BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: Credit Corp Solutions Inc.
State: IL
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 have XXXX XXXX that I monitor regularly and noticed that XXXX XXXX  from XXXX is on my credit report which I never used or have a XXXX account. Dates go back on this account from XXXX. I got married in XXXX with my husband and we bought a house together in XXXX. I also received a letter in the mail from Credit Corp Solutions collection agency from Utah, demanding payment for {$1200.00} and that is dated XX/XX/XXXX. I called the number on the letter ( XXXX ) XXXX, and spoke with a representative stated that I don't have a XXXX account. I then told them the address that they had on file was XXXX XXXX XXXX in XXXX, which I lived there 20 years ago with ex-boyfriend. The collection agency sent me a large packet of paperwork with detailing the charges to my address with my maiden name. Every charge in the packet is detailed in the name " XXXX '' and multiple similar charges repeat over several dates, which I don't recognize. In this packet, they demand me to complete, notarize and return to them. They have my current address, social security number and date of birth. I filed a police report with XXXX police department and also spoke to the fraud department at the bank about this situation. Bank told me there is no money coming out of my account and debit card is fine, bank told me that they are fishing for someone to pay this bill. There is an investigation on this case and here is the police report number : XXXX. I was at work on XX/XX/XXXX and I got a call at XXXX XXXX, from an anonymous number, which I didn't answer, who did leave a message, which was Credit Corp Solutions calling me about returning the pack. I called them back to tell them to stop calling me on my work phone and I'm not returning the packet with my signature on paperwork. 

Thank you for reading what I had to say. I hope this helps everybody who is having the same issue as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a checkin, savings, n ira account with wells Fargo bank in XXXX XXXX I noticed towards end of XXXX I had XXXX at beginning of that year I had a accident at work n in process of going thru workman 's comp because after I had XXXX my we work company took my workman 's comp away, they stated a rewards signature credit card n changed my online bank statement I stopped receiving statement n they did overdraft services with n savings n credit card so I went to bank during Covid n they did not know when they opened some kind of company under my name with my account n started making transfer using checking saving n credit card so changed acct # n changed phones line XXXX times n email n wifi several times n bank continue to let them do online transactions when I told not too no online anything my phones have been hacked every single time it's just matter of weeks n it kept going, I have made several complaints thru emails n phone but bank said emails were not received they redirect my calls n stop emails so it been so hard to get anyone to help I have all my receipts n bank statement now I need help cause I don't understand the codes or where money was sent n bank couldn't help me it's been thousands over last XXXX years even tho I don't put any money in this account anymore I only pay bills from wells Fargo there n they'll reverse my payment stal my money they've cashed checks with credit card n I've never seen those transaction on my end it's been over easily 15,00 on my checking n savings if not more n credit card 8,000 my IRA was supposed to be more than 650 when I closed because I had started putting XXXX a month towards that but I cancelled all of that in XXXX of, XXXX I can contact on my phone at ( XXXX ) XXXX this email only safe one I can use it's my sister 's who can help recuperate some this stolen money n help with the identity theft I've gotten all my credit reports most recent but they don't have valid number to call to investigate n I really can't see anymore due to my accident I'm still not able to work n don't have no one to help or even believe me n it's depressing that they can get away with ruining my life n I'm gon na lose my home because I can't pay it anymoreive gotten help from XXXX XXXX XXXX but it's ended n I have no access to computer please help, I'm ready just to give up on life cause I can't do it by myself to send receipts n statement it too email but I send thru postal office

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 2019-07-04
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
PLEASE FIND ATTACHED THE TRANSACTION DETAILS IN A LETTER HEREIN ATTACHED THAT I RECEIVED FROM WESTERN UNION CONCERNING MY TRANSACTION, INFORMING ME THAT MY MONEY WAS READY FOR PICK UP. I RESIDE XXXX XXXX, NEVADA AND AM ON A BUSINESS/VACATION TRIP IN XXXX. UPON ARRIVAL AT XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX IS ONE OF THE AGENTS FOR WESTERN UNION, IN XXXX, XXXX AND WHO i BANK WITH. 
WHEN XXXX COULD NOT VALIDATE THE XXXX NUMBER REFERRED TO IN THE LETTER SENT TO ME. I CALLED WESTERN UNIONS  CUSTOMER SERVICE, I WAS TOLD THAT THE MONEY WOULD NOT BE AVAILABLE FOR SEVEN DAYS. UPON SPEAKING TO THEIR SUPERVISOR, I WAS TOLD THAT THEY WANTED TO CREDIT BACK MY ACCOUNT IN THE U.S. IN BREACH OF THE INTERNATIONAL TRANSFER THEY DEDUCTED MY ACCOUNT IN XXXX XXXX AND IN DIRECT CONFLICT WITH THE TRANSACTION LETTER THAT IS LEGAL TENDER THAT I WAS HOLDING, WHICH THEY HAD SENT TO ME THE DAY BEFORE. MY SITUATION IS THAT I TRYING TO RESOLVE THE FOLLOWING ISSUES WITH THE TRANSFER I MADE. 
1. I HAVE HEALTH ISSUES 2. I HAD A BUSINESS ARRANGEMENT THAT I WAS COMMITTED TO THAT HOLDING MY MONEY WOULD PUT ME IN BREACH OF.AND THAT HAS NOW MADE ME LOSE MY DEPOSIT. 
3. I HAVE A NON REFUNDABLE TICKET THAT HAS A TIME FRAME WITH SPECIFIC SCHEDULE OF DAYS TO SPEND IN XXXX. 
WHO WILL THEN BE LIABLE FOR THESE SITUATIONS THAT THE DELAY IN GIVING ME MY MONEY IS CREATING? 
IF THERE WAS ANY CONCERN FROM THE ONSET WHY DID WESTERN UNION NOT JUST DECLINE MY TRANSACTION.? 
I INTEND TO HOLD THEM LIABLE FOR EACH SITUATION AS IT MAY COST ME IN MY NOT RECEIVING MY MONEY FOR THE TRANSACTION I PAID THEM FOR AND WHICH THEY CONSENTED IN WRITING AND GAVE ME A LETTER CONFIRMING..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File # XXXX Date XX/XX/18 TransUnion has on my credit file Cash Advance Inquiries from cash advance companies in which I have not applied for or owe. TransUnion has yet to provide any proof of any document of any kind of me applying for a cash advance loan. TransUnion has committed fraud or sold my information with out my permission. TransUnion has not provided any proof of no kind and committing fraud under my name for cash advance loans inquiries.

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 2023-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

The letters are stated with items and issues.

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 a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc. received my mortgage check # XXXX in the amount of {$2400.00} for the XXXX mortgage payment. Instead of depositing my check, Select Portfolio Servicing , Inc. made an ACH withdrawal from my checking account on XX/XX/2019. I never authorized Select Portfolio Servicing, Inc. to make an ACH withdrawal from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid 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 am the owner of XXXX XXXX, an event company that books tickets for Broadway shows, concerts, etc My business was shut down due to Corona. I had a large balance with American Express XXXX at the time, due to inventory purchases for future events. I knew most would be refunded as the events one by one began to get canceled. I tried negotiating with Amex based on this, requesting a credit on the estimated refunds, but they would not listen and they went ahead and filed a lawsuit. 
I ended up settling the account which started out as a balance as high as XXXX but then was lowered to about XXXX due to refunds. More refunds were anticipated over time. I finally settled with Amex for XXXX to be paid over a period of a few months. 
I asked at the time what would happen with additional refunds, AFTER I paid the agreed settlement, but they did not know exactly how they will go about that and informed me that they will look into it. In the meantime, I made payments towards the XXXX settlement, as agreed and I was getting thousands of dollars in refunds at the same time. Those refunds were NOT counted toward my settlement balance nor were they refunded to me. I would like those refunds to be made to ME directly, since the settlement was reached on XX/XX/21. And is currently PAID IN FULL. 
We called Amex numerous times to try and set up those refunds paid directly to me. They informed me that I should be receiving those back. So far, I have not received any refunds from Amex and at this point they are giving me the runaround. I have attached the settlements agreement and stipulation from American Express and the attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern my name is XXXX XXXX. When applying for unemployment I was given the option to receive direct deposit I checked to have it sent to my own personal account and summited the application. I got approved for unemployment and logged on to my account on unemployment and seen a payment was sent to me in the amount of XXXX on XX/XX/2020 but when I checked my bank account XXXX with Bank of America nothing was there. I checked again the next day to see if any deposits came to my account then I noticed the last 2 digits of my Bank of America account number was wrong. Instead of my account XXXX It had XXXX I contacted Bank of America to let them know what happened and they told me if the account name didnt match the name on the direct deposit it would be rejected. I called unemployment several times to see if the payment was rejected no one was able to help me. I finally went inside Bank of America and explained everything that happened and spoke to a branch manger name XXXX XXXX, she informed me that the wrong account number that my money went to is an active account and the direct deposit did go through to someone elses account she said she can see the direct deposit was made out to me and came from the unemployment office and it was a business account that my money went into. She filed a claim and they notified the person of that account. The person of the account did notice a mistake had been made and agreed to sign and email a ACH authorization form to have the funds sent back to the correct account. It has been 2 months and I still have not received my money. XXXX XXXX the branch manager I spoke to is located at XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX and can be reached at XXXX. I can be reached at XXXX account number XXXX or XXXX XXXX XXXX whos name is also on the account with me. 

I read on channel 9 news XX/XX/2020 same thing happened to a older couple by the names XXXX XXXX and XXXX XXXX who put XXXX in wrong account said it was a nightmare just to get it back from Bank of America after weeks of calling and having to go on XXXX XXXX news got their money back and a extra XXXX for the troubles I think same should happen for me as well. Give me my money back and XXXX extra for my troubles its been 2 months.

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 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CAPITAL ONE IS NOT REPORTING TO CREDIT BUREAUS AND IS RUNNING MY CREDIT BY REPORTING WEEKS LATER!! They will inform the bureaus immediately if i miss one payment, but when I make a payment early/on time, CAPITAL ONE will not update my payments for up to one month OR MORE!! 

I paid my credit card balance precisely one week ago and I also completed two separate payments to the exact same credit card. All of my payments have been deducted from my bank account and have posted to my bank account as well. The problem is that I called capital one about updating my available balance and was given an ultimatum. It has never taken more than 2 days to update. I have made and posted 3 separate payments to this credit card and the balance is {$1.00} but my available credit is {$0.00} and it has been that way for a week now. I believe that I was targeted by the senior account manager due to their extreme rudeness and me, clearly informing them that they are not helpful whatsoever and that my problem was not addressed or merely resolved. How can capital one just take our money and hold it hostage. 

This is directly ruining my credit score due to the fact that they are not reporting on time. This credit card is completely useless and it has only made my credit score drop by over 100 points. They only ruin my life and credit instead of helping make it better. I wish this company could be brought to justice!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-31
Company: SinglePoint GI
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from General Revenue Corporation has called my place of work three times. On the third time, I picked up. I told them that this was a XXXX phone line and he can not call this number. He said : " I am well aware this is a XXXX phone line. '' So I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this.

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 2021-06-28
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:
Collection account from XXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection 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 2020-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not lift an Equifax credit freeze online. This is because I can not log into Equifax XXXX to make temporary lift of credit freeze. For months has given error, " We are temporarily unable to complete this request. '' whenever I either try to log in. Have also tried to reset the account and I get the same error. 

I was able to lift the freeze via a phone call, but they are only open limited hours, which do not overlap my availability. I asked them to make my account work again, and nothing happened, so I still can not lift it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.

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 2023-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Navient Solutions, LLC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried several times to dispute issue with experian. 

Experian is reporting a deliquent or deragatory account with XXXX XXXX auto finance on my report. This account is way past the reporting time allowed ( 7 years ).

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