BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: WESBANCO BANK, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX negative in checking account. I called customer service at WesBanco bank. Was transferred to Bank manager XXXX. He proceeds to look up my account. I told him around XX/XX/XXXX XXXX I spoke to customer service about checking account being In negative charged XXXX. I had been really sick no funds. Lady from WesBanco says its best to freeze accounts to prevent additional NSF fees that could possibly occur if tries to clear again. 
XXXX said I can speak to his boss which he transfers me.to-his boss XXXX she tells me they do not Freeze accounts. Very negative she told me my account will be closed wont be able to get account again if I dont pay. I never mentioned a word about not paying would not listen or look thru through statements with me. Treated once again like N XXXX. I said thats how it was explained to me. She then repeatedly points out from XXXX XXXX How many pages of bet mgm were on my account from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: LTD Financial Services, L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CHAPTER  XXXX  WAS FILED  XXXX / XXXX / XXXX  AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON  XXXX / XXXX / XXXX . APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM  LTD FINANCIAL S ERVICES  XXXX ,  XXXX   XXXX  DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM  XXXX  CREDIT CARD. I MAILED LTD AND  XXXX  COPIES OF THE FILED CLAIM FOR  XXXX  AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER  XXXX  CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH  XXXX  AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE (  XXXX   XXXX   )  SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER  XXXX , IN FACT IT LISTS  XXXX  AS A  XXXX  BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED  BY LTD AND THE UNDUE   XXXX   XXXX   XXXX   THEY ARE CAUSING ME IS UNNECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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:
Transunion used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the 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 2022-07-20
Company: JPMORGAN CHASE & CO.
State: NY
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:
Between XX/XX/XXXX and XX/XX/XXXX, a series of purchases were made from someone elses XXXX  account using my Chase/XXXX  Rewards card . In total, there were nearly XXXX XXXX small transactions, adding up to a sum of almost {$6000.00} during this time period. Since these were all small transactions, I did not take notice of them, and I only noticed them in XXXX of this year, at which time I immediately notified the fraud department at Chase Card Services. 

The fraud investigation at Chase was unable to make contact with XXXX and did not receive a response from XXXX. Because it could not contact XXXX regarding these unauthorized charges, the fraud department concluded that since the merchant ( XXXX ) could not be reached and since I have been a customer of XXXX for a long time, the fraud case should be closed and not further investigated. I have this on a voice recording from my XX/XX/XXXX phone conversation with the Chase fraud department and would be happy to forward you a copy of the recording. 

The above response from Chase is simply unacceptable. Just because Chase can not make contact with XXXX does not invalidate my complaint. Furthermore, the fact that I have a history of purchases from XXXX does not invalidate my complaint either. The card that Chase has issued is branded as the Chase/XXXX  XXXX XXXX XXXX Therefore, not only are holders of this card expected to have a history of purchases with XXXX, but it is expected from Chase to be able to make contact with XXXX to confirm that the unauthorized purchases charged to my card were not made from my XXXX account but from someone elses XXXX account. These are the most basic elements of a dispute investigation that any financial institution is expected to complete before closing a complaint case such as mine. 

Given the poorly executed investigation work done by Chase, I took the initiative to contact XXXX myself in XXXX of this year. On two separate occasions, on the phone, I asked the XXXX representative to run some of the XXXX order numbers in dispute, and in both cases, the person confirmed on the phone that the purchases were NOT from my account. I have these conversations recorded. I have also filed a police report related to this case and am attaching it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Upgrade, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, Upgrade received my debt validation letter on XX/XX/2022. I have not received any confirmation within 60 days of this validation. Within this time period i have not received the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I'm getting numerous of calls from this company thru out the day and they aren't very nice calls either. I stated I will pay but I'm still getting harassed and getting called out my name more then once. I asked to speak to a manager and just got switched to another representative. This company is very unprofessional and something needs to be done because I shouldn't be called a XXXX in any shape nor form. I literally been getting calls from this company since XX/XX/2021 all the way up to today which is XX/XX/2021. They said they mailed me a letter but had the wrong address and all I have is voicemails that they left after I told them I'll pay and somehow we got disconnected and I do Security so after I got off I was every name in the book.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: STATE FARM BANK, FSB
State: IA
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:
My  XXXX  statement for the period  X/XX/17  to  X/XX/17  included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for  X/XX/17 . No prepayment was required and I had until  XXXX  day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On  X/X/17 , I submitted a written dispute of the charge to  State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted  X/X/16 .  State Farm Ban k did not acknowledge the dispute until  X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering  X/XX/17  to  X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date.  <P/> I contacted  State Farm Bank via  e-mail through their website requesting a full refund of the interest charged on the disputed amount.  State Farm Ba nk did not respond to my request.  <P/> In acknowledging the disputed , State Farm  Bank indicated that it could take up to one year to resolve the dispute. I believe the have only  two  billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated   XXXX   stating the disputed has been resolved in my favor. However,  State Farm B ank has not acted to refund the interest charged on the disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and sent letters along with my police report of the incident.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}

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 2018-04-26
Company: Pinnacle Credit Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pinnacle Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX  I have so many inquiries and accounts that I know nothing about like Bridgecrest and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019

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 2021-10-27
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received two phone calls from this company demanding payment on a debt. No written information was provided on the debt. Shortly after receiving the first call from this company a written dispute and request for validation letter was mailed on XX/XX/XXXX. During a second call with the representative I again informed her the account was in dispute and that I had requested validation of the debt. 

Today, XX/XX/XXXX this agency has reported the account to the credit bureau, did not indicate the account was disputed, and has failed to provide verification of the debt as requested on 2 separate occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital I will not pay this account, you are here by ordered to { cease and desist } any and all communications with everyone or companies but my self in writing only .No communications to anyone about any and all debt you state you have against me. THIS IS A OFFICAL NOTICE I never gave you any permission to publicize my personal information to anyone or company credit reporting companies no one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: GSF MORTGAGE CORP
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 The VA loan that I applied for was first a construction loan to build an XXXX home and then turned into a conventional loan a month after the house was completed which occurred on XXXX, XXXX 2021. Then, the mortgage payments started on XX/XX/2021 Prior to the transition to a conventional loan from a construction loan, I asked GSF on several occasions over the phone that I would want to put down money to lower my monthly payments. I was informed that, I would be able to do this at a later date in the loan process. 

Also prior to doing a buy down to lower my interest from XXXX to XXXX, I once again asked if I could give the additional money then to lower my monthly payments and GSF said, '' No, '' that I would be able to do that transaction at a later date. 

After the loan transitioned from a construction to a conventional, once again I spoke to them to put down additional funds to lower my monthly payments. At this point, I was told that, I could put down additional funds but, my monthly payments would not be lowered, only the principal would be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
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:
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested.     Now, I see no less than  XXXX    OneMain Financial hard inquiries on my  XXXX  credit report alone.
Frankly, I did n't even authorize the type of applicati  on they ran the first time, let alone  XXXX  more times.      XXXX  claimed it was only able to remove  XXXX  of these inquiries and suggested I contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Genesis FS Card Services, Inc.
State: GA
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:
I submitted a complaint about this company because they were charging me interest for fraudulent charges and had not fully removed the fraudulent charges from my account. I refused to pay on this card because the creditor was not cooperating with me. I have a late payment on this account in XXXX of XXXX  that was never removed even though they agreed they made a mistake via letter XX/XX/2022. Please remove this late payment from my credit reports.

Company response to consumer: Closed with explanation