BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion, XXXX, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
how are you reporting XXXX collections for the same account when i have XXXX? 
see attached.

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 2023-02-10
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to code 15 USC 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX Southwest Credit Systems on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I contacted my bank to dispute fraudulent ATM withdrawals as soon as I soon as I received info from my employer I had been paid to a card I didnt have on file.It went to my old address. When they got on the phone I asked can you please block my card. As I was on the phone with them my account was being drained. They claimed to lock my card as I was on the phone and it still got drained for {$900.00}. I relocated to XXXX in XX/XX/2023. I explained to the bank I did not receive nor set up the card. The transactions were On XX/XX/2023 amount {$300.00} XX/XX/2023 amount {$300.00} XX/XX/2023 {$300.00} And on XX/XX/2023 {$300.00}. On XX/XX/2023 I called the bank and they told me they closed account and that they were not going to give my money back. They should have pulled videos or something more.

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 2022-03-10
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
from XX/XX/XXXX to XX/XX/XXXX, I i paid the mortgage company a extra {$50.00} to {$75.00} a month thru the whole 12 months into my escrow account, and then paid a additional {$300.00} in XXXX of XXXX into my escrow account, I did this just in case my property taxes were to rise unexpectedly. When my property taxes came due, the check I got from the bank was roughly {$250.00} short of what the tax bill was, I called the bank and asked them why they did not release all of the money in my escrow account, and they said that was all the money I had in my escrow account. I know I have roughly about a {$1000.00} in overages in my escrow account, I called the bank, the lady i talked to did confirm i had a overage in my escrow account in the amount of {$1000.00} and would have the accounting department issue a check for me in that amount. 3 weeks later, i recieved a check in the mail from us bank in the amount of {$340.00}. This amount is signifigantly smaller than what they had told me was in my account. i also was checking out the balance of my escrow account throught the year, and thought it was strange that after the end of XXXX, my escrow account was not growing, even tho i was still adding money to my escrow account. I called us bank and they said, oh yes, it is still growing, even though the statement did not reflect otherwise. i called us bank and asked them why the did not release the rest of the money, and they said that was all the overage they had. Every time i called them, it was a different story. 
All i want is just what is owed to me, nothing more.

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 2023-02-10
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was charged off however when I tried to make payments online I also get a notification stated that the website is either down or under going maintenance. I have had to fly back into the XXXX XXXX to make a payment directly. 

I never gave vystar written consent to furnish anything to my credit report. Please remove the charge and allow me a few day to make my payment in full.

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 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capitol One Credit Card continues to mail pre-approved credit card applications to my daughter at an apartment address I left in XX/XX/2019. 

My daughter never lived at that address. 

Yet they continue to send her pre-approved credit card applications. As many transients as there are at apartment complexes, I can only imagine it's only a matter of time before someone takes advantage of an opportunity to abuse her credit. 

We have submitted change of address with USPS.

We are on the national no marketing list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: BSI Financial Holdings, Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Several weeks ago I sent an email to BSI Financial Services to using their contact web page : XXXX XXXX XXXX, to have my mailing address updated since my mortgage was kind in full. It appears that although the request was received, my account was not updated and their mail is still going through my old address. I no longer live there. Now I am trying to figure out where my escrow check was mailed to and or if it has been mailed. No one can give me a stasis update and apparently BSI is too cheap to give the escrow department phone line so there is no one to speak to. I want me escrow check mailed ASAP and to the CORRECT ADDRESS. 

There is record of them receiving my change of address request no no action was taken. When asked for ticket number to record my phone call none could be provided because there are no reference number. I ask multiple people for ticket numbers or reference numbers and none were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Was usbank personal checking and credit card customer since XXXX Opened business checking account with usbank XX/XX/XXXX Deposited a check XX/XX/XXXX then found out XX/XX/XXXX account got closed Called mobile department then transfered to business department then asked to come branch then asked me to call fruad department then asked me to come branch Branch manager confirmed my business account got closed by fruad department said would received a call from fruad department and rereinstate my account csince my check got no problem at all Received account clousure letter and never received a call from fruad department since that

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 2022-11-04
Company: CITIBANK, N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2022 around midday. I initiated a XXXX wire from my personal checking account to my settlement company for the closing on my house. 

On XX/XX/2022 in the evening around XXXX XXXX  XXXX  I notice a temp hold on the wire so I call and ask what is going. They tell me the fraud department needs to talk to me to do verification. They dont open until the XXXX XXXX  the next day On XX/XX/2022 at XXXX XXXX  I initiate a chat online with citi XXXX well as calling them. On the chat I am told the wire is processing and should be complete within the 24 hours. 
On the call I am told the wire is still pending by a department that does not take calls and they can not give me any more information. 

I call again immediately after just to spin the roulette wheel of people and the same information is given. Basically they have no information. Money is in a XXXX hold and just wait for the bank to call. This doesn't help me for a closing in XXXX hours. 

This is not normal behavior for any banking transaction I have ever made.

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Did an home improvement loan thru Well Fargo with a no interest for 18 month. Since that time i became unemployed and disabled.I ask for an extension with no reply. Then at the end of 18 months i was hit with a XXXX interest charge on the full amount of the loan and not the balance. So instead of a {$2000.00} balance I was hit with XXXX balance. Now they are informing me since the loan was not paid in full this became their policy. Thru researching I found this is a common tactic of Well Fargo. 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 2023-05-21
Company: LEXISNEXIS
State: OK
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:
I filed this complaint ID XXXX with the cfpb and named XXXXt and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX  saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I asked manager if I could get a copy of my receipts for the payments I have made on my debt and he was very rude and told me they dont give receipts and kept cutting me off while I was talking, he is very unprofessional, he talks to people any kind of way and this same company has provided my friend with receipts for her payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had an account with XXXX furniture TD bank for roughly 5 years. In that time Ive paid off and paid down purchases consistently. Last month, there was a discrepancy for XXXX payment. For some reason the regular payment took longer than normal to go through and ultimately did not. Since Id switched personal banks I looked into it and got payment resubmitted the next day. I also called XXXX to explain what happened. I was told Id be charged a {$25.00} fee which given my stellar history would be waved. I was not told my credit limit would be lowered by {$4000.00} to the amount I owed. I was also charged over {$100.00} of additional fees which took my over that limit. Again, no warning. I did receive a letter from the company saying please be advised if XXXX consecutive payments are returned, your account may be subject to charge-off. Thats it. I learned from the Fair Credit act If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

What happened to me is a violation. I need XXXX  and TD bank to be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.

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 2023-08-28
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX ( or XXXX ) I purchased a Vanilla Gift Card with {$250.00} on it for my daughters XXXX. I made the purchase at XXXX or maybe XXXX. 
On XXXX my daughters opened the card to see that there were NO card numbers on it, so it can not be used. I see the first XXXX digits and nothing else. I have the card with me and the outer sleeve it came in. I do not have the receipt but might be able to get it via my credit card company not sure. 
I tried called Vanilla GIft Cards .. no one answers my phone calls. I have been trying for several weeks now. 
PLEASE HELP. 

I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BCI FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied online for a money market account at XXXX XXXXXXXX XXXX XXXX XXXX City National Bank of Florida. They replied, " We regret to inform you that we can not approve your new account application. '' When I asked why, they said, " We are unable to provide additional information. '' Without knowing the reason why I was denied, I have no way to tell if it's because of some error on a credit report that I can get corrected, or due to discrimination of some kind. Their refusal to say why my application was denied seems in violation of financial disclosure laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My concern is that Resurgent Capital Services/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , continue to make claims of me owing a debt to them. I know for certain that I have not engaged in any business with either of these companies, however, they remain consistent that an alleged debt is owed to them. When I requested VALIDATION of the alleged debt ; that they expect payment for, Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX falsely generated forms to VERIFY their claims to an alleged debt. That was not the request. The other problem extending from their fraudulent activities is the fact of them reporting to the credit reporting agencies such as XXXX, XXXX, and XXXX. I have also observed this information on XXXX. Resurgent Capital Services/ XXXX XXXX XXXX , has no legal rights to operate in the manner that they have against me any more than XXXX XXXX XXXX XXXX XXXX This continues after being instructed to cease and desist their actions/activities. 

It would be easier for Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to produce any existing contracts had between them and myself that binds me to an alleged debt in efforts to establish and solidify their grounds to collect anything from me. STATEMENTS ARE NOT CONTRACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I cashed a check for a friend and I sent them the money after the checked cashed. Now the check was bounced and is void. My debit account and saving account are both negative. My account will close XX/XX/XXXX and not sure what to do

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 2023-05-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PennyMac engaged in antitrust behavior and refused to provide me an official loan estimate unless I provided them one that I received from a competitor. When I did, they still did not provide me one in the legal format, which may have been to hide fees, even though their email motto is " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' When the rep did not provide an official loan estimate, I complained to the CEO. The rep immediately responded to me and stated " Pricing went up today. I am unable to get the quote from yesterday without their official loan estimate from XXXX XXXX. Yes you got the CEO get the middle management involved and that does not help with pricing or getting a loan estimate faster. '' He once again reiterated his anti-trust behavior in requesting competitor rates before providing me one and retaliated against me complaining to his CEO by noting that he is increasing prices and taking longer to provide this data. Most recently, he has also asked for more financial documents. I can not trust this representative with my financial data and he is a danger to all clients and to the financial industry with this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a Victim of Identity Theft. I did Not give any Consent to anyone to open any Accounts

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