BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a problem with Bank of America they closed my account because I had a few over drafts on my account but all was paid even after they closed the account now I cant get an account no where else because they have me down a I owe them money but the money was paid I even called and talk to a lady and she didnt see nothing there that say I didnt pay but when I go and try to open an account some where they say that I owe another bank and thats the only bank that I had

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 2020-10-08
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Rocket Mortgage in early XX/XX/2020. I was shocked when they asked for the username and password for my bank account. I have been the victim of ID theft, as a result, I hold my private information secret and do not reveal easily. My credit info is frozen at all 3 bureaus. I reluctantly provided it and then immediately changed both to a complicated username and password. Then, I was given a loan estimate that made no sense. Not only did the math not add up but the closing costs were outrageous. I pointed this out to my broker who stated he was seeing something different on his end. He saw {$6000.00} something where I saw {$11000.00} something. I am being vague here. He told me he would send me a new estimate with the corrected numbers. The second estimate was accurate and attractive. In the meantime, this company continued to request more documents and after I had been told there would be no appraisal, all of a sudden there was to be an appraisal after all. Then a 3rd loan estimate that was more expensive than the 2nd. I asked my broker why. He reassured me he would see what he could do and I would get another estimate. I did and the 4th was even more expensive. The loan amount was higher than the previous 3! All this while, there were multiple multiple phone calls, e-mails, copying of documents and uploading and sending. Being placed on hold. This has dragged on for months. This is harder than the original home loan I applied for. Are they trying to outwait me? They are playing silly fun and games and I don't like it. They are wasting my precious time. I am XXXX. I have had several procedures done this year and I don't have this kind of time and energy. At times I have to make copies of documents at the same time I am preparing or recovering from XX/XX/XXXX and procedures. I am exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: STERLING JEWELERS, INC.
State: AR
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:
Fraudulent account is being reported! Wrong Drivers license number attached to original application, wrong phone number, wrong employment, and wrong/incorrect spelling of NLR name ( I would not misspell my own mothers name ), wrong zip code and the signature looks like a childs writing! Contact Kays and they stated it had to be my account due to previous contact with the owner! I know this account can not belong to me due to the correct phone number not being on the application and me not knowing of this account until I sent the verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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:
Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX  In case of questions please contact me directly )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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:
Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX In case of questions please contact me directly )

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 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-03-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost XXXX XXXX that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop 19 points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But 19 points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop 19 points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.

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 2021-08-18
Company: Receivables Management Corporation
State: SC
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 have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-08
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a deposit for services to a Cash App user named XXXX XXXX ( $ kimberlypenalver ). She did not provide the service so I requested a refund on XX/XX/XXXX. She has not granted the refund and I would like to report her for suspicious activity. Cash App has provided zero support to report this user, review their account for abuse, or restrict this users ability to continue her scams. It would be appreciated if Cash App would do more to protect users like me from rampant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Multiple multiple over drafts outrageous amount over 500 since XX/XX/XXXX have reached out multiple times but have been told nothing they can 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 2021-03-05
Company: SYNCHRONY FINANCIAL
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$1200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-10-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX Account is frozen without reason for almost 3 months ==== We set up a PayPal business account for non-profit in XXXX XXXX. Since then, we have use it for online donation and money transfer to bank account or other PayPal accounts without problem. 

Since XXXX, the account was put into account limitation state and could not transfer money out. Starting from XXXX, the account could not even receive money. As such, we can not accept online donation. Currently there is about XXXX in the account. 

PayPal compliance department requested 4 pieces of information on XXXX ( see attached ). Due to some technical issues probably in PayPal side, we did n't receive any related emails from PayPal in our 3 email accounts registered in PayPal. Once we learned the situation through other channels, we provided the requested information on XXXX. 

Again, no further email or phone call was received from compliance. Only after calling to Customer Service, we learned that additional information was asked. We provided that on XXXX, XXXX and XXXX. 

According to customer service, the review process started on XXXX. 4 weeks have passed and we have received no information on its progress and its conclusion. Through multiple phone calls to customer service, this case had been escalated various times. But this does not seem to have any effect. 

Based on a recent class action lawsuit settlement, PayPal is required to provide the reasons for freezing an account. We have received none. In the call to customer service on XXXX, a ticket is filed to request that. 

As a long time customer, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in legal and business sense. It is unimaginable for a regular bank doing so without facing consequence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy.

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was not advised nor did I allow the bankruptcy information to be added to my Transunion credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX XXXX information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us.
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

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 2019-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are incorrectly reporting the XXXX   account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit 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 2020-02-05
Company: Riverwalk Financial Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally had a car loan through XXXX XXXX and did a voluntary repo. My account was sold to Deville Asset Management. When i contacted them to see if the car had been sold they told me they had no information on me. I believe the car has been sold and imthere is no balance left. I have been told nothing or have no information and i dont understand why they could not fine me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CATHAY BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CONSUMER FNANCAL PROTECTON BUREAU XX/XX/2022. I have filed a complaint No.ID XXXX and it is not resolved the problems for online banking account with mobil phone and email pass code link to login account on software problems in three months. 
I am frustrate, and I am very concerned seriously about the Cathay Bank management is fully responsible safety my account. 

I can not login my account where my social security funds has been deposited in three months at Cathay bank XXXX XXXX that purchased my bank account from XXXX in California I contacted the manager XXXX, Cathay bank of XXXX many times to care of account problems and I requested to send debit card, credit cards are not delivered. 
XXXX has already referred the problems to the relevant team of customer care supervisor XXXX XXXX who works out the problems with software engineer.I contact him many times and left message on customer services at XXXX. NOBODY FEEL RESPOSiBLE AT CATHAY BANK. 

XXXX XX/XX/2022 XXXX also filed the complaint to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/2022 I have filed the complaint to the police department XXXX XXXX XXXXXXXX where I resides for 40 years. 

Urgently I need help. The CFPB has to act with responsible for law enforcement. I believe, I am the victim of elder Financial abuse an act that violated my consumer rights and I have been suffering unusual hardship in California Law offer financial protection dependent elder adult. 
I have been unfair dealing with XXXX and XXXX with violation US and Californai banking laws. 

Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation