BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX XXXX that was placed for collection with Diversified Consultants Inc. ( DCI ), The file number is XXXX. I recently paid the outstanding balance but have been unable ( after speaking with five or six different employees at DCI ) to be able to obtain a release of the debt. I have contacted them daily in an effort to obtain the release without success. I have a closing on the purchase of a home that is being affected by this and need help to get the matter resolved. The debt was under my wife 's name ( XXXX XXXX ) but I was also listed on the account ( XXXX XXXX ). Can you help me obtain my release so I can close on our home? Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: MI
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 have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!

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 2019-03-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
First let me say that this dispute is still currently in process as an investigation. I have an account with American Express Serve. I have been with them for over 3 years. On XX/XX/2019 around XXXX, my account was hacked by a person named XXXX XXXX twice in the middle of the night for {$500.00} and {$370.00} totaling {$870.00}. I was only able to pay one of my bills, XXXX, on this day due to my funds being cyphered as I was looking at my account on my phone.I actually receive an email at this hour stating that I sent this person the money as I am on the phone with the customer service representative. They gave me an invalid number to what was supposed to be the dispute department, which turned out to be a cruise line sweepstakes number ( XXXX ). In order to get back into my account, I had to call the CSR around XXXX as I was on my way to work because my account was locked due to numerous attempts to get back into my account after I had changed all my security measures after I got off the phone with CSR last the morning before. My account was opened only to be locked again later on that morning. My account had already been depleted to {$0.00}, but the person was still trying to access my account. Therefore, as I was on the phone with a supervisor, he changed my username so that my account would not be locked again. I still do not have any of my money because they insist on investigating the case more. I told them I would call back everyday until I have my money back. My account should have been FDIC insured, which means my money should have been returned to my account that day. I also filed a police report on XX/XX/XXXX19 and had to report that to them. I pulled up the unauthorized debit form and fax everything you see to them. By the way, I had to look up the dispute department number as well as the form and send it to them. They really did not help me through this entire process. I feel that this was done internally because of how this situation was pushed only by me. I am highly upset and hurt by this company. Every call is recorded supposedly, someone should listen to how well their customer service reps and supervisors ensure the happiness of their customers when it comes to people loosing their money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: MI
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 have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
discover card limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2018 I began home loan mortgage process with Quicken Loans DBA rocket mortgage which closed XX/XX/2018. I found out later on that my home and finances met the criteria for a USDA loan which the lender never offered and instead wrote the loan for an FHA. They also ran my credit report 3 times in an 8 month period w/out authorization of one. When I contacted them to request that the one be removed I was told " no they would not remove it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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 information incorrect

Complaint:
I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to  the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.

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 2022-01-06
Company: Experian Information Solutions 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

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 2020-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I placed my Timeshare for purchase in XXXX. On XX/XX/2020 I was contacted by Mr. XXXX XXXX from XXXX XXXX XXXX XXXX advising me a buyer had been found and was interested in pursuing the purchase. They sent me a copy of the contract and asked me to submit ( XXXX ) break down as follows ( {$700.00} deed transfer, Title search {$600.00} Lawyer fees {$900.00} ). I was then asked to wire the money to the broker representing the buyers. I set up a wire transfer through Wells Fargo and it immediately came back with a flag requesting I contact XX/XX/XXXX and validate the identity of the broker 's name I was to wire the money to. Bottom line Wells Fargo did not send the wire. I was advised my {$2200.00} was seized and would be sent to the Department of the Treasury. I was dealing with the death of my son during this time and put this matter on hold until I was able to get my head clear enough to go after whom ever I need to get my money back. I have filed XX/XX/XXXX complaint, FTC reports so far. 

I want Wells Fargo to notify me at once about the status of the money and all supporting documentation they used to seize my money and how I can get it back.Wire Transfer Confirmation Print successYou have successfully submitted your transaction on XX/XX/2020 at XXXX XXXX Pacific Time. 
View your wire transfer activity or make another wire transfer Confirmation number XXXX Send to XXXX XXXX ... XXXX From account PREFERRED CHECKING ... XXXX Available balance = {$4300.00} Frequency One-time - send now Wire amount sent {$2200.00} Fees {$30.00} Taxes Local taxes may apply Total from account {$2200.00} Send on XX/XX/2020

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There was an account that was reinserted on my Consumer Report Illegally from XXXX, Transunion, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.

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 2019-03-11
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I borrowed {$15000.00} on XXXX from Citifinancial. From XXXX until XXXX I paid them {$30000.00}. On XXXX ownership of my loan was transferred to XXXX XXXX XXXX XXXX, XXXX, d/b/a XXXX XXXX, not in its individual capacity but solely in its capacity as Owner Trustee for WF 19 Grantor Trust. This was after I called Citifinancial questioning them about balance owed. The servicing of my loan was transferred to XXXX XXXX XXXX XXXX on XXXX. {$190.00} has been taken out of my checking account monthly thru bank draft by XXXX XXXX XXXX - without any written confirmation on my part. I NEVER gave them permission to take money out of my account. Isnt this illegal? 
In the first part of the year XXXX, I saw a bill from Citifinancial where it showed me how they applied the last payment and it didn't look right. So, I called Citifinancial and spoke to several different people over the next few months. They were supposed to be sending me in writing how they had processed all my payments. I wanted them to explain to me several different situations. I want to know what the {$490.00} charged to misc. charges in different amounts dating from XXXX thru XXXX were for. I also want to know why the only amount applied to balance owed in XXXX was {$170.00} on XXXX. The next time anything was applied to balance owed was XXXX in the amount of XXXX, then XXXX on XXXX, then XXXX on XXXX. THEN nothing was applied until XXXX in the amount of XXXX. From XXXX to XXXX they applied a total amount of XXXX to balance owed. The last time I spoke with anyone I was told that my account had been SOLD to XXXX XXXX XXXX. I dont know where or to whom to turn to for help on this matter. XXXX XXXX XXXX bought a {$15000.00} loan that should have only been around {$3000.00}. On different occasions when I was unable to make a regular payment or the full amount due, Citifinancial would offer me deferments. I really did not understand what this meant, only that I did not have to pay it and they were not calling me and asking where my payment for the month was. I was told it would be added to the end balance of my loan. XXXX XXXX XXXX is now telling me that the 15 year Promissory Note is up and I need to send them the remaining balance in full. Which I can not because I do not have that kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for..

Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.

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 2019-03-11
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Thursday XX/XX/2019 I send my son XXXX from my checking account XXXX XXXX XXXX XXXX  to his XXXX XXXX account he received it via XXXX XXXX in to this checking account XXXX. The next day XX/XX/XXXX I send him XXXX dollars again plus XXXX from my XXXX XXXX XXXX XXXX to his XXXX XXXX account. He wasn't able to received those monies. So he email XXXX XXXX to inform them of the situation he hasn't as of yet received any email from them. 

Mean while as he was sending his email I decided to call the customer service number XXXX XXXX. have on their website XXXX it has a recording. So I hung up and dialed that same number again and someone picked up and started to assist me need less to say I was on the phone with this person for about 40 minutes. my son and I. The person on the XXXX XXXX   phone number told me that our accounts was frozen till the next day and that XXXX would get the monies back into his XXXX XXXX account within 24 hours. Well 24 hours later no monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I can't log-in to my account & I looked up the bank & many maybe almost all that complained about them & /or their number/s was about them constantly calling them like auto/robo-calls saying to just call them or press a number just like scam numbers. I've tried emailing them telling them I couldn't even log-in to my account & they didn't say anything in the reply email when I contacted them on the website but to call them! I didn't know almost a year ago that it was near the limit ( since I couldn't log-in & check it ), yet the store said it was okay/accepted to use ( charge ) the card for a purchase maybe around {$100.00} or {$80.00}, it didn't refuse it & bounce it back ( as a more professional/ real bank would do ). They charged the amount making it over the limit ( by around {$20.00} before the monthly fees & other ) & then started the increased monthly charges & increase of every fee so either magically pay ( now ) over {$300.00} AT THE END OF THE MONTH ( when majority of humans that get monthly/weekly payments DON'T have money ) or keep getting these 5 or 6 robocalls DAILY. I also noticed once it went over the limit I also started " suddenly '' getting SCAM/spoof CALLS also ( daily )! Clearly they either also sold my number to cam artists/sites & /or are SO irresponsible their site got hacked & my info ( mostly my phone number/s ) was sold to scammers.

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 2018-07-12
Company: Experian Information Solutions 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 and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

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 2018-07-12
Company: EQUIFAX, 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 and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I deposited two unit of local government checks at a local BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, Kentucky XXXX. One of the checks was for {$5200.00} and the other check was for {$15000.00}. I deposited the checks at the teller at the branch. The teller decided to put extended holds on the checks even though they are two unit of local government checks. Under the expedited funds availability act, the funds are to be available the next business day, subject to certain exceptions which don't apply under the circumstances. Per BB & T Bank {$100.00} will be available on XX/XX/2019, {$100.00} on XX/XX/2019 and {$4800.00} on XX/XX/2019, and {$15000.00} on XXXX XXXX. These holds are illegal under the Expedited Funds Availability Act. I asked the teller when I was doing the deposit why they were doing the extended holds even though they were government checks, and the teller 's response was because I didn't have sufficient funds to cover the checks in my account currently. Not having enough funds in my account currently is not an exception to the Expedited Funds Availability Act, and is being used as a pre-text to extend the hold times for local government checks. BB & T is flagrantly violating the Expedited Funds Availability Act when I deposited two local government checks and the funds are supposed to be available within the next business day.

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 2019-03-11
Company: Experian Information Solutions Inc.
State: AZ
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 contacted Experian to inform them the following information is incorrect. The information is still reporting incorrectly : My name is NOT and never have been XXXX XXXX XXXX, delete from aka or otherwise. The following addresses are inaccurate and require deletion from my report XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX, my current address is XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX-please add to report. My current employer is XXXX XXXX XXXX XXXX, please add to my report. I am a XXXX veteran of DEPARTMENT OF US XXXX. Please update personal information accurately. 
Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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