BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Contacted Transworld systems prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank : USAA Federal Savings Bank, XXXX XXXX TX Summary : USAA is unreasonably keeping my check accounts " locked, '' and is being unresponsive to requests for an explanation of delay, or time to unlock accounts. 

XXXX. On XXXX and XXXX XX/XX/XXXX I reported possible fraud on XXXX of my XXXX check accounts. 

XXXX. I asked USAA if they could place a block on this single account to prevent unauthorized activity. 

XXXX. USAA " locked '' ALL my accounts on or about XXXX XXXX. This despite my needing a different account to transact normal banking. 

XXXX. On XXXX XXXX, all accounts are still locked, and USAA is being unresponsive to requests for assistance. I have no access to my funds, now in multiple accounts. 

XXXX. Attempts to call USAA have failed because I am told the wait time is several hours. On multiple occasions, calls were disconnected. Online chat is unavailable. 

XXXX. Having no access to my funds for this extended period is causing me hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Situation Outline : I n 2016  we had a water leak in our home that turned into flood. The water did significant damaged and was only noticed when mold started appearing on the ground floor.     No doubt you are aware of the mold problems California has, this was further complicated by of partners   XXXX   XXXX       We immediate moved to remediate the problem and engaged our insurance company to make a claim against our home owners policy.     The insurance company assessed the damage, we completed the remediation and repaired, and the insurance company paid the claim via cheque.     Unfortunately the insurance company insisted that the cheque for the claim be made payable to my partner and I, and our mortgage company.     We contacted the mortgage company explained what had happen, outline the insurance claim and explained we had a cheque in hand that they needed to endorse so we could cash the cheque and cover the cost of the repairs.     The mortgage company insisted that we endorse the cheque and mail to them for deposit. They provided a documented process that explained that they would help us managed the remediation and they would distribute the money via payments to any contractors that worked on our home.     We explain to the mortgage company that we had expedited the remediation and repairs and they were complete because : - Dangerous nature of the damage - Water and Mold - Expert advice from flood remediation experts that Time is of the essence to avoid further damage or complete destruction of the home - Potential increased cost due to further damage and detrition of the home - Need to make the home habitable to minimize alternative accommodation costs - Need to reduce any health risks my partner We have reported all of this to the mortgage company and started asking for a completion inspection as per their documented process they provided to us with.     We have received no communication or contact from the mortgage company or their agent to complete an inspection. We have written to them dozens of time to try and get them to engage.We are carrying a {$25000.00} balance on a credit card for the repairs and remediation that they have the insurance claim cheque to cover. The interest is over {$500.00} per month.     We desperately need help with these folks and the name of an attorney we can engage to recover our mounting costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Paypal Holdings, 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:
My account was frozen on XXXX XXXX. 
I was told that I need to submit my Photo ID and bank statement, in which I submitted. A few days later I received an email stating my account was frozen and I couldnt transfer my funds. 
My complaint is why ask for my personal information and then allow my account to still be frozen. 
I just want to transfer my funds to my account and then they can close or freeze the account. 
Now Im worried my information might get stolen and become a victim of identity theft because I my information wasnt used to unfreeze my account but to permanently freeze my money. 
I still have almost {$600.00} in my account that I desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are 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 I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.

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 2020-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
USAA Ms XXXX WILL NOT CEASE AND DESIST DEFAMATION. see attatched proof the XXXX XXXX {$120.00} XX/XX/XXXX IS SEPARATE FROM {$470.00} XXXX XXXX credited XX/XX/XXXX. Leaving bal {$470.00} LOOK AT STATEMENT AND STOP TELLING THIS LIE OVER AND OVER AND OVER.see NO USAA CREDITS All credits are from merchants. There are NO USAA credits at beginning of investigation as USAA claims TO REVERSE THEM XX/XX/XXXX XXXX see see Fraud Letter XX/XX/XXXX. It says temp credits WERE MADE PERMANET Looking at XXXX XXXX statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/XXXX EXPLAINING WHY A CREDIT REVERSAL XXXX XXXX {$120.00} stateing the credits deposited at beginning investigation have been reversed. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/XXXX a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO REVERSE. More PROOF XXXX XXXX WAS NOT REPORTED FRAUD XX/XX/XXXX. see attatched XX/XX/XXXX ADJUSTMENT PURCHASE TEMP CREDIT TO START A FRAUD INVESTIGATION Kindly note THERE ARE NO BEGINNING FRAUD INVESTIGATIONS XX/XX/XXXX. USAA MS XXXX CEASE WITH THIS LIE AND admit credits were not applied properly. There are NO USAA CREDITS BEGINNING INVESTIGATION XX/XX/XXXX but THERE ARE BEGINNING INVESTIGATION CREDITS {$120.00} XX/XX/XXXX WHEN YOU REVERSED CREDIT NOT GIVEN. STOP WITH DEFAMATION I HAVE TRUTH PROOF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: DISCOVER BANK
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 have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

Discover BankXXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS
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  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   .  On   XX/XX/XXXX  b ecause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX I have n ot had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull o n  XX/XX/XXXX  and in  XX/XX/XXXX  wer e both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XX/XX/XXXX . T here was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be re moved  My my cre dit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on   XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again o n  XX/XX/XXXX .  Both without authorization or consent.      3. Prestige Financial Se rvices  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted o n  XX/XX/XXXX  Without authorization or consent.       5.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted o n  XX/XX/XXXX . Both without authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
15 U.S.C 1681 Section 602 A. State 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-12-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX I received a text regarding fraud on my Chase Bank account. I did not authorize it & received a message stating my account was restricted and a call would be granted. Received a call from XXXX & it was a guy stated he worked for chase fraud dept and asked all the verifying information. He stated that some one was trying to wire {$8000.00} to them in XXXX & I confirm it was not be. He then stated that someone attempted a XXXX transaction & asked me to open that part of my account & told me that I need to send {$500.00} to chase bank with a code in the memo. I said no I can't & he stated you will get the money back & that it will just cancel out. After I felt it was odd I hung up & {$500.00} was missing. At XXXX I called the chase fraud line on the back of my card verifying that this information was true or not & they said no that never happened & looked into my account & said person also had a {$250.00} weekly withdraw to their account named " chase bank '' I did not know what this withdraw either & found out when the fraud line told me. She deactivated my account & we changed all the security things & sent me to claims. I filled a claim that day & received a letter on XX/XX/XXXX at XXXX that they would not grant me the money back because it shows I sent the money when I did not & the person who acted like Chase. I never authorized anything on my account. This person called acting like chase did all the verification that Chase does. When I called to fight the claim they told me that they can't because everything shows that it was my account that was logged in and I tried to tell them everything that happened. They said Chase would never call, they only email or text. I have been with Chase for 10 years & never knew that. I have received calls before from them. So now I lost {$500.00} to a scammer because he played all his cards right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After I graduated from pharmacy school in XXXX, I found a company to consolidate my student loans XXXX XXXX XXXX with the credit cards I had to use to pay for school. XXXX was bought out by Wells Fargo XXXX approximately XXXX ), and my variable interest rate went from XXXX to 8 % ( with XXXX XXXX, and steadily climbed until it locked at 18.5 % XXXX Wells Fargo XXXX. It stayed at that rate for over 2 years until I found a company XXXX XXXX XXXX XXXX ) who took over my loan XXXX in XXXX ), and provided me with a variable interest rate of 4.5 %. My complaint is that when I called Wells Fargo asking about the rate lock, I was dismissed. Basically, I was told that variable rates rise and fall, and that because it was a privatized I was pretty much stuck with it and them. I did not appreciate the attitude nor the lack of options at the time.

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 2023-12-29
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I've already contacted the dealership and bank months back of the return of the vehicle to XXXX XXXX. It has been returned. Bank said they will have it repo. I vulonarly surrendered it. They accepted it and said it would be auctioned off. I told them I don't have a job to support the monthly payment so I surrender the vehicle already.

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 2023-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX  stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. 

Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? 

After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. 

They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? 

Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. 

The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : Wells Fargo XXXX WELLS FARGO BANK, 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 2023-11-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

( 2 inquiries ) XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, 2023

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