BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus are reporting erroneous information on my credit file

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 2016-08-13
Company: Manhattan Beach Venture, LLC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a text from a colleague at work from facebook link about student loan forgiveness. I told her that it is a hoax. She stated it is legitimate. It says that Obama to forgive {$7.00} XXXX dollars of Student Loan debt. The number is XXXX. I called it the first time and a voice message said to call back, lines were busy. I called back and spoke with a XXXX XXXX at the Student Loan Relief Dept. Her number is XXXX. I gave her my personal information, address, phone number, ss #. XXXX stated that if I qualify my federal loans could be reduced. She asked where I worked, my income. She also asked if I had any children. I told her that I did not. She also asked if I help any of my family members. I said yes, when I have money. I will try and help out. I still told her that this sounds too good to be true. This is not legitimate. She said that they work with the Department of Education. I said how is that possible. This is not accurate. She proceeded to inform me that I qualify for the forgiveness loan and that my monthly payment would reduce to {$20.00} per month for 20 years and the balance would be forgiven. She also proceeded to say that there is a fee to be paid of {$1300.00} and in some cases the fee is {$1900.00}. XXXX had put me on hold for several minutes. I had a bad feeling. She returned stating that she need to get some water. I listened. Then she asked me that I would have to pay the fees. I continued on and he requested my bank card. I provided her the number and something felt not right. I searched this third party company. It is Manhattan Beach Venture , LLC in XXXX, California. There were horrible reviews about what they really do. They take advantage of people. I opened my account to see a {$.00} withdrawal from my bank account after she said that my first payment will start at the end of XXXX, 2016. I called my bank from my home phone while she was on my cell phone. I told the representative what was going on, I immediately asked her to cancel my bank card. She did and noted my account. I have a new card now. But XXXX still has my information. I also called the FBI and reported it. They took my information and provided me with the FTC 's number. That is why I want this to be investigated. I told XXXX that my social security number has been exposed after I signed these documents. Her reply states that it is only exposed on my document which did not make sense because she already had my social security number. She continued to say that she has helped alot of students with huge loans. She stated that if I did not believe her that I can contact her boss. His name is XXXX. His number is XXXX. I did not call the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Lakeview Loan Servicing is again incorrectly inflating the amount of property taxes we owe. On XX/XX/XXXX I contacted XXXX and spoke with a woman named XXXX who asserted that they had received an official notice from XXXX XXXX stating that the amount of property taxes for XXXX was going to be due in the amount of {$4400.00}. However, I spoke with the XXXX XXXX tax office on XX/XX/XXXX and was informed that those notices have not even been generated yet and likely will not be until mid XXXX. I also checked the XXXX XXXX tax website and entered my parcel number to confirm this. This information has not been released yet but the amount due should not be far off from what was paid last year, which was a little over {$2500.00}. This means that XXXX is inflating my tax bill by over 56 % and as a result, they have increased my mortgage payment by over {$220.00}. What they are doing is 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 explanation
Consumer complaint received 2023-10-12
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX an unauthorized amount of {$45.00} was sent to a recipient not known. A refund to the recipient was requested immediately when I noticed the amount in my account. I reached out to Cash App to resolve this issue the business claimed I had authorized the transaction, and nothing could be done, that I should reach out to the recipient. I explained it was a fraudulent account for Cash App to investigate the user, how was I supposed to reach out to a recipient I do not know. Cash App support team did not assist with the issue and allows fraud/theft to happen in their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/ XXXX XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date XX/XX/20XXXX XXXX  XXXX Inquiry date XX/XX/202XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX  Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Professional Debt Mediation, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and XXXX credit agengies but it has came back as verified on XXXX and XXXX but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from XXXX years ago with recent activity. as of XXXX XXXX XXXX  and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. <P/>And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. <P/>And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. <P/>Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. <P/>Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. <P/>How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. <P/>Please shut down this piece of XXXX bank. And keep this complaint on their public profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
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 just login to my XXXX XXXXXXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX- collection {$1900.00} Chase call me and said I have an bal of XXXX XXXX call me said I have a XXXX XXXX call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my XXXX XXXX XXXX XXXX business call me saying a XXXX check was deposited and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 a counterfeit check of {$490.00} was cashed and that money was removed from my account. I noticed it on XX/XX/XXXX and called and filed a dispute. They offered no credits or solutions for that amount money from a check that doesnt even look real. Due to the almost {$500.00} coming out of my account, i was charged XXXX overdrafts of {$35.00} on XX/XX/2017. At this time i have not received credit for my overdrafts ( XX/XX/2017 ). From XX/XX/XXXX to XX/XX/XXXX, i called in many times. The reason for my repeated phone calls is that nobody could tell me how soon i would get a resolution. At one point an associate told me that because this is covered by Reg E they dont have a timeframe that they need to resolve this issue ( really? ). I finally told them that i want to file a complaint which only made the situation worst. I was transferred to a very nice associate who was supposed to be able to handle these escalated calls. Unfortunately, she couldnt handle a counterfeit check claim circumstance so she conferenced called me into that area. I was on the phone waiting for at least a half hour before i hung up. She called me back to ask if i hung up and wanted to know if i wanted to start at the beginning of the line again waiting for that other department. i asked her to wait on hold for that department and call me back - she couldnt do that. i asked her to have someone from that department call me back - she couldnt do that either. it seems this person who was supposed to be able to handle escalations couldnt do anything. I finally got my credit for the check on XX/XX/XXXX ( still no credit for overdraft fees ) I realized today i needed to write a check - which i rarely do. i went into the branch and they wanted to charge me {$3.00} for counterchecks. i didnt want to pay that and the associate couldnt waive it so i asked to speak to a manager. i spoke to a very nice man in the wells fargo branch in XXXX delaware who told me that it wasnt stores fault what the back office did and they couldnt waive the {$3.00} ( what? ). I told him that i dont care who im talking to and that its wells fargo 's issue. he finally waived the fee and he submitted a complaint for me but the whole mentality of " not my fault '' was crazy to me. Im not sure what i want out of this except for the fact that in total i have spent about 10 hours on this issue. i still havent received my credit for overdrafts.

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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.

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 2023-11-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible enhanced recovery company Account # XXXX amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attached more details of my complaint. However, just to clarify, this complaint is about both Transunion and XXXX XXXX XXXX. I am disputing both the account on my report and the bankruptcy statement on my report. However, my main concern for my complaint today, is removing the bankruptcy statement. I have already requested proof of contract bearing my signature from XXXX XXXX three times, and Transunion, I am waiting on a response, from my last letter sent.

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 2022-12-27
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I've been disputing my transaction since the end of XXXX and I've been denied with no reason of my disputes being denied they just sent me something saying my dispute has been closed like XXXX the XXXX and I've been fighting the end of XXXX. And this is my unemployment banking with US Bank ReliaCard. I noticed some unusual transactions that was made on my account with {$1000.00} withdrawal with XXXX XXXX  transfer and and all kinds of other XXXX transfers along with a cell phone payment and a XXXX XXXX XXXX XXXX they did refund back the money from XXXX  transfers and the cell phone in XXXXXXXX XXXX  but the cash withdrawals that were taken out of my account was not refunded and you can see how it is it's {$1000.00} {$100.00XXXX XXXX XXXX XXXX. They refund my XXXX  but not the cash withdrawals and it just looks so suspicious like you could see it it's all together so I canceled my card ordered a new one and the card that I was waiting on was stolen out of my mail and they were able to take out two XXXX cash withdrawals and a XXXX $ XXXX. And they did a few online XXXX XXXX  transfers as well. I wrote letters on my behalf, I made a police report, I disputed them on time I even sent in bank statements from my XXXX account that I never even made any of those transactions everything that they had taken out of my account there's a XXXX charge with it. And since my account shows that I didn't make any of those transactions on my XXXX  account. I didn't think they would have a problem refunding my money back to me.

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 2018-11-02
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Asked via phone calls and email correspondence, to have payment dates moved around, also expressed that payments for the next few weeks would come out on later days due to my current finances. 

The customer service rep XXXX XXXX, has been calling harrassed me, and threatened to send my car in to collections for being as little as a day behind. I requested several times to have someone else take care of my accounts, but she still harasses me. 

I called the number she specified for me to call, and someone else took care of my payment, and she refunded it, because she said she was the only one who could authorize payments on my account. She then threatened to send my account to collections. I assume they must make some kind commission of off payments, so she hounds me to secure her commission. 

I didnt have any problems with my account until she interjected herself. She disables my online account so I cant make payments. And refunded my money, because it takes 7 days to hit my account and now they are going to apply late fees, and report me negatively and reduce my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Bread Financial Holdings, Inc.
State: TX
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:
ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief