BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In early XXXX ofXX/XX/XXXX, I tried to XXXX some money to a friend from my personal BMO Harris checking account and got the following error message : " For security reasons, we've restricted your access to this service. Call ( XXXX ) XXXX to resolve the issue. '' I called that number and the bank 's main Customer Service number and spoke to five different people over the course of the past three weeks. One of the first reps I spoke to told me that my XXXX account had been frozen but couldn't tell me why. I elevated the situation and eventually talked to someone who said that there is a pending fraud charge against my XXXX account related to a XXXX transfer from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX was a prospective tenant who was applying for a vacancy in one of my rental units and sent the {$100.00} to pay for the application fees for her and her roommate. She did not get the apartment and she probably filed a fraud charge against me to get her money back. I have never gotten a phone call or email from anyone at BMO Harris Bank about why my account was frozen, is still frozen, who's working on a resolution, what the status of that resolution is. Every time I call, someone puts more " notes in the system '' and tells me I should be hearing something soon. I need your help to resolve this.

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 2020-06-16
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Calvary Portfolio Service would not disclose who they were or who they represented. 
They claimed that a XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your f**king credit! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: AZ
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:
The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below XXXXXXXX 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

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 2021-01-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. 

Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. 

Moreover My XXXX payment request is also blocked or stopped. 

I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi i have over  36 cf pb case claims against wachovia /wells fargo bank mortgages, iam awaiting repsponce from the cfpb and wells fargo bank mortgages who stole my home with perjury and fraud commited no missed paymant acounts mortgage and escrow in credit lost over {$270000.00} in hard earned cash and my penshion fund iam  XXXX   years old how do you exspect me to keep track on this corrupt bank w hen the cfpb system is a joke you deliberatly changed and blocked my password you send a email reset password and your link does not open so no i can not log in to my acount? Dont you think you have protected this corupt bank for long enough  36 cfp b casses and what have you done? you are fineing the small banks as a smoke screen but you need to shut this bank down fraud and perjury committed in courts all over  america  and you are protecting them you are a accessory to organised crime  mr  obama did nothing i will send my compliant to presidant donald  trump  and see what he thinks about this crooked bank wells fargo bank mortgages and crook    XXXX   XXXX     ceo

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 information was misused and has caused harm to me and my report setting me back in a major way because Transunion agency has not been 100 % accurate. I sent along attachments on he violation they continue to break.

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 2022-03-07
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:
this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX 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 XXXXXXXX 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 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 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 2023-01-10
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX visiting daughter in XXXX XXXXWe have a shared Costco account. To Costco. Offered to buy XXXX XXXX XXXX for daughter. Got to check out. Didn't have my Costco credit card. Daughter charged XXXX  to her account. I told her I'd send {$140.00} to Citi Bank Costco as soon as i got home to PA. Sent check to Citi bank XX/XX/XXXX for {$140.00}. Put last four digits of daughter 's account in memo line of check. btw, I pay all my Costco bills by check and put last four digits of my account on memo line. So far, never a problem. I noted on XX/XX/XXXX statement the {$140.00} had not been credited. XX/XX/XXXX and XX/XX/XXXX Called Citi who determined money had been deposited to another XXXX account with same last four digits. Citi told me money will be in our joint account in 7-10 days and i'd receive by snail mail documentation to complete and return within 30 days.Money did appear in account as credit but no snail mail arrived. XXXX XXXX Called Citi to say no snail mail documentation request had arrived. Citi determined snail mail had been sent to XXXX, NC. Same daughter lived in XXXX in XXXX but left forwarding address with PO when she moved to XXXX. Citi said they will resend documentation request to me in PA. Meanwhile, {$140.00} has been taken out of our account because snail mail documentation request was not returned to Citi. XX/XX/XXXX call to Citi to ask what next. Citi states " investigation started. '' snail mail request resent. XX/XX/XXXX - called Citi because no snail mail request has arrived. Citi states none sent but will send it today ( XX/XX/XXXX ). XX/XX/XXXX Snail mail from Citi saying they can not find {$140.00} and I am to send copy front/back of check to them. Copy sent to Citi Costco XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This attorney XXXX XXXX has bullied us that if we do not enter into an agreement with him for three times what the bank wanted in XXXX, so XXXX, for a debt of a third party, that he is going to sell my mother 's primary residence to investors for XXXX. Her property is worth XXXX and your loan was XXXX. so is the XXXX tip for Mr cooper or who, Besides this attorney sent us a letter and came face to face to us without disclosing that he is a debt collector and any information will be used to collect The issue is the debt is of a third person and his judgment is over 4 years old and for another person not in the title of my mom 's home.

Is uncolllectable and the tactics to recover form ore that the face value of the initial debt in XXXX is against fDCPA as abuse and more abusinve to charge her for the debt of another apparently Mr Cooper already made a " deal " with the revoked trust account by the state of Nm for not making annual reports, and saids has crafted a title but we did not get to see Because you hired him and he speaks for you mr cooper si responsible of the FDCPA tactics this person used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reviewed my XXXX credit report dated XXXX XXXX, 2017 and Portfolio Recovery Associates ( PRC ) reports an original balance due of {$1200.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.
4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from PRC.
5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies.
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NY
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:
The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is account that was opened using my identity. My personal information was stolen from me and someone initiated this debt fraudulently. I do not claim any ownership to this account. I have filed dispute with XXXX XXXX and XXXX. They indicated that this account was from a car insurance place XXXX XXXX. I currently do NOT currently own or operate a vehicle that is insured with this company. PLEASE THIS DEBT FROM MY CREDIT REPORTS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issue : I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 



Mohela is denying my PSLF application due to my employer not answering questions XXXX in Section XXXX confirming the organization type. The applicable questions in Section XXXX questions XXXX were completed on the application that was sent to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: STERLING JEWELERS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kay  Jewlers sold my account to  XXXX   XXXX   XXXX . There are in violations of the FCRA. They are still reporting.I dont have a contract with kay jewlers. They have sold my account for pennies on the dollar, and still reporting negative comments on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ACT XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX 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 2023-02-28
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We used Paypal to purchase a XXXX XXXX with a white oven door in XXXX of XXXX. We received a stainless steel stove with no white oven door. We contacted XXXX XXXX, and they issued a small refund and told us they would be shipping the door. That conversation took place in XXXX. They have not shipped the door as of XX/XX/XXXX. XXXX XXXX has knowingly committed fraud and shipped us an item that was not as described. Paypal remains complacent in the affair as well. We filed a buyer dispute, and Paypal asked us to return the item. This is a freight item, mind you. 

We deserve our money back, and XXXX XXXX needs to make arrangements to either ship us the door overnight or pay for return shipping and arrange a freight pickup. 

Paypal is insanely asinine to have come to such an inefficient resolution. 

I sent photos and documentation to prove we did not receive what we ordered. Now Paypal has not given me the buyer guarantee that they advertise. 

Paypal knowingly helps others commit fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
Company: Upgrade, Inc.
State: MI
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 sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name galaxy and upgrade still harass me even though they have ignored my dispute. both them and galaxy international purchasing

Company response to consumer: Closed with explanation