BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: Viking Client Services
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car with XXXX XXXX XXXX in late XX/XX/XXXX. Through my bank, I disputed a charge for {$150.00} because it was wrong and was never told why I was being charged this. My bank opened a claim and I was told they would resolve it. Today ( XX/XX/XXXX ) Viking Services called me, claiming I owed {$150.00} in debt to XXXX, which I had not been made aware of before. I called XXXX, and they told me that they have been trying to charge my credit card for two months, but because of the claim I filed with my bank, the charges were unsuccessful. According to my bank ( XXXX XXXX XXXXXXXX ), XXXX already won the dispute and got the {$150.00} back through their bank. The claim has not been finalized yet but my bank confirmed today that they received the money. Thus, the debt collection efforts they made are illegal and moot. And I STILL have received no explanation as to why Ive been charged {$150.00} - not from XXXX nor Viking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MD
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:
Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA. 

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Services is attempting to collect {$280.00} dollars from me for something from XXXX XXXX XXXX but I have never had anything from XXXX XXXX XXXX.I disputed with XXXX but they unmediated resolved the dispute saying I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TN
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$190.00XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX XXXX XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I called Wells fargo right away, they said they gave me 3 referance code, but they closed the case in 3 or 4 days. They told me that It's like I gave them cash, so I can't get my money back.

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 2022-06-08
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXXXXXX XXXX XXXX Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. TransUnion is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give TransUnion written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: Upgrade, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I authorized a payment of {$600.00} on XX/XX/XXXX which was processed. Today I logged on to my account to see that this company illegally took another payment of {$600.00} without authorization. They stated it was autopay ... .however, they set my autopay and it was at {$51.00} ... ..not {$600.00} and was set to be withrawn on XX/XX/XXXX as I had already made XXXX 's payment on XX/XX/XXXX. They double dipped and now I am stuck with an overdrawn account racking up fees, returned check fees, etc. They had no authority to take another {$600.00} payment. I spoke to the company today and was told a refund would be given in 5 to 7 business days and I would receive an email confirmation. I have yet to get confirmation. Not to mention I have a personal loan with this company too with an autopay payment scheduled for XX/XX/XXXX and now due to their mistake, my account will not have the funds to cover. I want my XXXX refunded IMMEDIATELY, and all fees incurred due to their mistake refunded as well as any fees or negative impact reversed on the loan with them that I will not have the funds to pay until my refund is received. They had no right to double dip on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Flagstar Bank. I have no idea how this bank is still in business. 

Noticed my mortgage payment has home & flood insurance included. I already paid both the home & flood insurance in full before I closed on XX/XX/2022. I called late XXXX to address the situation the rep said she would have someone call back. ( no one did ), I called a 2nd time, the rep argued with me said it was taxes that I was paying for ( he was wrong ), called a 3rd time the rep admitted fault. She called my insurance broker who verified that I DID pay in full and gave all the info needed. The rep said she would let escrow know. I heard nothing from escrow. I called a 4th time was on hold, the line went dead. I emailed the company no email back. I called to make an appt in person with the bank was told I had to call the branch. I called the branch no answer, so I left a message, recieved no call back. I gave a bad review on XXXX they messaged back said to use XXXX to get ahold of a supervisor, I did, no response. And here I am, with nothing resolved, no manager to speak to. This is past horrible. I just need this fixed.

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 2022-06-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The alleged is being reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. Im in fact owed money. I also stated this to my insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report 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 non-monetary relief
Consumer complaint received 2022-07-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XX/XX/XXXXthey record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XX/XX/XXXX XXXX cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out.

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I bought a large purchase on XXXX  the end of XX/XX/2021. I used my BOA credit card to pay for it online. I saved for it, so when the purchase showed up on my BOA credit card ending in XXXX. I paid the {$1200.00} purchase off. I used their app to make my payment. I use their automatic payment service. Every month to pay down my debt. They debit a set amount of {$100.00} each month on the same day. This was an extra payment I autherized on XXXX XXXX. A one time payment of {$1200.00}. 
On XXXX XXXX they again took another XXXX out of my checking acct. Unauthorized. Leaving my checking account with {$74.00}. 
I call BOA on XXXX XXXX telling them what they have done. Explained it was not authorized by me to take the money. Giving me a credit on my card of XXXX. They Basically stole {$1200.00} from my checking account. The woman told me it would be put under review and if warranted woud give me a refund. It take 3 day from start to finish to take my money from my checking account to there bank as payment. Its been 10 days since I called and I still have not recieved my money. I am racking up bank fees from bounce checks which is not my fault. With the technology that banks use to charge, add interest on purchases and debiting money out of our accounts as bill payments. Why does it take so long to give it back. When I called they saw the transactions instantly. 
I called again today XXXX XXXX only to get there is nothing they can do its still under review. 
How is this fair in any way? How is it that the consumer would be penalized if we missed a payment, under paid the minimum amount due, exceeded our credit limit, or just didn't pay at all by the credit card companies. But they make a mistake and they get to take their time correcting it without punishment. 
They also reporthed to the credit Bureaus that I had paid off my credit card after I called and complained they took my money unauthorized. How is it that my account is under review as of XXXX XXXX for a mistake they made but they reported that i paid it off in full? Sounds like they have no intention on giving me the money they stole from me or pay my bank fees. They're earning interest on money they stole from me while I wait in limbo to see if they are going to give it back to me. I want the interest they are earning as well. They get the interest on my unpaid balace. Whats fair here? 
We are living in a pandemic unprecedented times where people are out of work and struggling because of this pandemic. This is just another hit the consumer has to deal with that could of been resolved in a better and more timely matter

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 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
XX/XX/2022 Bank of America " refunded '' one of my credit card payments. They are very unclear about where the money went. All I know is that I didn't request the refund and I didn't get the money back. 

Over the course of 3 " looooong '' phone calls BofA said they would look into it. They try to wear you down and long weight times and sickening advertising. 

I finally got a letter saying they refunded the money to account ending in " XXXX. '' On other explanation provided. How did they let it happen? What is full account number information? 

They considered the case closed. Wrong! I will fight all the way to Supreme Court if I have to. This is wrong!!! 

I believe BofA has acted with criminal negligence. 

BofA Case Number is XXXX. Original " fraudulent '' Transaction Date is XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IN 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 monetary relief
Consumer complaint received 2022-09-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PLEASE DO NOT CLOSE THIS COMPLAINT AGAIN! IT IS REAL! You sent a letter rather than emailing or calling and I got it Saturday and you are closed. I have not had online access to my money for over 2 weeks now, and canceling the complaint does not solve the problem. Previous Complaint # XXXX. THIS IS A VERY REAL COMPLAINT! I don't know how you decided this was not me, but it is and this further delay is not helpful. 

I have been unable to transfer funds from my savings account since XX/XX/2022. Since then I have talked with 4 tech support people and 2 customer service representatives. Each time I tell them the issue and they have me try while they are on the phone and ostensibly watching my online activity. They have not fixed the problem. I have sent them screen captures of the error in 2 emails. They have not responded to that communication. They offer no solution that helps but seem anxious to pass me on to someone else or get me off the phone. Customer support says that I may access my deposit by 1 ) ( getting on an airplane and flying to another state ) by visiting a branch, 2 ) using the online system which does not work, or by 3 ) making many trips to their ATM and then driving to my local bank and depositing into my checking account. The ATM is obviously not workable for a {$5000.00} or more transfer. After eleven days of experiencing this error, Citibank customer service and tech support still have been of no assistance. The problem still exists. Citi personnel have only done nothing but given me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Chime Financial Inc
State: AL
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:
I have a police report with the responding officers badge number and he said he would appear on my behalf if the matter went to court. I also have submitted the cancelation paper from the hotel. Chime refuses to refund me my money even though I did not stay at the hotel. I feel like Im being picked on because Im a young XXXX American and a minority in America. I have the same rights as any race or human being in America. I have been under tremendous amounts of stress cause they have robbed me of constitutional rights and mental safety concerning these business and took money I worked hard for. I have a child I have to support and this has a caused a domino affect in my life. These companies should not be able to just take any law abiding citizens money. I will take this to whoever I must to be heard. XXXX lives matter.

Company response to consumer: Closed with explanation