BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Diversified consultants purchased my old account from XXXX XXXX. My service ended with them three years ago. I never received information from the provider. I provided the company with a forwarding address and phone number. The creditor confirmed they just received the collection account XXXX 2017, I was charged for equipment and terminaion fees. I have excellent credit and no derogatory accounts. Diversified CONSULTANTS immediately posted this account to my credit report prior to contacting me by mail on X/XX/2017. I received a telephone call from Diversified Consultants from an extremely aggressive and unprofessional representative. The rep. Provided no information concerning the account, I asked what information he could provide me and was only provided a balance due. My name is spelled incorrectly on the notice and i am a bit aprehensive. The rep. Continued calling and demanding payment after i advised to stop calling. I reached out to XXXX XXXX and initiated payment. I am requesting both companies be held respnsible and all derogatory remarks removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Hillcrest Davidson & Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX XXXX XXXX poorly installed a security system in the house I was renting without the owner permission. I never signed a contract so they copied and pasted a signiture from another document to a contract. I refused to pay for a non-working no contract system and removed all the hardware and returned all items to them on XX/XX/XXXX which they signed for on a Post Office Return Reciept. They sold the contract to XXXX XXXX XXXX in the beginning of XX/XX/XXXX and never told them there never was a contract. XXXX XXXX XXXX turned over collect ( even after I explained the problems with Prosper Security ) to a collection agency XXXX XXXX. I have provided all this information to XXXX XXXX and they contine to call and herass me. 
I have included a copy of the signed PO reciept and photos of all returned equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-07-08
Company: I.C. System, Inc.
State: GA
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 Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Accounts # XXXX I.C. systems Inc, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2022-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought concert tickets from XXXX XXXX on XXXX for {$200.00} through XXXX. I never received the concert tickets. He fraudulently induced me to transfer funds to his account. I filed a dispute with Chase Bank because I paid for a product that I never received and I was fraudulently induced to transfer funds to his account. Chase Bank refused to reimburse me or provide me any protections that are required by the Consumer Financial Protection Bureau guidelines. I have a police case report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: WELLS FARGO & COMPANY
State: PA
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:
Fees and interest charged for XXXX XXXX  which was done accidentally and reversed. I was told by the first representative and a supervisor I would be credited all fees if the XXXX XXXX was reversed by me. Never received, refused to apply credits as promised.

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 2017-09-26
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to AWA collections by certified mail twice, once in XX/XX/XXXX and again in XX/XX/XXXX to have them  validate a debt they claim belong to me. I disagree as I was XXXX the entire 2014 so this debt is not and can not belong to me. The debt is in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX my accounts were closed and I was instructed to go into the branch and verify my identity which I did. And once there had to open 2 new accounts which few days later were closed as well. I was told the accounts would be fully closed on XXXX XXXX and then again XXXX XXXX. Then when I phoned again on that date was told XX/XX/2022 the accounts would fully close. The accounts wound up being closed XXXX XXXX and payment was supposedly mailed out on XXXX XXXX. When I called on XXXX XXXX I was told I would receive the check by XXXX XXXX. I phoned in again on XXXX XXXX due to check not being received and was told to wait till XXXX XXXX. On XXXX XXXX I phoned in again and was told they dont issue stop payments and either I would have to wait for the check to expire out in 100 days or be returned to them before a new check would be sent. This is way too long to keep waiting on money that they closed an account for after banking with Bank of America for 21 years. Before the funds were sent out I offered to pay for the check to be overnighted and was told no. I also had a request processed to pick up a cashiers check from the branch to be denied. This is unacceptable to wait months for your money when you have done nothing 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 monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX XXXX Bank CARD for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received XXXX. 

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX XXXX Bank CARD has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I 've had the hardest time with trying to get my issue resolved with XXXX XXXX XXXX. I recently pull my credit report and determined I have a hard inquiry on my credit report from XXXX XXXX XXXX on XX/XX/XXXX. During the enrollment process for the XXXX service, there was a disclosure read to me of credit check would be done for the review of my application. I was confused as the disclosure did not provide specific information if the credit review would be for a hard inquiry or a soft inquiry. I asked the specialist if she could confirm this for me. On the same conversation she advised this was not a hard inquiry and would be a soft pull done, so it will not reflect on my credit report. With this understanding, I agreed and continued with the application process. I called XXXX XXXX XXXX in which the specialist advised she would submit a request for a credit analyst to reviewed my profile for the hard inquiry and call me within 48 business hours as they were closed during the weekend. I did not received call back within the timeframe i was given so today XX/XX/XXXX, i called and checked on the request. I was advised there was not a request submitted for this review when I previously called. After 50 mins of being transferred around, being hung up on once, I finally got over to a credit analyst, who advised me they do n't have a produce to remove this credit inquiry as they would refer their customer to dispute it with the credit bureaus. As I made the specialist aware I 've already looking into that option, in which my request was denied. I advised her the only option I had was to dispute the inquiry as fraud. I advised I would not dispute this as fraud. As the definition of fraud is not having no participation in the activity, in which does n't apply in my case because i have this active account with XXXX XXXX XXXX. The same employee as well advised that she does n't understand why this particular employee would 've assured what type of credit inquiry would be established, as she is in the same position as her. She advised they are not even sure what type of inquiries are done. She advised " Out of best practice '' for the customers she assist with the enrollment of service, she advises them she is unable to confirm what type of inquiry it would be done as the credit team would determine this during the review of the application. I feel like i was mislead by XXXX XXXX XXXX/employee. I am not certain if this was done intentionally by the employee to gain personal commission, or if its something that if not clear to XXXX XXXX XXXX employees to provide unfair parties to their customers in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 am very surprised, because I have been a member of Diners Club since XXXX XXXXXXXX of 1987, and I had never experienced this kind of treatment, but excellence. 
I was having a positive balance and Diners Club according to its general policy have removed the positive balance of {$95.00}, however this time they never mailed me the refund check. 
After, calling upon them the representatives on the phone informed me that they can not resolve it, but an Affidavit form will be sent to my e-mail, XXXX. I never recived such an email and during my calls to customer service, I started to feel unfomfortable, because the department issuing the refund was not related to the customer service 's task. I was constantly told that they have been sending the affidavit, which did not land in my email box, ever. 
After, filing the complain # XXXX at CFPB, I assumed the check will be mailed. It did not arrive, and it has not been deposited or cashed. I do have a question : " why are they playing this game? Again, customer service told me that they can not issue the refund check ; it is dealt with another department and I have to wait. I have been waiting, please, help 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 monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/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 2017-08-18
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

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 2017-08-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm aware that I owe XXXX to synchrony bank. I contacted them on XX/XX/21 they say sold my account to XXXX XXXX turn out to be a law office that never heard of synchrony bank. I have no person or company to respond to. Synchrony Bank, XXXX XXXX XXXX, XXXX Florida 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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America has repeatedly - 8 times- attempted to open a fraudulent line of credit in my name AFTER they have been contacted by me and told this was an issue of identity theft and I have filed complaints against them. Their only response is to tell me to keep my credit report frozen on all three bureaus. They are doing nothing to address the issue. Each attempt is a hard hit on my credit. Thankfully I have a fraud warning so these attempts get rejected but I still have to address it each time they attempt to open an account.

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 2021-12-26
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 just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I HAVE BEEN PAYING SEEDFI FOR OVER A YEAR AND WAS WORKING ON INCREASING MY CREDIT SCORE. WE TOLD BY COMPANY ( SEEDFI ) THAT IF I PAID A CERTAIN AMOUNT BIWEEKLY I WOULD BE APPROVED FOR A {$500.00} CREDIT CARD AND IT WOULD INCEASE MY CREDIT SCORE ... .SO ABOUT LAST YEAR SOMETIME, I RECEIVED A CALLFROM XXXX  OFFERING ME A LOAN FOR {$1700.00} AND TOLD THE LOAN AND WAS TOLD I WOULD BE PAYING {$110.00} BIWEEKLY. WELL I STARTED TO STUGGLE MAKING PAYMENTS BECAUSE I WAS OFF DUE TO COVID LAST YEAR AND I JUST FINALLY TRIED TO SPEAK WITH SOMEONE ABOUT THIS. I WAS TOLD I COULD NOT REDUCE MY PAYMENT AND IF NOT PAID THEY THREATEN TO REPORT ME TO THE CREDIT BUREAU IF NOT PAID IN FULL. I HAVE SPOKE WITH SEVERAL PEOPLE ABOUT THIS ACCOUNT, I EVEN ASKED THEM TO LET ME JUST PAY OFF THE LOAN, THEY TOLD ME NO AND THAT I OWE THEM {$4200.00}, THEY SAID THE INCLUDES THE {$2500.00} THEY HAVE IN A SAVINGS ONCE I PAY-OFF THE TOTAL AMOUNT DUE. I AM SO CONFUSED AS TO WHY I OWE THEM SO MUCH. I DON'T WANT TO BE IN THE PROGRAM ANYMORE AND WANT TO JUST PAY OFF WHAT I ACTUAULLY OWE. PLEASE HELP.

Company response to consumer: Closed with explanation