BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-09-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian admits that they did not investigate this matter in the prescribed by law 30 days. They are shrouding their response in a late investigation that still produced suspect results, but regardless they are required by law to do the investigation in 30 days. They have admitted they did not do the investigation in 30 days.

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 2022-05-23
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 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 2016-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I went into my Chase Branch on XXXX XXXX XXXX in XXXX to deposit cash to my account via the ATM. The ATM rejected the deposit stating that this was not an allowed transaction. Thinking something was wrong with the ATm, I went in to make the depoait at the XXXX. The teller prepared the documents for deposit and then told me that the account was restricted and I needed to speak with the Officer on the floor. I went to speak with XXXX, the Officer on the floor that day and he looked up the account and verified that this was the case. He asked me to get ID and then he called the XXXX # on the screen and they proceeded to tell him that they could not advise him why nor could they tell me the reason but that I should wait for a letter. The letter never came that explained why they restricted my account, no advice prior, no notice and I had outstanding transactions against the account. XXXX verified that I could remove the funds that were in my account, which I did, and then I paid my rent by depositing cash to my landlords account instead of Chase pay like I normally do. In the interim I also had XXXX other bills that I paid via debit card and there was funds to cover ALL transactions with the deposit that I was making that day. Instead, they cleared the outstanding transactions the next day with no funds in my account and had the audacity to then charged me an overdraft fee too. They the closed my account on XXXX XXXX and sent me a letter stating that the account was closed due to an overdraft situation, which never would of occurred had they not forced me to remove my funds due to the unknown restriction on my account. Furthermore, prior to my going to the bank that afternoon I would not have known that this was the status of my account. I want to know the reason WHY????? the account was restricted, which was the status on XXXX/XXXX/2016. Not the reason that they put on the letter because that was an after fact - dated XXXX/XXXX/2016 after they made the mess that I am now in. They then turned the account to collection immediately after this all happened without any explanations. I want the negative reporting removed from my account as they did not even give a chance for any restitution but took adverse action to cover their mistake and lack of reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Hi Wells Fargo Bank Employees Ripped of Customers XXXX XXXX #? Accounts I Banked there, I, m Very Sad, and Appauled at this Bank, I made a Business Account in the Wells Fargo Bank, To Start a Co, when the man wanted me to use my XXXX XXXX XXXX and Bank Card, he said the Machine was n't Working about 6 Times I Slided it through? very Fishy Scene, I think theres a Hint to my Account involved in the Wells Fargo Bank Rip off s of Me, Period, I Banked my SSI Checks there for over 7 Years? I would like a Full Legal Document Stating, What are my Restitution Rights for being, Depressed, Angery, and Not Trusting Any Bank up the Street XXXX of Them? I would like a Full Total of my Rights of Whats Owed to me = From this Sick Rip off, Legaly Stating Amount $ $ to be paid to me, and Mayby I, m going to Take to Court? Please asap By

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 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I was initially charged a {$35.00} fee on my checking account for a check that was dated for the following day. I was informed by Bank of America that it does not matter when a check is dated for, tgey will cash it and charge you fees for being over drawn. They also charged me fees on ny savings account even though I was having money being deposited into it. I had enough of all the fees and asked to have the savings account closed. I have called XXXX times spoken with XXXX supervisors and they still refuse to close down the savings account so they can charge me additional fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: OneMain Finance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXXXXXX XXXX XXXXXXXX, I XXXX XXXX applied for a loan with One Maine Financial, while finishing up the paperwork I was asked if I would like to add unemployment insurance on the loan for a fee, I agreed to add that on. In XXXXXXXX XXXX XXXXXXXX the company I worked for closed down, and since then I have been going back and forth with the sate of XXXX  and XXXX to determine what state to file in, finally in XXXXXXXX XXXX  XXXX, I was directed to file for XXXX  unemployment. As soon as I was able to file I reached out to One Main Financial to get my unemployment insurance applied to my loan. Since then I was sent an email with paperwork to be filled out an returned which I did the same day. 
This morning I get a call from One Main Financial stating that I must provide more information regarding my claim, when I called I was instructed that I will need to prove that I worked at least XXXX the week of XX/XX/XXXX, when I asked what for I was told that in order for the insurance to kick in I would have had to work at least XXXX the week I took the loan out, prior to taking the loan I provided them with 2 months of check stubs from XX/XX/XXXX to XX/XX/XXXX, but they need XX/XX/XXXX to prove that I worked at least XXXX. To me it seems unfair and deceptive that I was sold a policy that I may not have been eligible to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
At XXXX XXXX on XXXX XXXX, 2016 I received an email from XXXX that I had been approved for an Amazon.com Rewards Visa Card and that my credit limit was {$5000.00}. The email also included a link to add my new card " ending in XXXX '' as the default payment option to XXXX account for future purchases. The email said further that I should contact Chase for questions on my credit card agreement and that I would receive my card within two weeks in a plain white envelope. Finally, there were instructions for how to go to my Amazon account to view my {$80.00} gift card balance -- my bonus for establishing this new Amazon Visa. 
I did not apply for this credit card and had no knowledge of it until yesterday -- the date that I supposedly applied for the credit card. So early today, XXXX XXXX, 2016, I called Amazon and they immediately transferred me to Chase Bank. During the next 45 minutes I spoke to XXXX people in XXXX different departments, explaining to them that although I already had a Chase Freedom Visa Card, I had not requested nor completed an application for an Amazon Visa Rewards card through Chase. No one I spoke with was able to tell me how this account managed to be opened, nor could they tell me how all my personal information, which I had to confirm repeatedly, had managed to appear on the new application for this account. 
After much persistence on my part, the new Chase Visa account was closed. Finally, the Chase Security Dept. agreed to contact the XXXX credit reporting agencies to have the account marked " Fraudulent '' so that my credit rating would not be affected. 
After concluding with Chase, I called the RI State Attorney General 's Office and they referred me to the RI Banking Commission ; because Chase Bank is not present in Rhode Island, they referred me to the OCC. The OCC then referred me to CFPB, the agency that regulates JP Morgan Chase. 
At CFPB I asked to speak to a supervisor who was able to tell me that there had been numerous complaints about Chase and suggesting that I call XXXX to file a Fraud Alert which would then be relayed to the other XXXX credit reporting agencies. I did this and am now following through with an online complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Deutsche Bank
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX qualifies for temporary hardship forebearance as stated in XXXX XXXX XXXX ( XXXX ) policies that allows 24 months in three-month increments. XXXX has applied for three 3-months and approved immediately. XXXX applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. XXXX applied electronically this time as suggested by XXXX ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. XXXX called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. XXXX called again this a.m. to inquire about the approval and was told that Deutsche Bank ( provider ) noted it was still in review. Deutsche Bank is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.

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 2016-10-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed an application for a mortgage refinance with Amerisave Mortgage Corporation on XXXX XXXX, 2016 in Colorado. I submitted all requested information on a timely and expeditious bases. It is now XXXX XXXX, 2016, and there is no answer as far as a credit decision. No one from the company will speak to 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 2017-01-29
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Fri, XXXX XXXX, XXXX XXXX  ( 7 days ago ) to me paypal Dear n/a, Congratulations! Your withdrawal limit has now been lifted. You can now withdraw unlimited funds from your PayPal account. 


Yours sincerely, PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Convergent Outsourcing regarding a collection that has been reported to the three credit reporting agencies. My first attempted to contact them was via phone. I was informed that I had to submit a letter to Convergent and on a document they sent me and I did but yet it is still on the credit report. The XXXX account in question was opened in XXXXXXXX XXXX XXXXXXXX. I do not use XXXX and have not for over 10 years. My cellphone provider is XXXX and I am my daughters phone plane and have been for many years. 
I have called Convergent Outsourcing on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, and XXXX XXXX. I contacted XXXX and spoke with XXXX and was informed that the accounts were closed and my credit report would be corrected I am still waiting for this to happen. 

Convergent Outsourcing Account XXXX XXXXXXXX 
Amount {$930.00}

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 explanation
Consumer complaint received 2020-12-24
Company: Americas Car-Mart, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2020, I wrote a letter to America 's Car-Mart asking them to provide proof of legal notices that they were required to send to me after the repossession of a car. I received none of the notices that were required. They responded with a letter dated XX/XX/2020 stating that they had reviewed the account information, however, they were not able to locate the account and asked for identification. I responded with a letter asking them to delete the account that is being reported on my credit reports because they can not find the account on XX/XX/2020. I also sent them a copy of my driver 's license and social security card. On XX/XX/2020, America 's Car Mart responded with a letter basically telling me that they do not validate account information. I was not asking for validation. I asked for proof of legal notices being sent to me since they are reporting a repossession on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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