BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : CHILD SPRT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Name is XXXX XXXX, XXXX of XXXX XXXX who passed away. ( My Father ) The property in reference here is XXXX XXXX XXXX in XXXX XXXX, CA. My Father had this on a reverse mortgage but the home was also under water. Our agent XXXX XXXX XXXX XXXX ) XXXX with XXXX XXXX XXXX fought for over a year to negotiate with Wells Fargo Reverse mortgage to approve the short sale. Did is also a probate sale in which the court is really pushing us to close. We got approval on XXXX XXXX 2015 with a deadline to close by XXXX XXXX 2015. Everything was going well until XXXX of the buyers got ill and ended up XXXX. During this period there was nothing we could do, nor his lender. He was XXXX and i do n't possibly know a way we can make hime sign, or summit documents in that condition. This is clearly something that was out of our hands. We reach out to Wells Fargo to explain to them the situation and they refuse to work with us. The processor clearly told us that if we do not close by XXXX XXXX. The deal will be drop and property will face foreclosure. They said their hands were tied and nothing they could do because this was a HUD guideline not theirs. How is this possible? we work so hard to finally get this deal here and how is it that we could not get 3-4 extra days to close when the buyers was submitted to the hospital. How is it that there is no exception for something like this? This was out of our hands and by anyway not a delay to close the file, it was an emergency the buyer went through. We are very upset because the files was drop and they are making us re-sudmit everything again so they can now approve us for the short sale. The whole experience with Wells Fargo was a nightmare, from them losing documents, to changing terms last minute, to approving XXXX thing and then changing it. How are they still able to operate. This is so unfair, we are only trying to make this right and it feels like they do n't care and all they want is to insure we lose. The buyer is out of the hospital and is devoted that the house he was only 3 days away from having has now been taken away over some policy that makes no sense. No supervisor, no manager could help. They all said there was nothing they can do. We want this deal close and we want to make sure they comply with that. As consumers i feel we are taken advantage. How is it that they benefit from turning down this deal from closing due to a 3 day delay?? would n't it make more sense for them to get pay and get this over with it?? 

I really hope you can help, my family is devastated by this. We can get over how they can just screw like this. We fought so hard to make this happen and now they just cancel the file over something we had no control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother who passed away in XX/XX/2022 had a checking account and an IRA with Regions bank in Alabama. I was named on both accounts as well. I first contacted the XXXX branch in XX/XX/2022 about closing the accounts and forwarding the proceeds to me. As of this writing I am still trying to collect approximately {$500.00} which they are holding in the checking account. The bank has sent cashiers checks without signature and has twice required that I forward notarized requests and copies of my mother 's death certificate. Each amount of money I have collected has required a great deal of follow up on my part. The current amount in the checking account is a distribution from the IRA that was done in error due to Regions delays. They have stopped responding entirely to requests for collection of this amount. At this point I have to think Regions is being deliberately obstructionist so they can hold on to funds as long as possible.

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 2022-11-21
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did business with XXXX at our estate in XXXX, VA. We sold the home and XXXX sent a {$150.00} bill to collections for an unreturned receiver on the satellite they placed onto our 35 foot tall roof with a steep pitch. We told XXXX that versus myself-a XXXX veteran to climb onto the roof to get it after they installed it originally, I would pay the {$150.00}. Without notifying me of the bill, XXXX sent it to this bill to McCarthy, Burgess, & Wolff. I have called 6 times to McCarthy Burgess and Wolff to pay this bill but they do not accept XXXX XXXX and when I try to pay using my XXXX, my bank tags it as fraud. The continue to hang-up on me when trying to pay as well. I have no collections on my credit reports, always pay my bills in advance, and have no idea how it's legal for XXXX to send this to collections without telling me first. Assistance would be greatly appreciated. Thanks so much!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
a bank called XXXX began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I'm asking Chime to provide the documents used to open the account using my name without my authorization and my knowledge. The documents I'm asking for is ID, proof of address, phone number, email, tax report, etc. 

Also, as per statement provide by Chime, the address used is an address that I lived there until early XX/XX/XXXX. Note that the account was open on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
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:
In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXXXX. Account name : XXXX XXXX ( Experian ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : XXXX XXXX. 

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 an 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 2023-11-23
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2022-11-12
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company refuses to provide a refund of the overpayment in the amount of {$290.00} made when the account was paid off on XX/XX/2022. We have called the company multiple times to follow up on the status of the refund and each time they tell us " the check was mailed on XX/XX/2022. '' At no point has the check been received. The last three times we have contacted the company we have requested and been assured that a new check would be mailed to us ; however, this is yet to happen despite their multiple reassurances. For three months now, the company refuses to provide a refund for the overpayment of a paid-off loan.

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 2022-11-12
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Halstead Financial Services XXXX ( XXXX ) XXXX XXXX, Ohio keep calling me regarding trying to collect something. Have no idea who they are. I do not owe anyone anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 at around XXXXXXXX XXXX I deposited cash into a stand alone Bank of America ATM on XXXX XXXX at the corner of XXXX and XXXX XXXX. I deposited {$2100.00} in {$100.00} bills. The machine took the cash. I was adding more funds and it locked up. The machine didnt credit my account and it gave me a receipt telling me to call the claims number. I have filed a claim with the bank and have been checking to see how it is being handled. I have been getting the run around and just told they are investigating. They say they understand and they are sorry but I live paycheck to paycheck. My company doesnt have direct deposit and we receive a paper check every week. I always deposit funds after I cash my paper check from the bank its written on. I feel I need to reach out and file this claim for assistance. I would greatly appreciate any help I could get. Ive made several attempts to escalate the issue with the bank to no avail. Please help me and my family. We greatly depend on these funds to pay our bills.

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 2023-07-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The end XX/XX/2022 I took line credit on my home XXXXXXXX XXXX  sent the payoff to comenity wayfair {$4800.00} we got the address from them to send and got payoff off my stmnt off line. Then received call the end XXXX said they didn't get it.the bank asked for overnight address they gave a lock box address they tried saying didn't get but bank verified was cashed by comenity bank. Have sent several disputes and so did the bank showing they cashed it and even filed with the XXXX of Ohio and they keep saying go to the bank that cashed it. They cashed it I sent proof and so has XXXX XXXX. They have damaged my credit and added fees to the account I need someone to make them fix this and hold them accountable I have my wife handling this as I work as a construction XXXX during the day. Her name is XXXX XXXX I put her email and phone number above. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had a collections on my credit report for years from XXXX XXXX XXXX for {$150.00} Ive never owed the amount, Ive disputed with TransUnion multiple times, reached out to XXXX services dozens of times. Ive shown proof from original creditor which was XXXXXXXX XXXX XXXXXXXX that I do not owe {$150.00}. This nightmare continues and has adversely affected my credit score. I received email from XXXX services on XXXX XXXX after another dispute that the company can find no record of said amount being owed and that XXXX services requested TransUnion to remove said amount from my report. To this date TransUnion still has not removed the collections account. I contacted TransUnion again on XX/XX/2022 and explained the problem and I got another XXXX employee who told me I needed to file another dispute. I told her Ive already filed multiple disputes.The incompetence of TransUnion is appalling and the fact that they are a credit monitoring company is frightening. I have no doubt millions of people have incorrect information on their credit report because of this company.

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 2023-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I had noticed a addition to my credit report indicating that I had a new account with a personal loan in the amount of {$240.00}. I have never made such a account. I contact the company to ascertain how this account came into existence. 
I was told that it was me yet it was not. After several emails back-and-forth and a phone call I am left with the response being that the account was done by me. I disputed the account with Equifax and the dispute came back, not in my favor. Then the XXXX XXXX  responds back in an email saying that I need to have this report that XXXX writing to send them so they can look into it. Again I opened up no such account or borrowed any money from this company the question is who did what account did this money go to because it was not mine. Anyone does their homework like I shouldve any XXXX search of this company will show you nothing but bad review and warnings they are a scam. 

Attached youll find the convo thread with their support as well as a copy of the promissory note I allegedly signed. I did not. But the name on the promissory note is a date. And the beginning date is my name. There is no signature on the note. And its worded awfully. This isnt even a legal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: The CMI Group, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To whom it may concernMy name is XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX has been my permanent address since XXXX. During the time between XXXX and today I have never lived anywhere else except for two years XXXX military XXXX, XXXX. I left XXXX, XXXX in XXXX. 
The purpose of this communication is to contest this a delinquent/collection account, negative credit report, and the {$620.00} that Credit Management LP/ XXXX alleges that I owe to XXXX XXXX. For the records, I have not received at my address any bills or statements from XXXX or Credit Management LP. I found this info via Credit Report Monitoring. Currently I do not have a XXXX or XXXX account or any XXXX services in my home. I visited the local XXXX office in XXXX, XXXX to ensure that they had not inadvertently bill me. They had no record of me owing XXXX in XXXX. I believe this is a case of mistaken identity. 
This is the second time that XXXX has billed me and collection agencies have placed negative information on my credit report. I unsuccessful contested the previous billing. Having no recourse, I paid the {$310.00} that XXXX alleged that owed. The alleged bill was from an old address in XXXX, XXXX where I lived in XXXX. Once again, I have never lived in XXXX since XXXX. XXXX did not exit in XXXX. 
I spoke with a person from Credit Management LP regarding the delinquent account. I explained the situation. She asked me for my SSAN. I gave it to her, she said that the billing had a different SSAN and was probably a case of mistaken identity. She asked me to send proof of my SSAN and my address for XXXX. I am doing so.. 
The local XXXX office suggested I file a Police report and send it to XXXX. The police report # is XXXX, filed with the XXXX, XXXX Police Department. I am requesting XXXX remove me from the XXXX, XXXX address so this mistake does n't happen again. 
Finally, I have no problem meeting my financial obligations and paying my bills. If I fact owe XXXX money I will pay upon receiving a statement that proves that I owe them. However, I do n't intend to continually pay accounts that I did not create. 
I can be reached by email : XXXXXXXXXXXX or phone : XXXX XXXX if more information is required. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was three different XXXX XXXX out of my savings account by XXXX  from a person by the name of XXXX XXXX ID ( XXXX ) Wells Fargo denied my claim knowing it was fraudulent my name is XXXX XXXX. 

Wells Fargo Svg XXXX XX/XX/2022 : Payment Amount : {$3100.00} XX/XX/XXXX  : Payment Amount : {$1900.00} XX/XX/XXXX  : Payment Amount : {$2100.00} Filed a dispute and it was denied after that I did not get a reason why I provided all necessary information two weeks after the denial THEY CLOSED MY 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 explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to remove statements, fraud alerts and extended fraud alerts from all three of my credit bureaus and have been unsuccessful can you please get all of these removed

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