BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-02-16
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been using US Bank ReliaCard Bill Pay for years. I have myself setup as a payee with my home address. In the past they have always issued a paper check that has been sent to my house. On XX/XX/XXXX, I logged into US Banks bill pay as normal and requested {$2000.00}. They deducted the money from my account but I never received the check. I called multiple times to see what happened to my money and tickets where opened. On XX/XX/XXXX, I requested another bill payment for {$2000.00} and the funds were automatically. On this same day, I called US Bank again to find out the status of my XX/XX/XXXX dispute. During this call the rep told me the funds were wired to an account so I would probably have the same issue with the XX/XX/XXXX request. Within 3-10 minutes of me submitting the request she sent a cancelation request. When I called again today they said they didn't process the cancellation in time and they deducted another {$2000.00} and wired it to somewhere I did not request. On one of my calls today, we discovered this may have happened to another bill pay request of {$2000.00} on XX/XX/XXXX. In summary, {$4000.00} for sure and possibly {$6000.00} were withdrawn from my account and not sent to me. They were wired to some account that is not mine. In summary, I had myself set up in as a payee in bill pay to receive a paper check when I needed to get money and instead of following the delivery method, they auto wired it to some account that I didn't set up. Thus far, I have been unable to get my money back into my account and I have no idea where the bank/bill pay partner deposited it. They need to get my money back from wherever they sent it and deposit it back in my account. There should have been no wire transfers. This has been an extreme hardship.

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 2020-03-25
Company: Prosper Marketplace, Inc.
State: CA
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:
On XX/XX/XXXX, I submitted loan application documents at the request of personal who contacted me from Prosper services. I realized that my name was not correct on the loan, it was XXXX, my former legal name. My new name was XXXX, and I forwarded the appropriate court documents and drivers license to verify. I was verbally told by phone that I was approved and that I should submit these documents and confirm my application online. Upon submitting everything, I received a call on the morning of XX/XX/XXXX, confirming yet again that I had been approved. I logged into my account after receiving an email stating that I had an update. Upon logging in I was notified my account had been suspended and my loan was cancelled. The message read : Unable to verify identity, employment, credit history, income or other information on the application.This is impossible as I had provided all necessary information and documentation to Prosper.I called back and was told " sorry, and to reapply in 90 days, '' as this was unacceptable I asked to speak to a supervisor. His name was XXXX, and he told me this would be forwarded to investigation services for their review. They are no refusing to answer my calls and update me on the investigation, meanwhile a hard credit exists without any reasonable answer as to why they cancelled my loan request.

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 2023-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Initially, the expected delivery was about a week away, but surprisingly, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly waiting, I stayed home all day anticipating the arrival of the drone. However, upon checking my XXXX account, I was startled to find a notification stating the drone had been delivered. 
Frantically searching, I found no trace of the package at my front door. Contacting XXXX immediately, they advised waiting for potential delayed delivery or filing a police report if the package didnt arrive. Despite waiting, the package never reached me, leading me to file a police report on the same day, XX/XX/2023. 
XXXX assured an investigation upon forwarding the case to their back office. Yet, the next day, I received an email declining a refund or replacement, asserting the item had been delivered, backed by a picture. Frustrated, I reiterated that I hadn't received the package. Consequently, I disputed the charge with my credit card company, furnishing them with all correspondences with XXXX and the police report. 
Regrettably, despite my efforts, the credit card dispute was denied by Wells Fargo. I provided them with detailed evidence, including my exchanges with XXXX and the police report number. It feels unjust to bear the cost of an item that never made it to my hands.

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 2023-08-20
Company: Self Financial Inc.
State: TX
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 payment history of my account has been inaccurate, and incomplete. 

In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. 
# XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I am complaining about my mortgage not showing on my husbands and my credit report with Experian credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX XXXX 
I emailed and called XXXX on XX/XX/XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called Experian on XX/XX/XXXX at XXXX XXXX  using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was threatened to be sued in court. Multiple calls made during midnight, ( Hawaii Time ). They are trying to collect By someone who could have stolen my identity. 

The name of the person they are trying to collect on debt on is shown as : XXXX XXXX. 

My full legal name is : XXXX XXXX XXXX is also not the same per documents that were given by debt collector. They are also Illegally collecting interest and frequently reporting the change in amount every single month on my credit which harms my credit score every single month!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: ACIMA CREDIT, LLC
State: IL
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:
In XX/XX/2020 I found out 1 of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My checking account is missing and inbound external ACH transfer amount of {$3000.00}. The external ACH transfer reference number is : XXXX. I have contacted customer service several times since XX/XX/2023 and created multiple cases, disputes over phone but have not received any confirmation of my complaint by letter or email. No one reached out to me so far. My Citibank case numbers are XXXX, XXXX and XXXX. 


In XX/XX/2023 I have deposited a total amount of {$6000.00} to my Citibank checking account including one XXXX deposit of {$3000.00} and ACH deposit of {$3000.00}. But currently my accounts has balance for only {$50.00}. 

The transaction entry for XX/XX/XXXX for withdrawal amount {$3000.00} shows a description that has text like ACH reversal for XXXX dated XX/XX/XXXX. 

My CPFB complaint numbers related to this case are 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 monetary relief
Consumer complaint received 2023-12-07
Company: CHARLES SCHWAB CORPORATION, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Unjustified Closure of My Account Dear Sir/Madam, I am writing to file a formal complaint against Charles Schwab Bank concerning the sudden and unjustified closure of my account. 

On XX/XX/2023, I received a letter from the aforementioned company stating that my account has been closed. The reason given was related to my credit score from XXXX, which they claimed as the basis for their decision. However, I find this explanation to be unsatisfactory and potentially discriminatory for the following reasons : 1. My XXXX score is close to XXXX, with no negative marks. This score is considered good and should not be a factor for closing an account without any other underlying issue. 

2. I did not give permission to Charles Schwab Bank to review my credit. This is a breach of my privacy, and I am unsure how they accessed this information without my consent. 

3. I was given no prior notice or reason to suspect that my account would be closed. This sudden action has caused significant inconvenience and disruption to my financial planning and transactions.

I believe that this action by Charles Schwab Bank is a discriminatory act against me. I have upheld my part of the agreement and maintained my account in good standing, and I see no justifiable reason for the closure of my account. 

I kindly request your assistance in investigating this matter. I would like to understand why Charles Schwab Bank accessed my credit information without my permission and why my account was closed without any valid reason or prior notice. Also have them a credit application which is turnt into a security that they make money off of so how does my credit have to do with anything I believe that the closure of my account is not only an unfair practice but also a violation of my rights as a consumer. I trust that you will take my complaint seriously and facilitate a fair resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
They advertise to help people with bad credit scores they will loan you money? I believe Inasked for {$500.00} and another time {$1000.00} and was denied because of my payment history had delinquency and late payments reported and the information came from XXXX however I was unlawfully denied an extension of my credit an was given the key facts and the key facts violated Title 15 law and regulations under Title 12 CFR and TILA and denied me my own credit is violation and that is discrimination and illegal to deny me credit especially after i gave them the the laws there to abide by and they ignored my claim or reconsideration and continue to refer to history of delinquency is the reason and so XXXX used my social security number as well many times with out my consent and that is a violation each time they used it and i was never formally sent a written notice or anything asking for permission to use my information and these violations have fines larger then what i asked to barrow?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF HAWAII CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX my brother passed away. I notified the the Bank of Hawaii on XX/XX/XXXX of his passing. on XX/XX/XXXX his XXXX went into his Personal Account and withdrew {$72000.00} out of his Personal account thru Online Banking and put it into there Joint account. On XX/XX/XXXX I notified the Bank Of Hawaii that my worst nightmare just occurred someone needed to call me. 
I explained to the Bank that she had no right to withdraw any moneys out of the account as she wasn't on the Signature Card or had XXXX XXXX XXXX  or was a XXXX of the Estate. I couldn't understand why they would allow this to occur. 
The Bank finally did a inquiry into where the money was withdraw from and show it to be from their Home in which she transferred the money for His Personal Account to their Joint Account and them onto her Personal Account. at that time the Bank asked me on XX/XX/XXXX to have a Affidavit for Collection of Personal Property of the Decedent signed and Notarized with i did the next morning and e-mailed them a copy of the Documents and also put the hard copy in the mail to them in which they received the hard copies XX/XX/XXXX. 
The Bank said the following Due to XXXX  presentment of an original and valid Affidavit for Collection of Personal Property of the Decedent, we have no further ability to deduct or retain funds. How can a Bank allow someone who has no rights, No Signature Card on File, Not the XXXX  of the Estate or the XXXX XXXX XXXX withdraw money out of the Person that Passed away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Genesis FS Card Services, Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  while I was locked up someone stole my wallet and used up all my credit cards. I have told the credit card companies as well as XXXX and they refuse to remove the negative reports in my account. This was fraudulent activity which I had no knowledge of until after I was released from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Credit Karma, LLC
State: CA
Product: Credit reporting 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 observed that CREDIT KARMA has unlawfully placed over forty inquiries on my XXXX consumer report without any certifications of permissible purpose on file with XXXX, as lawfully required. What profits are being generated by CREDIT KARMA resulting from placing these inquiries on my consumer report? Within 15 days of this request of information and complaint, Im requesting that CREDIT KARMAs proper representative answer and submit to me the following : Provide that CREDIT KARMA has lawfully certified the permissible purpose for each and every inquiry placed on my XXXX consumer report. Provide to me the amounts gained from all securities that CREDIT KARMA ( and any Person and company on the behalf of CREDIT KARMA ) has profited from the use of my social security number and or other nonpublic personal information by providing accounting history as required under GAAP per the XXXX. NOTE : I am not asking for login information and reports, start dates or any other information for an account with CREDIT KARMA but rather the ledger for the accounting for gains, transfers and any date ( s ) securities were formed using my name, social security number and all other information that is pertinent to my identifiers. I am requesting this information within 21 days of this notice. As well, I am requesting that CREDIT KARMA pay me for each violation for placing these excessive inquiries on my consumer report for the maximum amount per inquiry, which is XXXX XXXX dollars per violation.

Company response to consumer: Closed with explanation