BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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 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 XXXX 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 XXXX 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 explanation
Consumer complaint received 2018-03-10
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Blitt and Gaines is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with Blitt and Gaines.  They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good day, On XX/XX/2022, when i open my email and my PayPal account i received a message that " You can no longer do business with PayPal ( Ref ID - XXXX ) '' without any explanation why my account was permanently limit i use my account for my business and i need it can you please help me to recover my account and lift my limitation so i can withdraw the hold fund on my account and i can use again it for my business. 

Thank you Very Much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
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: Problem with personal statement of dispute

Complaint:
I sent a complaint on XX/XX/XXXX reguarding incorrect information on my credit report. This complaint ID is XXXX. My dispute nor my complaint was regarding balance details. 

I am aware that a trade line must be a XXXX balance once it is transferred. This is was not my complaint. I did not request to know the information on who you sold/transfer the debt to. 

My complaint is to challenge the payment history that is showing up that this account was late inXX/XX/XXXX. ( It was not ) Your reporting says that my report shows a K or repo - indication in XX/XX/XXXX. ( It was not repossessed in XX/XX/XXXX ) The reason for me citing my Chapter XXXX Bankruptcy is because your company still reports that this is a current charge of an that I CURRENTLY have this as a status on my credit report. Other reports show status as No data/ This is inaccurate. 

Your reporting also shows that my last payment date was XX/XX/XXXX. If your reporting is CURRENLY accurate, how can this trade line be K in XX/XX/XXXX, but then have a payment from me on XX/XX/XXXX? 

Which is it? 
Did the account K in XXXX? 
Was my last date of my activity in XX/XX/XXXX? 

Your reporting is all over the place. This is why this account must be removed! 

Due to this I want this trade line deleted. It has been more than 30 days from my initial disputed.

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 2018-10-09
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filed a complaint XXXX about the practices of XXXX XXXX   XXXX with the cfpb about their failure to return funds due my late brothers estate. In response their agent Mr. XXXX XXXX stated on XX/XX/2018 that a check, which I've yet to receive would be mailed to me on XX/XX/2018. I've tried call to no avail and am tried of this company giving me grief about this money not to mention that the amount they stated as due did not include funds held in the mortgage escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to a teller and made a deposit because the outside ATM was down so I had to go inside I made a deposit for my life insurance but did not get credit for it I call and complain still to this day they did not credit my account this was back in XXXX or XXXX they also charge a credit card payment to my account that I already removed the payment information from but I prove my case and it was reversed

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was forced to keep an account that I didnt open and also received hundreds of dollars in overdraft fees and other interest and 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 2021-07-23
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: TN
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 fighting this issue for over a year now. My latest attempt was to day XX/XX/2020 @ XXXX. I have made several phone calls throughout this week to EQUIFAX. I have also sent mail out with documents to justify the incorrect information reflecting on my credit profile within the last two weeks of date XX/XX/2020. I have recently sent off more documents priority mail today XX/XX/2020. I have sent over fax mail with the documents to justify the incorrect information reporting to my credit profile on XX/XX/2020. The problem is that I have two accounts online with EQUIFAX. One is a subscription I pay monthly for Equifax Advantage Plan Subscription which is reporting my information correctly. However, myequifax.com is reporting my information incorrectly with fraudulent accounts and a fraudulent social security number as well, along with addresses that are not mine. MYEQUIFAX.COM does not require a subscription and is free to sign up ON THIS WEBSITE MY INFORMATION IS REPORTING FRAUDULENT INFORMATION. I HAVE ASKED THEM TO REMOVE THESE THINGS AND HAVE SENT IN THE DOCUMENTS & STILL NO RESOLUTION. I HAVE DISPUTED THESE THINGS BEFORE AND THEY WERE REMOVED/DELETED BUT IT IS NOT REFLECTING ON MYEQUIFAX.COM ITS ONLY REFLECTING ON EQUIFAX.COM IN WHICH I PAY THE SUBSCRIPTION MONTHLY, AND WHEN A CREDITOR PULLS MY CREDIT THESE FRAUDULANT ACCOUNTS SHOW UP EVEN WHILE IM USING MY CORRECT SOCIAL SECURITY NUMBER. ALL BECAUSE MY INFORMATION IS NOT IN THEIR SYSTEM CORRECTLY. THIS IS AFFECTING THE OVERALL HEALTH OF MY CREDIT. I CAN USE MY VERIFICATION QUESTIONS TO UNLOCK MY ACCOUNT WITH CUSTOMER CARE AT EQUIFAX AND THEY WILL ACCESS THE ACCOUNT WITH FRADULENT ACTIVITY ON THERE. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Date : XX/XX/XXXX - transferred XXXX out of checking to supposed to be for sons child support per decree Date : XXXX  - when I pulled up the person I always pay via XXXX- it populated online I sent the money Date : XX/XX/XXXX - 2 digits were incorrect on the phone - but it populated correct recipient name Date : XX/XX/XXXX - I am only human and made all honest effort to verify info before sending money Date : XX/XX/XXXX - XXXX was sent to XXXX XXXX ( someone I do not know ) Date : XX/XX/XXXX - I immediately called and spoke to a Cap one claim rep who opened a claim for me told me up to 10 days to process and happens all the time. He was in the Cap One XXXX XXXX call center. 

Date : XX/XX/XXXX - not 10 days yet - called XXXX on XX/XX/XXXX, Monday at XXXX XXXX XXXX Cap one VRU system transferred me to claims. " XXXX '' with Cap one claims verified me and stated my claim was " denied ''. I asked for a supervisor and he put me on an endless loop hold. 

I attempted to call XXXX - their system automatically states I have to have used the app exclusively and not through my bank account to even qualify to discuss anything with them. 

When you open up this case and investigate - you will see that I have clear, concise notes on the memo section which reflects my true intentions and there is no game-playing here. I have been with Cap One a very long time and they need to " do the right thing '' and credit my account for the XXXX that was intended for XXXX XXXX XXXX XXXX XXXX XXXX child support. Her cell is XXXX and in Capital One 's online banking system, the minute I put in the name, XXXX XXXX XXXX  cell populated ( I don't know this person ) and my son 's child support money was sent to him by accident. 

Can I be the only person this has happened to? Is this how banks and XXXX are going to handle this? 

How would you feel if this happened to you? 

Justice needs to be served. Fair is fair. I had only honest intentions of sending money to my son 's mother for support. Instead, large conglomerate Capital One could careless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX - an assisted living facility in XXXX, Virginia - part of the company " XXXX XXXX XXXX  '' - has been withdrawing money electronically out of my account without my permission. I have been handling the payments for my mother, XXXX XXXX, who was a resident from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, an electronic withdrawal for {$9200.00} was authorized without my person from my Wells Fargo account. At that time, this was rectified by Wells Fargo and the money returned. On XX/XX/XXXX a check from my account XXXX # XXXX XXXX which I did authorize for {$2700.00} was withdrawn from my account. On XX/XX/XXXX, the same amount - {$2700.00} - was also electronically withdrawn using ACH. I have put in a claim with Wells Fargo. I asked XXXX XXXX to remove my electronic banking information and to never use it again back in XX/XX/XXXX. They did not comply. Wells Fargo has told me that they can not put a hold on XXXX XXXX because they use a different number for every electronic transaction so there is no way for me to stop it on my end. My account at Wells Fargo is now withdrawn. I do not have access to my money and it will be days before this dispute is rectified. 
When I submitted the check ( # XXXX XXXX I also requested a statement showing the amounts paid and a XXXX  balance and the date that my mother left XXXX XXXX. This has not been given to me. 
The people I have contacted over the last seven months at XXXX XXXX are XXXX XXXX, business manager and XXXX XXXX, XXXXxecutive director. At XXXX XXXX XXXX I have contacted XXXX XXXX and XXXX XXXX. I talked with a customer service rep at Wells Fargo and have a claim number for the current dispute.

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 2021-01-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We have had this loan since XX/XX/2019 we have paid almost {$6000.00} towards this vehicle the balance only reflects about {$3000.00} the company will not respond to my requests for payment historys and when I tried to refinance the vehicle through my bank I was told this was a predatory lending situation because they basically put me in an upside down loan. I would like this modified to the actual value of the vehicle we have made all of our payments in time and dont deserve this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Yes. The company had sent me out paperwork to fill out for a loan modification and I sent the paperwork back in and then they reviewed it and sent me back a letter saying I was approved and needed me to get XXXX papers notarized and I did that as well but then they said they out of the 4 only two were notarized and I resent them the same copies and each time I overnight this paperwork as the receipts will show but they keep saying I didn't get the paperwork in on time but there was nothing wrong with the paperwork in the first place. So they denied me what they had already approved me for and I've had an financial cut in my income but I should be okay by XXXX. This company has been giving me problems from the day they took over Ocwen and not to mention that my Mortgage payments have went up along with my fixed interest rate. I'm totally XXXX and I want to keep my home. I have worked for this home since I was young as a single mom with XXXX children, I was being lazy depending on XXXX, I worked and I had to raise my kids and it just is frustrating to look back at these papers and see that I purchase this house in XXXX for {$48000.00} and its now XXXX and I still owe more than the purchase price {$50000.00}. I never refinance to my knowledge, I was just a young lady trying to buy my first home and my kids are grown and with their own families and I'm still in great financial debt with this house. I don't even understand how or why. I don't know what went wrong or how could I have been paying for taxes or interest all these years. Please somebody help me that I may help someone else never to be in this position, Thanking you in Advance for your Sincere Time and Concern over my Situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NC
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 recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX Wednesday XX/XX/XXXX, XXXX {$100.00} Dispute # XXXX I did NOT purchase anything from XXXX. Although, I have a transaction on my credit builder card that I did NOT make. I never got an email saying I made a purchase, nor did I receive anything from XXXX  NOR do I have a need to buy anything from them. When you make a purchase from a company, they send a receipt. Well, I don't have one because I did not make this transactions. Chime keeps asking me for proof. How can I have proof of something I DID NOT PURCHASE! a purchase I DID NOT MAKE! 

I have reached out several times for this issue to be fixed and they will not help. They are not doing their job. All they have to do is get their IT professionals and see where the purchase was made. I guarantee it was not made from my computer or phone. This is not the first time this has happened. This bank is horrible with their fraud department, and I will be switching banks as soon as I get my money back. 

There were actually two transactions back-to-back which is an obvious sign of fraud. Luckily, the second one was denied. It happened again yesterday XX/XX/22 a transaction was trying to post but luckily it was denied. 

I just want Chime to do their job, actually investigate, see that it I didn't make this purchase and give me my money back. This has taken up so much of my time and I want it to be over!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX I ordered Quickbooks Bill Pay for my XXXX  business checking account, the fee was to be {$14.00} a month. 2 Months later I received an email from XXXX treasury dept that due to technical problems they were not able to activate the " Bill Pay '' service on my account. They advise me to report that to the vendor, in writing, which I did. 
The {$14.00} continued to be taken, but my Bank rep was writing a refund to me when I reported the taking. When the rep was no longer there, I took the matter to the Manager, who said the fee pull was being initiated by XXXX XXXX  and she could do nothing about it. So I moved my account to BB & T Bank in XX/XX/XXXX. In late XX/XX/XXXX BB & T processed several ach payments to XXXX  from my account. Both BB & T and XXXX had been noticed in writing 60 days in advance that our contract with XXXX was ending on XX/XX/XXXX. That this same date also fully ended XXXX permission to process ACH pulls, To assure enforcement of this, I also closed the Payroll account. 
As I have a time warning I will end. I next move my account to XXXX XXXX in XX/XX/XXXX. I then noticed that the {$14.00} pull was still happening. I researched it deeply and found records showing that this was for the " Bill Pay '' service ordered in XX/XX/XXXX. I had thus far had nearly {$1000.00} taken in this manner. I took the entire matter to XXXX XXXX. They said the best they could do was to return one of the {$14.00} takings, as this was not in their control. They are still taking {$14.00} a month for this " service : '' that was never provided, not for even a day! XXXX XXXX, customer three Banks : XXXX, then BB & T, presently 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