BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Early Warning Services, LLC
State: TX
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:
On XX/XX/XXXX I filed a compliant for Early Warning Services for reporting information without my written permission and that I wanted to appeal what XXXX  XXXX XXXX had placed an reported on my Early Warning Consumer report stating That my account was closed do to " suspected fraud '' which has put my life and quality of life under complete distress, because I can not open any bank accounts because of this I have also previously filed a compliant with XXXX  XXXX XXXX asking them to validate this accusation of " suspected fraud '', and their response was that I did not follow the " overdraft policy '' Which during the time I was getting a direct deposit bi weekly of {$2500.00}, on a Monday of a week I was getting a direct deposit I paid a bill which overdraft my account of about XXXX which that Friday they took along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected Fraud. How is it Fraud to use Overdraft protection that I signed up for and was paying for. 

I have never been accused of anything like this with any other banking institutions, and I explained all of this to Early Warning Services, The first Early Warning Agent I spoke with after I filed the compliant on XX/XX/XXXX stated that I had 5 accounts with XXXX  XXXX XXXX, thinking someone was using my information I filed an FTC report and sent it to them so they blocked the information but after speaking with a different Early Warning agent, they stated that I did'nt have 5 accounts open, but 5 disputes. I was beyond livid with this miscommunication because I never stated the account wasn't mines I just wanted to dispute the validity of the information and challenge there reporting for not having my written permission to report anything on their consumer reporting site. The information remains holding me back from opening any accounts, I am weary of having to go through all of this when i know and XXXX  XXXX XXXX knows I did not commit fraud on my account someone needs to hold them responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA 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 2023-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXX, Mi XXXX XXXX tolling XXXX XXXX, XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI 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 2023-07-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 inructions 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 2023-09-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I am from the XXXX working as a XXXX XXXX  and provide help to my clients located in the XXXX. I use Paypal to get payment from them, in exchange to the work I did, I use Paypal for nearly 10 years, without any issues.

But then, just this week, I got an email from Paypal, saying my account has been limited. I am not sure why so I asked. However, I was not given a specific reason nor a valid one. I seek justice because first : I still have funds in my PayPal account which I can not withdraw. Second, the invoices I sent to my clients last week is still pending and Paypal is making a follow up with them, when they know for a fact that they are holding my funds. 

I am asking for your help. I just need my account reinstated, I just need it to be able to use it as a payment platform for my clients. 

Any help is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was out of work due to XXXX and incurred late payments XXXX XXXX XXXX. I started back working and brought my account current in XXXX of XXXX and have not had any late payments since. I contacted Capital One on XX/XX/XXXX via email requesting a review of my account and to see if the lates could be removed since were due to my loss of employment because of XXXX. My request was denied even though they were added due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had violated my rights. 

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.

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 2020-02-12
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
On or around XXXX a purchase of 4 money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got 4 new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact 1-800 number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the 1800 number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland credit management ( XXXXXXXX XXXX  ) began collecting a credit debt by calling numerous times, sending process servers, and mailing demand letters. I contacted XXXX XXXX XXXX  and the case was dismissed on XX/XX/2020. However, they've continued sending letters, and have refused to remove the debt from my credit bureau when their lawyers did not show to court. This company has overstated and inflated this debt to ravage my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX Experian XXXX XXXX I have contacted the credit bureaus several times to make them aware that the XXXX late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.

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 2022-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased my family home where I was born and raised in XXXX. In XXXX I was divorced and the home was solely mine through the divorce as a single mother. My mortgage was with XXXX XXXX. I filed a quit claim deed removing my ex husband and attempted to refinance to remove him from the mortgage. While refinancing Select Portfolio Servicing ( SPS XXXX ) bought my mortgage. They advised me they were not a bank but only a servicing company and I could not refinance through them. In the meantime I lost my job and they offered me a mortgage forbearance during XXXX. Not only did I lose my job but my daughter was schooled from home like most kids during that time and all my bills went up including electric, internet, food, etc. I was then advised after several months of missing payments that they forbearance was not possible because at one point in time we completed a modification through XXXX XXXX and there is now a balloon payment on the back of my mortgage. Because of that they could not put my missed payments on the back of my mortgage which meant I was misinformed by SPS in the beginning. They are now attempting to foreclose on my property because I am in default of my mortgage. I have contacted them several times for a resolution to this matter only to be told the only resolution was to pay more than double mortgage payments from {$1100.00} a month to {$2300.00} per month for one year. That is not possible. I resumed my mortgage payment in XXXX of XXXX and have been paying on time ever since. Upon googling SPS XXXX there are sooo many complaints out there from people with the same situation. Meanwhile in XXXX I applied to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for help with what I owe my mortgage company. On XX/XX/XXXX PHAF contacted SPS Servicing to get documentation on what was owed as I was approved for the process and SPS has failed to get back to XXXX to verify what is owed. They have contacted them several more times only for no one to once again get back to them. I have contacted my state representative for help with this matter ; XXXX XXXX and they advised me to file a complaint which is what I am doing now. They think it is very concerning. Last week I received an intent to foreclose letter as well as a copy of a letter that was sent to my homeowners insurance company with the intent to foreclose letter as well. XXXX has advised me once again they sent letter and made calls with no response. I now owe attorney 's fees on top of what is owed because they are not cooperating. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my BMO Harris High Yield Savings account for the last few weeks, and have tried more than four times to call the bank to get reconnected. As I'm based now in the XXXX, each of these calls, which have been 10-40 minutes each, cost me a lot of money. I have yet to access my account. On the most recent call, after 20 minutes on the line with one representative, I was told that I'd need to connect with the fraud department, with a 40-minute wait, and that they would not be able to call me back or give me a number that I could call back at a later time, or give me an email or other way to communicate with the bank. I'm so frustrated that I've completely lost access to my money and have no way to get it back.

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 2023-09-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like complaint XXXX re-opened. In response to the companys response- The companys response is inaccurate. I reached out and submitted dispute on XX/XX/2022. The complaint was re-raised on XX/XX/2022, after it was closed. Included in my original submission is a screenshot of correspondence on the XXXX portal. Where you will see a dispute was started on XX/XX/2022. The customer service representatives closed that dispute on XX/XX/2022 citing ( XXXX ) credits were provided. These credits were not for the defective item but for being overcharged twice. I had the dispute re-raised 7 days after receiving the decision. As I was always disputing the remaining charge for product defective.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was a victim of their inquiry issue, and their customer service would not help take care of the negative inquiries on my credit report listed below : 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 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: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the XXXX of XXXX a friend of mine sent me money through XXXX Which was the amount of XXXX and XXXX dollars making it a total of XXXX dollars I then transferred the money to through XXXX so that the money can be converted to XXXX  for me because Im currently in XXXX and the currency accepted is XXXX  so I had to use my friends account to convert it. 

A week later which was XXXX of XXXX my login got XXXX. I called the bank which is US bank to clarify and I was told my account is being processed for closure. 
So I am very confused on what to do.I guess the bank suspected my transaction as fraudulent but it wasnt And I need my bank account opened to get my tax refund deposited I am ready to verify any suspicious transactions the bank may have suspected I just need my account reinstated 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 2023-09-22
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A lawyer representing me took my case and requested that I follow up with his instruction for the case had me fill out all paperwork & forms explaining my medical history and medical insurance information and etc he instructed me to follow up with these medical doctors for treatment and they had me fill out medical insurance information and etc later I gotten a letter from my attorney and the medical doctors telling me I owe them and they dont want my medical insurance information to pay they pacifically said they needed me to pay out cash money/ the truth

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 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a judgement from the XXXX XXXX XXXX XXXX XXXX that I did not know about. They received a default judgement in XXXX for a loan that defaulted before XXXX. They pulled a wage garnishment from my employer for a loan that has tripled because of post judgement legal rate interest. I was not serviced and was not able to defend myself. 
This debt was signed in Virginia and I was sued in Maryland.

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 2021-12-09
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We keep getting arbitrarily harassed by XXXX XXXX and their merchant services affiliate FISERV - like for today for example we woke up to try and login to our XXXX XXXX  account ( a feature created by FISERV to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.

Company response to consumer: Closed with explanation