BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a {$5000.00} dollar loan in XX/XX/XXXX from XXXX XXXX. I took the money out to start my now very successful business. 

I made the payments on time every month until XXXXXX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from Fradkin & Weber collection agency. The XXXX XXXX XXXX XXXX XXXX  company told me not to respond to it. I had an over 700 credit score at the time. Then F & W called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with XXXX. I made this payment at the XXXX MD branch off XXXX XXXX. I called F & W and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested F & W to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to F & W and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 non-monetary relief
Consumer complaint received 2022-03-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage statement and payment coupon are not delivered to my house in time for me to make an on time payment on my mortgage. I have complained numerous times to Select Portfolio Servicing Inc.. The company representative states that SPS Inc. is within their rights to delay the generation of and mailing of my statement and payment coupon beyond the grace period date, and that the delay should be blamed on the United States Post Office poor service. The company makes no allowance for my reliance on the USPS to return payment timely. The company stated that if I were to return payment beyond the grace period date, I would be charged a late fee regardless of when my statement and payment coupon was received by me. 

SPS Inc. representatives state that I could sign up for their internet based payment method. This is unacceptable to me. I do not trust a company, that does not care enough to mail a statement timely, would care enough to safeguard my banking and other personal information online. 

I have to wait by the mailbox daily hoping that my statement and payment coupon will be delivered in time for me to immediately write out a check and return to them before the date a late fee would be charged or worse, be recorded and reported late to credit agencies. 

This intentional delay causes undue stress on me. This intentional delay unfairly enriches SPS Inc. as my payment is posted to my account, after the first of the month, every month. 

I would like the CFPB to address this important issue with SPS Inc.. SPS Inc. acknowledges slower mail delivery, it is incumbent upon this company to adjust the date that my mortgage statement and payment coupon are printed and mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that 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 2022-09-03
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have a prepaid credit card from Chime. I purchased a subscription for XXXX on the XXXX of XXXX, by mistake with my XXXX  XXXX. So I immediately called XXXX for a refund, and they in turn immediately refunded it back to my card. During this process, Chime decided to put my prepaid debit card ( which only lets you spend the amount you put on the card ) in a XXXX balance. Leaving my overall account negative ( which is not possible to do with a prepaid card ). I called to tell them of the mistake, I was belittled, told that my money was posted to my account and that it was nothing else needed to be done cause apple was still processing the refund. Weeks after not seeing the refund post, I called again to ask them " Why hadn't my refund been posted to my account? ", I was told that 1st it had been posted and I had received my money. After I assured him I did not receive my money and the amount that they had posted only fixed the negative balance that was on there ( that shouldn't have been ). They told me this like 15 times without even trying to comprehend anything I was saying. They then lied to me and told me it was because XXXX tried to take the money 2 times. So I get off the phone, call apple and confirm, the very sweet lady I spoke with confirms with me that they did not charge me twice and that the mess-up is on chimes end. So I was blatantly lied to, all because someone messed up and didn't want to fix the problem. The guy XXXX I spoke to was very nonchalant and showed no concern or care for my issue. I know it's only XXXX but I need every penny I get. I am a college student living on my own with court issues, illnesses, and other obligations I have to attend to. So I'm here begging you to please help me get justice in this matter. I work very hard for every penny I earn and I need my money back as Chime will not even listen to fix the problem. Thank you in advance. 

With XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is inaccurate and false reporting. Please remove it from my credit report. 



XXXX  XXXX Bankruptcy / XXXX/ {$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 non-monetary relief
Consumer complaint received 2023-06-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX at around XXXX XXXX, I initiated a standard ( non-instant ) transfer from my Square Business Account of {$4100.00} to my personal Chase Checking account via the Square Portal. I own both the business tied to Square and the said personal checking account. In the past, I've been able to make instant transfers between these accounts with no problems. The portal claims the money will be available in 1-2 business days. 

The following Monday was a holiday so I figured the money will hit the account on Tuesday, which didn't happen. I thought I'd give it another business day. On Wednesday, XX/XX/XXXX, after still not having the money in the account - I called Square Customer support. I was told two things : 1. They were having " issues '' with transfers the day prior so my transfer may have been affected. 
2. That it still shows a " Pending '' status. 

I was told to wait one more business day again. Thursday came and the money still hasn't arrived. I called Square again where I was told that now the status has changed to " Complete '' and was given a transfer trace number that apparently I can provide XXXX when I call them about the missing transfer. 

I called XXXX and was passed around until I was sent to someone apparently in the ACH department, only to be told that the trace number is of no use and they also do not see misrouted or any pending transfers whatsoever. The " XXXX XXXX '' number of XXXX for XXXX on Square 's help section was also no good and only routed me to regular Customer Support. 

I called Square again and informed them of my call with XXXX. I was instructed to go to a physical branch where I have to apparently ask for a letter that verifies who I spoke with at the branch, its fax number and the " dates '' they looked at. 

I went to XXXX today and was given a cookie cutter letter of my deposit summary- nowhere stating that an ACH transfer was not found on any date range. Apparently, if they have to type a custom letter, " legal : will be involved. I was given a business card of the branch VP with the fax number but that was it. 

I responded to the Square email with a copy of this verification statement XXXX gave me and a scan of the business card but it has been 5 business days since I sent the transfer and the money still could not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I've contact XXXX  regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by Huntington National Bank to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact Huntington National Bank, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed Huntington national bank in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom This May Concern : I attempted to resolve this issue with TransUnion on two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX. Now, nearly a year later, the credit bureau has still not responded to my complaintsI, as a consumer, am not heard, but I am affected by their indifference. 

I am requesting help from the Consumer Financial Protection Bureau ( CFPB ) to resolve my complaint with the TransUnion credit bureau for failure to investigate, failure to respond within 30 days of my request ( on two separate occasions ), and failure to properly validate the process they used to prove that these inquiries are valid.

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 2020-03-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Citi dated XX/XX/XXXX regarding my Citi Thank you Preferred MasterCard credit card account. They stated they were closing the account due to inactivity. They did not contact me prior to closing the account even though I have had this account since XXXX. I last used the card in XX/XX/XXXX and paid that bill on XX/XX/XXXX. I had a XXXX  balance when the account was closed. 

I called Citibank on XX/XX/XXXX and asked them to reinstate my account. The first person I spoke with was based in the XXXX. They wanted my social security number which I declined to give them. Finally they transferred me to an agent in the United States who also requested my SS #, income, etc. and said they would need to run a credit report on me. This is the same as applying for a credit card. It is not reinstating my account which they should have been able to easily do since they just closed it. 

I gave them the information they requested and they will let me know in 5-10 business days if they will reinstate my account, what my credit limit will be and what the terms will be. Meanwhile my credit record will be dinged because they are running a credit report. I have no idea of the terms of the card they will reinstate. 

I feel quite angry that the company did not reach out to me before closing my account which was in good standing. This is no way to treat someone who has had an account with them for more than 30 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 2022-11-09
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have had XXXX recently which has relieved some of the pain where I can focus and start to get my life back and in order. I contacted Wells Fargo on XX/XX/18 in regards to a charge I noticed coming out of my account. The representative went over and traced how far back the transactions went. I advised her that I never authorized nor did I use the services above the free service they offered and never had to pay for anything nor have I used that company in over a year. I was charged for services over a year and was reimbursed only 2 months of charges they shut my card down and all to only refund me 2 months when I never authorized these fees to be taken out so its fraud charges. She asked why am I barley calling I advised her of my medical issues the last 2 years and I assumed it was my XXXX or XXXX feed because it was such a low amount. I didnt go over my statements as I should have due to the fact of me being on heavy pain meds due to my medical issues I have had. I wasnt able to function properly due to the XXXX XXXX. I had a very rough last couple years but I assumed it was those charges only to find out it wasnt. The charges were fraud and to only be reimbursed for 2 months is literally against what Wells Fargo should do when its fraud charges to a customers account no matter what. Im highly upset and disappointed that they are fdic insured but yet I have fraud charges to my account and due to me not noticing that the charges were fraud sooner I only get 2 months back I will not accept that.

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 2020-03-15
Company: Experian Information Solutions Inc.
State: NJ
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 sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting experian was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

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 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2018-08-21
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2018 I called XXXX XXXX to withdraw any ACH I had signed with them. The reason being- I will be paying them from another account, which I expressed to the company. She told me no problem and they would no longer withdraw. I log into my account on Monday, XX/XX/2018 and have a withdraw of XXXX from XXXX XXXX. I received no e-mail, phone call, nothing- even to warn me of this charge to my bank account. I have also filed a dispute with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation