BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter of debt collection for services in a hospital that was not mine. I tried disputing with the credit bureau reporting the collection but to no avail. I attempted to dispute the debt again with substantiating documents proving that the debt was not mine. Still, I was unable to dispute the data because of the reporting agency 's website error. On XX/XX/2023, I sent both debt collectors validation inquiries and have not received a follow-up. The original letter I received had a name that was not mine and was for a hospital visit I never made. I contacted XXXX to verify that they were not billed or have a claim for a visit, and they concurred that there is no record of a visit utilizing my benefits number. This is greatly and negatively affecting my credit and my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account as been restricted since XXXX I have sent in multiple Security appeal forms I have went to the branch multiple times I have also sat with the branch manager who advised me to call security. this process as taken way too long and my funds have not been available to me and I have things to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried to redo an existing mortgage but was refused for years.

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 2021-01-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Hi My name is XXXX XXXX. I have an American Express Serve account. I also have two subaccounts with them. On XX/XX/XXXX my husband ( one of the subaccount holders ) stayed at the XXXX in XXXX XXXX and checked out the XXXX. The XXXX charges {$150.00} for incidentals. Serve also put an extra {$12.00} hold bringing the total to {$170.00}. The {$150.00} hold was released by the hotel when he checked out. It is now XXXX XXXX and Serve has not returned the money. On XXXX XXXX I had a conference call between the hotel and a Serve rep. The hotel rep explained that the hotel does not need the money and the money should be returned to my account. The Serve rep responded by saying that they would not return the money for 30 days, we won't get it back until the XXXX day. 

I had a hotel stay at the XXXX XXXX from XXXXXX/XX/XXXX-to XX/XX/XXXX. My deposit was returned on the XXXX. Their treating the main account holder and the subaccount completely different. I really need this be resolved. If theirs anything you can do please let me know. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX I opened a business checking account at Bank of America because of the promotion they were running : https : //promo.bankofamerica.com/businesschecking/SBDDA.html # waysToAvoidBFA The terms of the promotion are : [ [ To earn the {$500.00} bonus : Open a Bank of America business checking account by XX/XX/XXXX. Make at least {$20000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening. Qualifying Deposits are deposits of funds into your new small business checking account that are new to Bank of America. A transfer done via ATM, online or teller, or a transfer from a Bank of America deposit account or brokerage accounts, such as XXXX XXXX or XXXX XXXX account, is not a Qualifying Deposit. 

Make ten ( 10 ) Qualifying Electronic Payments within 60 days of opening that new business checking account. Qualifying Electronic Payments include, debit card, online bill pay, or ACH transactions, wire transfers or XXXX payments ( starting/available in XXXX ). ] ] I met the promotion requirements but never received {$500.00} bonus. I contacted bank of america customer service multiple times regarding this issue, but as of today, still hasn't received the bonus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Well fargo bank I was over charged I had deposited a check for XXXX dollars and didn't even get half of my money back because they charged interest and other fees

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 2021-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello Equifax : I was lucky to get a copy of my XXXX XXXX and XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXX XXXX XXXX  on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: UHG, LLC
State: NV
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:
I do not have a contract with this company. They are trying to say I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Harvard Collections, LLC
State: DE
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:
In midXXXX XXXX, I received a credit alert stating that a collection had been submitted to my credit report, which caused my credit score to drop by XXXX points. I immediately contacted the company because I feared that someone may have stolen my identity. However, the very unscrupulous service rep who answered the phone stated that I owed Illinois State {$1000.00} for some sort of overpayment. I haven't lived in Illinois for over 25 years, and I didn't owe any entity when I left and I definitely do not owe one decades later. I disputed the collection and I also filed a complaint against Harvard Collection Services on XX/XX/XXXX. On XX/XX/XXXX, the company responded, noted the dispute in their records, and had the item removed from my credit report. Allegedly, the account was on hold while they attempted to validate this fraudulent debt, but ultimately the case was closed as resolved. I never heard from them again until XX/XX/XXXX, this company filed the same collection on my credit report causing my credit score to drop XXXX points again! I am outraged that a company can operate in this manner, so I decided to file a complaint with the CFPB at this point, before contacting an attorney. This feels extremely predatory and this company should not be allowed to do this to consumers -- especially in the current economic climate that we are currently in. It is not right! I also intend to file an additional complaint with the BBB. 
Consumers beware of the unscrupulous business practices of the following company : Harvard Collection Services XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was being charged XXXX XXXX monthly for a account I had money coming into. My card was hacked and used for online orders, instead of stopping suspicious activity, the bank approved the transaction. I was out my money.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Account name : USDA Rural DevelopmenXXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a letter to the creditor as well that states their letter that you are reporting this account accurately. Well, I disagree. I would like to see all documents you used to verify the account listed above. Please dont send me a simple letter stating that you have already verified the accounts ; I would like to see real proof. Pursuant 15usc 1692b ( 2 ) no state that such consumer owes any debt. This issue has become a problem, your corporation has ruined my reputation and this is a violation under 15usc1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Please be so kind and delete this false and alleged information from all my consumer reports and I demand an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
i took a balance transfer service from Chase Bank on my credit card. they charged me XXXX for XXXX for XXXX months. 
i called up and asked when is my balance transfer period ending. 
i was advised that XXXX will be my ending month and that i should return the money before the billing period expiry. 
i did make the payment but i was charged {$200.00} fee for interest charges. 
i called up to dispute and they did not help me with that. 
i closed the account. but now they are still charging me interest and late fee on the earlier applied interest. 
request you to please help me with this issue and this is causing me unnecessary harassment. 
i do not like to be in debt and this is like unwillingly pulling me in that. 
i have attached the account statement for reference. it is very clear that i made the payment well before the statement generation and they still charged me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: PA
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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a letter to the Credit Bureaus on XX/XX/202 to remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ) that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including these fraudulent information again.

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 2022-06-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Loan for a vehicle was opened in my name with XXXX XXXX in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXinforming them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by XXXX XXXX that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}

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 2023-03-29
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I asked Cash App to provide me with the total amount of XXXX purchases and sales ( in aggregate ) on my account. They did not provide this information and explained to me it is not available. I need to be able to understand this information in order to buy and sell the cryptocurrency they offer on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Deleted this account immediately for account violations.

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