BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2023-08-23
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I saw a lot of pre-approvals on Credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car, everyday I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma, I started telling my family about vacations and investments we was going to use these pre approvals for. So I applied on or around sometime in XXXX and I got denied for 3 credit cards and a personal loan I was distraught and was angry and I felt deceived I was marketed for months, credit karma told me I was pre approved This was a lie, I was severely stressed out, XXXX  for weeks I had headaches so bad I became antisocial my XXXX  went from XXXX to XXXX XXXX, now Everytime I see pre approvals I immediately close my phone. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Berman & Rabin, P.A.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We are filing a complaint against XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX, and its management as we believe they are profiling us, discriminating against us, falsely accusing us of damaging the apartment, and attempting to extort money from us by billing us for paint and professional cleaning fees and then sending us to collection to top it all. They are trying to extort {$850.00} from us after we moved. 

I just learned they sent us to a collection/attorney office Berman and Rabin : Address : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX KS XXXX XXXX : ( XXXX ) XXXX I sent several emails to them asking them to show me proof of the damage they were claiming and they never would. I asked them if they ever walked the apartment with us to identify with us what damages they were charging us for. They sent me pictures of the apartment before we moved in. In other words, they expect us to pay them rent for 2 years and pay them to get the apartment ready for a new renter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has publicly humiliated by contacting my son, my husband, my husbands adult children and their spouses to discuss my loan by stating they are trying to reach me and havent been able to reach me. The harassment has lead me to consider filing a law suit due to violation of my privacy among other reasons. They have received payments and increased harassing phone calls. I have sent a request for compromised payoff and would like them to respond. Unable to send copy of letter due to filing complaint on my phone while Im out of town and my husbands family is receiving calls from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit karma use false advertising pre-approval for me to run my credit and dont approve me for the account such as bank accounts things like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: RGL Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got sued for a medical debt. It was turned into a collection agency and I was sued for the amount of money. I did make payment arrangements and paid the amount each month as arranged. I noticed that the amount was not being deducted from my account. I reached out to the company several times to try to resolve the issue. The company never responded and sued me again to have my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I APPLIED FOR MORTGAGE AND I WAS TOLD THAT I WAS DENIED INFORMALLY THROUGH EMAIL COMMUNICATION WITH A SENIOR BANKER AT ROCKET MORTGAGE. 

THEY HAVE REFUSED TO PROVIDE ME WITH THE DIRECT REPORTS THAT INDICATE A LOWER CREDIT SCORE THAN RECEIVED DIRECTLY FROM THE CREDIT REPORTING AGENCIES THEMSELVES. 

I can not find the disputed accounts on either Bureau with my reports and I have not disputed anything. Perhaps it says previously disputed, customer disagrees but closed from a long time ago. But I can't find the accounts he mentioned. 

" YET I BELIEVE THEY ARE ALTERING THR SCORE AS THEY ARE SIGNIFCANTLY FLUCTUATING BETEEEN VARIOUS LENDERS AS I HSVE ACCESS TO THR VARIOUS SCORE MODELS. '' THEY HAVE COME UP WITH ONE EXCUSE AFTER THE NEXT ... REQUIRED A SIGNIFICANTLY HIGHER DOWN PAYMENT THAN REQUIRED FOR FHA LENDING.

ITS LIKE SOMEONE WROTE STUPID ON MY FACE AND JUST WANTS TO TEST ME EVERY CHANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
upon visiting our uncle XXXX XXXX we discovered discrepancies with his TD Bank checcking and savings accounts. Our uncle made us POD and then he made us Power of Attorney. I contacted TD Bank via XXXX registered letter asking for clarifications w a copy of the Power of attorney, they have ignored our letter of XX/XX/2022. I then sent a copy of the letter to the CEO & director of consumer experience and no response to date. all documents were sent and confirmed by receipts. I have attached copies of all documents. Help appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: CL Holdings LLC
State: CA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) JEFFERSON CAPITAL SYST XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) JEFFCAPSYS # XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ) JEFFCAPSYS # 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 DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX of XXXX, 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 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 2022-12-21
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have over {$400.00} since the middle of this year in cash app money that I never spent there was transfers because my cell phone was stolen including my wallet including the cash in it now the cash in it was my loss but my wallet was stolen right from where I work at and where I work at is where I live at and where I live at there's only XXXX people around here which I do not trust however I would like to follow a little suit immediately because it still even though that account is still open but under my married last name XXXX XXXX XXXX XXXX XXXX XXXX the card was used or tried to be used yesterday and it took them 3 months and even I have a email stating that they did give me a provisional credit but no they did not as a matter of fact I had to cancel my card and request a new one yesterday and that's XXXX  XXXX they told me that they would give it back to me within 45 days the money and none of it not XXXX single XXXX dollar has came back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: CA
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 am concerned because my credit report has discrepancies that are continually being reported and damaging my credit score. I have highlighted all these discrepancies. I am being denied credit due to this false information. I have asked Equifax to remove this information but they are ignoring me or sending me correspondence not addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023. I reached out to Wells Fargo Auto Loans in regards to my auto loan application from XXXX XXXX XXXX being denied. I explained to them my Constitutional Rights as a consumer under the Consumer Bill Of Rights. One lady hung up on me and a gentleman transferred my call where nobody picked up. I explained to them my concerns about being discriminated against ( Equal Credit Opportunity Act ) because of my credit score. I also explained to them that I submitted a Federal Reserve Note that was denied and continued to explain the obligations of the United States by all National, Member, and Federal Reserve Banks ( Federal Reserve Act Section 16 ) where they still denied me. Before the lady hung up on me she explained that a supervisor would reach out to me within 7-10 business days, but the gentlemen switched me right over to a supervisor. Unfortunately no supervisor answered.

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 2023-02-18
Company: EQUIFAX, INC.
State: MI
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 Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: January Technologies, Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never created this debt. I never knew of this so say debt untill receiving this mail. I moved from that address and someone there has falseafied my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cashapp won't give me access to my account or funds. I was expecting a {$15000.00} deposit into my cashapp on XX/XX/2023. When I went to check my cashapp was logged out and I couldn't login. I need to see my XXXX statement of all incoming and outgoing transactions. And I need to know if the {$15000.00} deposit is in my account and I would like access to my funds immediately. Cashapp is violating many federal laws by withholding all this information from me. It's my account and I need to know what's going on thankyou. XXXX XXXXXXXX email linked to cashapp : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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/2023 : contacted Chase Bank Credit Card department for a possible fraud case involving my credit card ( ending # XXXX, previously ending # XXXX ). A new credit card with a new number was issued to me after my reporting ( new card ending # XXXX ). My reporting consisted a series of unauthorized purchases between XX/XX/2023 & XX/XX/2023. I informed Chase bank that I didn't make those charges, total {$300.00}. Initially, I was given the credit immediately. However, after the investigation, the credit was removed and the charges were put back to my account. 

XX/XX/2023 : after the second review by the Bank, I was informed by the Chase Recovery Team at Chase ( XXXX ) that I am liable for the charges claimed because those charges were made via the chip. I repetitiously told the Bank that those charges were not made by me because some of them were made in the weekend and on days that I was not at work or off from the office. All those charges were from a restaurant named XXXX. If I was not at work, it's impossible for me to make those charges. Nonetheless, the Bank said they could not be wrong because all transactions made through their chip are perfect and mistake-proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2023, I got notified that a transaction of {$1200.00} was made to buy airline tickets. This transaction was not approved by me so I filed a dispute against the transaction. Huntington National Bank investigated my account, credited back my money, and gave me a new debit card. 
In XX/XX/2023, I was going to pay a tab when the waiter told my my card had been declined. I got a phone call from Huntington asking me if I approved of a {$1000.00} XXXX XXXX purchase, which I immediately declined. The proceeded to lock my card and send me a new one. 

I had this new card for less than two weeks. On XX/XX/2023, I was going to buy food when again, my card was declined. I checked my bank account and realized I had an overdraft. XXXX unauthorized purchases had been made. XXXX to XXXX XXXX for {$1200.00} and the second to XXXX XXXX for {$540.00}. I immediately called my bank and disputed the charges. I also asked for a provisional credit since I had bills to pay. They said that since my bills were linked to my checking account, I can still make those charges since by the time they submitted the provisional credit, they would have it covered. I went XXXX weeks without receiving any type of credit or getting any updates about my disputes. I called every day to follow up but they dismissed me and said they couldn't do anything to help me. During this time, I followed their advice and got charged 3 times with overdraft fees. 

On XX/XX/2023 I got a letter in the mail saying they had completed their research on their end and determined that the transactions were authorized. I immediately called Huntington on XX/XX/2023 and asked them to send me the documents that they used to come to this determination. I also asked them to open up the case and continue the investigation. They said they would and would follow up with new information. On XX/XX/2023, 5 days later I called to get updates, which Huntington can not provide. I expressed that I still have bills to pay and need some sort of credit to ensure my account didn't go overdraft again. They said they couldn't along with not being able to provide the documents that I asked for on XX/XX/XXXX. 

I've called Huntington a total of XXXX times throughout this month. I have been dismissed and treated like I have been the careless one for having my information stolen. 
My complaint is that they have been rude, and I believe someone within the company is the one targeting customers and stealing their information to make these unauthorized purchases. This is not {$5.00} or {$50.00} or {$100.00}. This is almost {$2000.00} that were STOLEN from my checking account, and that has yet to be resolved or given further explanation on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Dean Morris, L.L.P.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt is with me, XXXX XXXX, not with my ex wife. If Dean Morris, L.L.C. need to talk to me or send me a letter, it's with me. Only me. Keep my ex wife, XXXX XXXX, out of my business. Don't call her or contact her in any way. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I began receiving {$85.00} charges on my XXXX card after using my debit card to pay for a t-mobile shipping fee for my grand parents XXXX card. Everything else was under their name and debit card. By XXXX, I began receiving debt collection notices from XXXX and another company. I tried speaking with several t-mobile representatives who were clearly over seas. They all would keep me on the phone for hours and then say they were looking into it but never get back to me. A gentleman named XXXX eventually reached out to me from XXXX executive who said he would send me an email to fill out and I never received an email, and every time Ive tried reaching him it goes to voicemail and no one ever calls me back. Please help. 
An operations manager for XXXX, named XXXX XXXX, essentially accused me of lying and said that they already sent me a fraud package and that he would not send another. He said if I didnt receive it, thats my problem and I can now go in the website to retrieve it. Again, Im expected to use my time to do all this work because hes mad I never received it or else hes accusing me of lying about having received it. I asked him if it had a required signature, to prove I did receive it. He said that wasnt his problem. He would let me go but just kept talking over me and arguing with me until I eventually told him Id be reporting him and the company and hung up the phone, by then completely distraught. I couldnt handle another word of being accused of having no moral integrity and expecting me to just pay money. 
Im happy to provide any and all documents Ive collected from this issue so far. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card charged off and first source advantage bought the debt. And also XXXX XXXXThey  sent me emails for about six months to pay the debt off, but at a discounted rate of {$590.00} versus the original amount of I believe {$740.00} so after six months I finally come up with the money to pay the discounted amount. I pay the {$590.00} in full with my debit card on XX/XX/2023 to firstsource advantage and then I dispute it on XXXX, XXXX  and XXXX only to have the credit reporting agencies say I still have a balance of {$140.00}. If the offer was for a reduced amount then why do I still have to pay the balance I feel they were sneaky and misleading with what I owe and the amount they were willing to settle for

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation