BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: Credit Karma, LLC
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit karma had filed for my XXXX taxes. Or claimed they did. They sent me an accepted file for my state and federal taxes. I never recived the {$2200.00} direct deposit they claimed I was supposed to. How could they send me accepted forms and never my $? Its Now XXXX filing time over the year of frustration I havent received even one letter concerning the issue ... the emails never pertain to the issue and they have NO phone #!!!!! It wouldnt let me look at my old forms until I file XXXX with them.. even though I have repeatedly e maild them on this issue they have never gotten back about this issue. It has been almost a year of fighting for my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: U.S. BANCORP
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I would like to file a complaint against U.S. Bank concerning a stolen fraudulent check that presented against our account. We are also looking for some assistance with this dispute that we have with U.S. Bank. The situation involves a stolen check and fraudulent activity on our checking account. On X/XX/2014, I had a check stolen out of my office and on X/XX/2014, a check presented and cashed for {$3000.00}, at Citizens Community Federal Bank. The balance of my checking account was less than {$500.00}, due to this check being cashed a Ready Reserve liability was established in the neighborhood of {$2600.00}. This fraud was promptly discover and informed on X/XX/2014 to U.S. Bank Fraud Department and the local police. Investigations were started both with U.S. Bank and the City of  XXXX Police. After a period of several weeks, U. S. Bank decided to deny our claim to cover the fraudulent activity on our account and started to demand payments to begin to paying off the Ready Reserve Account that was established through the fraudulent act. U.S. Bank froze this fraudulent account and put a Cease and Desist on our account to adversely affect our credit history.
We have contacted the local Branch Manager, the Loss Prevention Department, Retail Collections Department. The State of Minnesota Office of the Attorney General strongly suggested we contact the Office of the Comptroller of the Currency to voice our complaint and to seek a remedy to our situation. I have included copies of our correspondence.

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 2015-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Settled ( for less then balance ) on XXXX XXXX credit card in XXXX of 2014, but there is a " balance '' still showing on my credit report for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
An ad. of XXXX which offering free gift to anyone if he/she completed the survey with them online in XX/XX/XXXX. This company 's products XXXX XXXX XXXX XXXX XXXX showed up on the list as gifts to offer for free. Customer just paid for shipping and handling. My cousin, XXXX XXXX, borrowed my credit card and paid {$6.00} for shipping and handling for the above 2 products. After that he didn't order any more product, but on XX/XX/XXXX this company imposed 2 charges one {$110.00} from XXXX and the other {$110.00} from XXXX totally {$230.00} and the money was withdrawn from my credit card account. 

I have read the BBB 's report that these group of people have engaged in illegal activities. They have used alot of different names and phone numbers for cheating like XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXr XXXX XXXX, ... .and a lot more with ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ... and more. 

I had reported and argued with the Chase Card agents that they'd wrongly used my account to pay for this cheating group of people while mine and my cousin 's name were different. The card agents said they would try to ask the cheating company for a refund. However, after more than a month of dispute between them, on XX/XX/XXXX I received a letter from Chase said that the charge from the cheating group was valid!! 

I called Chase on XX/XX/XXXX with the number they gave XXXX XXXX XXXX XXXX in order to dispute what they said, but they just let the answering machine running. I had been waiting for more than 103 minutes from XXXX A.M. to XXXX P.M. no one picked the phone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The debt collection agency TRANSWORLD SYSTEMS has repeatedly threatened me with legal action and even sent a letter to my boyfriends moms house stating they would repossess the property that I do not have. I am not married to my boyfriend nor do his parents personally know me. They gave my full name & even my account number and not only embarrassed my boyfriend but also myself because this collection wasnt anyone elses business but my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
The loan was opened in XXXX XXXX and defaulted in XXXX XXXX. It was charged off and picked up by a collection agency. XXXX/XXXX/XXXX, I reached an agreement with the collection agency and settled the debt in full. AES was servicing the loan and has failed to update the status of the loan or the balance. I have a written letter from AES stating that the principal balance is now XXXX but XXXX continues to report the loan with a status of " In Collections '' with a current balance of XXXX, and unpaid balance of XXXX and a highest balance of XXXX. I need the loan status to reflect that it was a charge off and the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A se
ction 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached

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 2022-09-06
Company: EQUIFAX, INC.
State: KY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by Rushmore from XXXX XXXX in XX/XX/XXXX and in doing so they changed my mortgage from a standard mortgage to a daily simple interest loan without proper consent or disclosure. 2 ) With my previous mortgage holder, I made early payments, when I received my 1st mortgage statement XX/XX/XXXX from Rushmore, they stated that a payment was not due until XXXX and all the while charged me daily interest based on the revised/undisclosed structure of the mortgage. I am requesting my loan be changed back to a standard mortgage and I be reimbursed for the amount of interest that I was overcharged based on the change in the mortgage structure. 

I had so much trouble when trying to work this out with the company so I went to the XXXX XXXX XXXX because I knew what they were doing was wrong. If this happened to me, I am sure that it has happened to many people and they may not know what to do or how to get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: GA
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:
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Just got paid today, X/XX/2017, so I wasnt worried about my checking account, imagine how I felt when I submitted by debit card for payment only to have it declined. Rushing back to work I went online to check my account status. A payment service connected to a online purchase I made charged me for that service, but also charged my account {$39.00} 17 different times!!!! It probably would have been more, but that and other legitimate charges emptied my account. I immediately called the bank. They advised contacting the company and getting the charges removed. I did that, but customer service was not helpful. They needed to forward my compliant to the billing department, which they could not connect me with directly or give me someone else to speak with. They said Id be contacted with 24 to 48 hours. Im broke. They have my money fraudulently and I have to wait for them to investigate. Spoke with the fraud department at my bank, XXXX XXXX XXXX XXXX. They were not terribly helpful either. They cancelled my card, and inconvenience Ive have to go through just a couple of months ago due to a similar problem, and too, will investigate. My question to them and that Im relating here is why something as clear a case of fraud or just some type of mistake takes two or more days to deal with. I asked the banks fraud rep how this could possibly slip through their security software? 17 identical charges, same amount, same charge description one after another and all Im getting is an apology. I dont know how I going to get back and forth to work in the next few days, because someone stole my money from my bank account and the best they can do is apologize. Banks feel free to add fees upon fees to their customers accounts do to honest mistakes made by the customer. But when the bank fails to protect a customers money, you get sorry, dont know how this happened it shouldnt of happened, sorry Not good enough. Not by a long shot. Where the XXXX is my fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Fair collection & out # 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 an 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 non-monetary relief
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Equifax multiple times about XXXX inquiries that are on my credit report that I did not make. All they do is inform me what an inquiry is. I explain to them i know what inquiries are, then they tell me they can not do anything about them. I even wrote letters to them explaining the situation. I have been trying to work with them for three months. Every time I ask for a supervisor they tell me they do not have one or they are unavailable. The inquiries are from XXXX ( XXXX 2016 ) and XXXX ( XXXX 2016 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: AR
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 Fair collection & out # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not give my utility company legal right to share my personal information with anyone. This is a violation of my rights and illegal. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EASTERN BANKSHARES INC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid of my car loan to Eastern Bank in XXXX on XX/XX/XXXX and i have not received my car title. I follow up with Eastern Bank on XX/XX/XXXX to see where it was. they stated they sent the release to the XXXX on XX/XX/XXXX and that it was no longer their problem. I still do not have my title and eastern bank is unwilling to help with this 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 explanation
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint with your institution against XXXX XXXX XXXX because they placed an account on my credit that did not belong to me and they never contacted me before placing the account on my credit. Once I contacted you and wrote them another notice to advise them they were in violation of the FCRA the account was removed account number XXXX XXXX XXXX XXXX XXXX XXXX  

I am due to go into labor any day now and another collection company called IC Systems has placed the same account on my credit for XXXX XXXX XXXX account number XXXX they also have not contacted me or verified the debt- they just placed it on my credit. Keep in mind it was just 45 days ago that the account from XXXX XXXX XXXX in this regard. 

I have also filed a complaint with the bbb and the ftc

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 2021-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a check from a law firm on XX/XX/XXXX for XXXX. When depositing the check the bank stated that the check would be made available the following day. I have received various over draft fees for the funds not being available on the XX/XX/XXXX as of the XX/XX/XXXX, the funds are not available and have been told it can take Up to 2 weeks for check to deposit. In less than a week you will receive an extended overdraft fee, even Though you have funds being deposited that day, first thing in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would 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 non-monetary relief