband, but I never gave the bank permission to do this. What if it was somebody else!? They said I needed to go to my branch and speak with the manager. I did this and she told me a few different stories. First she said that was what I asked for and signed, then she said it was the only way it could be done, then she told me legal said it was illegal in my state to do a POD, then finally she said it was against PNC policy to name a trust as a beneficiary. At this point I was so mad and just wanted the access shut down and I asked her to revert my accounts to the way they were before. After several hours because she had to call legal back she told me she cant, she has to close my accounts and open new ones. I cant just do that when I have many auto drafted payments coming out of those accounts. So until I can get new accounts opened and everything transferred my accounts are wide open to be used by someone I did not authorize to have access to my account and the manager could absolutely care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from my credit report. The account has a XXXX balance. 

Account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed.  Balance {$0.00}. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : Letter sent to The Best Service Company on XX/XX/XXXX, fax confirmation and FTC 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 2022-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
experian is reporting telephone numbers that do not belong to me. Experian refuses to remove these numbers. The last time i tried to get these unknown numbers removed was on 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 2021-05-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I sent a letter to Equifax and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a balance transfer to my chase card at 0 % interest, and there is also a 25 % interest on purchases.

I proceeded to make a {$10.00} purchase and then make a {$68.00} payment on my card. I all of a sudden had {$0.00} in interest. I called up and they informed me all purchases will accrue interest until the 0 % balance transfer is paid off. So there's no way to pay off purchases until the full 0 % interest balance transfer is paid off.

Nowhere did they state that this would be the case and is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received an invitation from APPLE for the Goldman Sacks/Apple credit card and I unlocked my credit fill out the application which was denied. When I tried to ask why was denied it seemed that APPLE had no idea and was told that Goldman Sacks denied it. They told me that will receive a detailed explanation, but instead I received a general not applicable document in a pdf form with a generic application troubleshoot. ( ATTACHED ).

I followed all the steps and instructions to the letter.

Tried to reach Goldman Sacks but was not able to do it, and although I was told that I will receive a detailed explanation probably in mail by APPLE support nothing came!

As you heard by now, Goldman Sacks is using illegal techniques to discriminate and other people have complaint about it publicly too.

I need a detailed explanation from Goldman Sacks, about the Denial of my application for the APPLE card. I am entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Garcadia Financial LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a car here in  XXXX  at a  XXXX  dealership who chose  Foursight Captial  as the financial institution. On the paper work I made sure it stated that I get paid on the  XXXX  day of each month. I did not want to be late making pymts. The payment is due on the  XXXX  of the month. The dealership said it should n't be a problem because there will be a  XXXX  day grace period. I agreed to mail the check on the  XXXX  of the month.  <P/> On  XXXX   XXXX  I received my   XXXX   call about paymt not being there on the  XXXX . I explained to the young man about my  XXXX  of the month pay. I asked if i would be called every month on the  XXXX  since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the  XXXX   XXXX , and on  XXXX   XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.  <P/> Something has to be done about the way that  Foursight Capital  does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them   XXXX   times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the  XXXX  of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: ALLY FINANCIAL INC.
State: AL
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 NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE 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 2022-03-10
Company: EQUIFAX, INC.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation