BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: IL
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 woke up on XX/XX/XXXX to two new inquiries on my XXXXExperian credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXXXXXX '' on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.

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 2023-07-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Been trying for the last 1 and a half years to complete successor in interest and assumption of loan on my home, and remove my " ex '' from the loan. I dont know why Mr Cooper too so long to acknowledge me as successor? I had to ask XXXX XXXX to help and they finally got Mr cooper to send me the right papers and complete this after 1 year. Thank you Lord! XXXX, i filed all my papers for the assumption on XXXX, and it was not acknowledged until XXXX. I have continued to call every few weeks, once a month and it is at 3 full months. I have been told each time that I call that someone will follow up with me soon, that they have all they need on the loan and that its at final " cost '' numbers, and also at " funding? '' but have never spoken to anyone. After 1 year fighting for successor and despite the new CFPB rules for successor, Mr Cooper has put me off this far again! Please help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2023-09-14
Company: Bread Financial Holdings, Inc.
State: GA
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:
I am refilling this complaint to XXXX for XXXX fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have paid this account as agreed and the company/credit reporting agency has reported the account as closed instead of paid as agreed and it has negatively impacted my credit score and report which is not doing right by me as the consumer who fulfilled this high dollar commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
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 # 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 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 explanation
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Been getting charged for years {$10.00} fees every month they list everything from having {$350.00} into the account to avoid the fee to having associated withdrawals of amount of more than 10 transactions per month which I fall one of those and I still get charged the fee of dollars a month for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX regarding 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 2022-10-05
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXY ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX COLLEGE XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2021-05-03
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I can not login to my Cash App account to withdraw funds or access any documents. There is approximately {$700.00} in the account, and I was also informed that I have a Tax Document waiting for me ( " paperless delivery '' ). 

When I try to login, I get an error that I've " changed my $ Cashtag too many times '' and am told to " Contact Support ''. I first contacted support at least two months ago to try to resolve this issue XXXX received first response XX/XX/XXXX ). I keep getting generic, canned responses which do not resolve the issue. I have been contacted by at least six ( 6 ) different support representatives. One will contact me requesting information, I will provide that information, then wait a day or two, and a new representative will reach out and ask for the same information. Repeat. I've also tried telephone support, but they were unable to provide any help. 
They are holding my funds without reasonable access, and, more urgently, I am in need of my tax document so I can prepare my XXXX Tax Returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.

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 2019-04-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi I believe I have been retaliated by PNC Bank for contacting the Consumer Financial Protection Bureau. I called on XX/XX/XXXX and spoke to a woman, XXXX and was told all my checks and I asked her to order them and they would be free and she would call me back on XX/XX/XXXX and tell me why this was not handled correctly in the first place. I never heard back and filed my complaint. I called today to make sure my check were actually order. XXXX told me because I filed my complaint XXXX XXXX was handling this matter. I was never notified that XXXX XXXX was handling it. XXXX did not order my checks and then tried to tell me checks were only free on the the master account which is not disclosed on the fee schedule. All checks are free on the Performance Select Checking. It does not say only the Master Account. This should be disclosed to the consumer. Finally she ordered the checks. XXXX refused to overnight the checks even though the check order was delayed by 2 days as retaliation by XXXX since I contacted the Consumer Financial Protection Bureau. It should be mentioned that I called XXXX Bank and requested that I receive a check order on all my accounts as they are free on the fee disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: BANK OF THE WEST
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I was supposed to receive two different XXXX ( real time ) deposits. I received the email confirmation from XXXX and the issuing parties that the funds were sent and should be available immediately. It has now been more than 24 hours and my funds have still not posted. I have called the online bank 9 times within the past 24 hours and have waited on extended holds exceeding 2 hours. Once I received a live person he told me I reached the wrong department and had to transfer me to the online department. I waited another 50 minutes for the phone to just disconnect. Each time I call and the call reaches about 90 minutes on hold the phone disconnects. I am unable to get help with my concerns. I went in person to a local branch and they were unprofessional and did not want to investigate my inquiry. This bank has had many unethical business practices in the past such as not posting funds when available, overdraft fees for items that were still in a pending status, etc. I have conducted a lot of business via XXXX and never had a problem receive my funds in a timely manner with other financial institutions. Bank of the West is unethical. Im sitting at a branch now and nothing appears to be getting resolved.

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 2022-01-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at around XXXX CT, I was held at gunpoint by two men who took my wallet and phone. They forced me to unlock my phone and log into my Chase bank app. I was then held by one of the men. while the other went to withdraw money from an ATM at a near by grocery store. Once they were able to get the money, the let me go but kept my phone and wallet. When I got home, I called the police who came and took my statement. I gave them screenshots of my account to show that they had taken money out of my personal and business accounts but had also make a XXXX transfer of {$2000.00}. The next morning, I called Chase and they were able to reverse the ATM withdrawls with in a few days. 

On XX/XX/XXXX, I received a message from Chase that they were denying my claim for the {$2000.00} XXXX transfer. I contacted them again to dispute and retell my story of being robbed and they re-opened the claim. On XX/XX/XXXX I received another message again denying my claim. 

I have requested and am waiting to receive a copy of my police report to submit as evidence but in the meantime wanted to file this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I won a {$500.00} gift card from the NYS Lottery 2nd chance drawing last year. When I went to use it this Spring I checked to make sure it didn't need to be activated and it showed a balance of {$3.00} ( I never used the card at all ). I contacted Vanilla ( The issuer ) and they said they have to do an investigation and it would take " up to 90 days '' I submitted everything they asked for and I waited. We just passed the 90 day mark and I never heard anything from them so I called them. After being left on hold for OVER an hour ( Sorry for yelling ) I hung up and called back. The woman first said they didn't have an answer and then she said the balance is {$480.00}. ** because of service charges which were apparently charged while the card was locked up usage wise by them for their " investigation ''. I explained that the card says there will be a charge on the XXXX month after activity of which there wasn't any activity at all. So they charged fees that weren't proper especially since they had the card not activated during the " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, i was charged a fees of {$100.00} by Discover credit card. I used the credit card for XXXX XXXX but was not made aware that this will be treated as the cash advances. This thing was not disclosed to me by Discover and was also not disclosed to me by XXXX when I was making the transaction. 

I as totally unaware of this cash advance thing and have never used this before on any of my credit cards since last 10 years or so and hence was surprised to see this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a company known as True Accord which prompted my first request for intervention by XXXX in the month of XXXX. I requested for a validation of this debt by provision of my contractual agreement of the loan and the authorization of the company to contact me and request for payment. 
In the same month of XXXX, I received a letter from a different company known as XXXX XXXX XXXX XXXX XXXX. This company is total different from True Accord and made no refence to True Accord which is the Company that I responded. This is a misleading and false representation of debt and Agency. I perceived this act as an attempt to scam me. 
I hereby request that True Accord provide me with the validation documents request.. XXXX XXXX XXXX XXXX has no XXXX XXXX to respond to a matter not connected to them.

Company response to consumer: Closed with explanation