BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ), has 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 a 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 2019-05-11
Company: Global Credit & Collection Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I had a XXXX credit card debt for {$1800.00} to pay to the collection agency after tons of calls, letters and text messages. 

I took a loan of {$1800.00} from a loan agency on XX/XX/2019 to pay off this loan and i was told by the by the loan agency that the payment will be sent to the collector and reflected on my account by XXXX XXXX, and just incase i need to call my debt collector for a settlement letter i should do so after XXXX XXXX. 

I have been calling them from XX/XX/XXXX uptil this date no answer. Each time i call the XXXX-XXXX phone number, it does not ring but goes directly to voicemail and ask to leave a message which i never get a call back. I dealt with a lady named XXXX who called and texted me atleast 5 times a week to discuss settlement. There was a direct XXXX line which we used to communicate but the number will not go through after payment. 

I even called the Loan agency to find out what was going on and they gave me all references to payments made to the debt collector in 2 installment ( {$120.00} XX/XX/XXXX and {$1700.00} XX/XX/XXXX ). I looked online and not a single review was positive Please i need help on reaching this collection agency so they can tell me when my release letter will be available. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EdFinancial Services
State: CT
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 requested credit reports and it showed a delinquent payment to Edfinancial when we all have Been given an extension until XX/XX/2022 to begin repayment. This is in correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

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 2021-11-07
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, For many years, I've had both a checking account at XXXX XXXX  and a savings account WellsFargo bank. 

On XX/XX/XXXX I opened a brand new checking Acct ( XXXX ) at the XXXX website, and on XX/XX/XXXX I moved {$5000.00} from my XXXX checking acct into this new WellsFargo acct [ this transfer was successful ]. 

On XX/XX/XXXX XXXX I received an email from WellsFargo that said : " Don't wait, finish your application for Wells Fargo Everyday Checking... Take a moment now to complete your application ''. 
So I followed the hyperlink in the email, I answered the series of questions their webpage asked me, [ in response to 1 of the questions, I said to transfer {$100.00} from the XXXX  acct as the initial deposit ] and then I was given a 2nd checking account number ( XXXX ) which I never wanted. 

On the morning of XX/XX/XXXX I called WellsFargo telephone support and told them that I only wanted 1 WellsFargo checking acct ( not 2 ). 
They said that we could close the 2nd acct immediately and the {$100.00} transfer [ for initial deposit ] would not be processed. 
On the morning of XX/XX/XXXX I logged into the XXXX website, and I could see that {$100.00} was taken out of that XXXX  checking acct as " WELLS FARGO ONL ACHFUNDING '' but when I logged into WellsFargo.com the {$100.00} never appears in any of my WellsFargo accounts. 

I have called WellsFargo customer service multiple times about this lost {$100.00} transfer.

They deny that WellsFargo ever received the {$100.00} transfer, and they tell me to call XXXX XXXX  to resolve the problem. 
They also said that any transfer going into a closed account would have been automatically sent back to wherever it came from [ but that never happened ]. 

I have called XXXX bank telephone support multiple times about this lost {$100.00} transfer. They insist that the {$100.00} transfer to WellsFargo was successful.

They say that since WellsFargo bank initiated the transfer, I would need to call WellsFargo to try to get this problem corrected.

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 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kohls department store was supposed to send our monthly invoices electronically through email however they made no attempt to send monthly invoices even though we had asked them several times. They then proceeded to charge us {$37.00} per month late fees. We feel that this is a widespread problem with Kohl 's department store and it needs to be addressed as soon as possible. If we were elderly or not knowledgeable regarding this situation others may be at risk. 

XXXX XXXX, XXXX late fees of {$37.00} XXXX XXXX XXXX XXXX late fees of {$37.00} XXXX XXXX, XXXX late fees of {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
There wasn't a category to specifically identify my issue ; however, this category is the closest. 

On XX/XX/2019, Walmart ( XXXX XXXX / XXXX ) pulled an unauthorized amount of {$300.00} from my checking account. However, the unathorized amount, categorized as a payment, on the transaction details, hasn't been posted to my account. 

My regularly scheduled monthly automatic payments have been processed on the XXXX or XXXX of the month for several years. My regularly scheduled automatic payment was processed on XX/XX/2019. XXXX personnel aren't able to locate the payment even though I've provided them with the transaction details. 

Walmart is in the process of moving my credit card account from XXXX to Capital One. It appears that someone within the establishment ( XXXX XXXX or XXXX ) has fraudulently taken advantage of my automatic payment information. Now, XXXX XXXX is refusing to acknowledge the issue, although Ive provided them with the transaction details. 

Per the transaction details, the " Sending Bank '' is XXXX XXXX. When I called the " Bank Phone Number '' that included in the transaction details, I was transferred to XXXX. Although I've provided the transaction details to XXXX 3 times, they've sent me another message asking for the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Ocwen Financial Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted PHH Mortgage /Ocwen Loan Service . We asked them to supply us the direct phone number to Ocwen Financial Service in XXXX XXXX XXXX FL. 

We got an email back from PHH saying they are looking into my request for the phone number. 
Looking into my request it should be here is the number or no we will not give you this number. 

PHH ombudsman XXXX XXXX sent us a letter also XXXX.We will review issues raised. We were looking for a phone number is PHH stalling us or is this some sort of humor to them. 

Mr.XXXX  XXXX is representing PHH he sent us a letter dated XX/XX/2021. Another letter XX/XX/2021 that he represents PHH and then on XX/XX/2021 he says his firm acts for PHH and XXXX XXXX XXXX XXXX XXXX trustees. 

Nowhere do I have in writing that Mr.XXXX represents Ocwen Financial Corporation. 

We received an email from Mr. XXXX saying you will not be getting a phone number for Ocwen Financial Corporation and I also represent them. 

on XX/XX/2021 I sent Mr.XXXX email for him to show me authorization he represents Ocwen Financial Corporation. 
My request for proof was denied. 

We feel Mr.XXXX should produce authorization in writing why would he not? 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are reporting 11 times the same company a dollar or two off. I asked for proof of debt and they only provided account numbers. Some times they reported I was serviced I didn't live in Florida and it could not be me. They have been unable to provide me with proof it was me. I always have insurance so I wouldn't owe anyway. They are destroying my life and it's not fair to report me. How can these stay on my report when I am disputing. I have been fighting these people long enough. They are literally causing severe stress.

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 2022-03-30
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX and XX/XX/XXXX I called Macys stating that my credit report XXXX, XXXX were reporting a incorrect of {$1000.00} and the balance of my account was 0.00. I visited my account on line and its shows a balance of {$35.00} dollars for interest. I called Macys again. on XX/XX/XXXX and I was told by the billing department that they will credit the 35.00 but they will. not correct the information. 
I am very upset since I paid my entire balance and it was before there statement closed so they should I reported a 0.00 balance. I want my credit report to be updated with 0.00 immediately.

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 2021-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I have a bank account with Bank of America. I opened a checking and saving account with them about 2 years ago the first year was great no complaints but this past year I dont know what is going on but Im having problems with my account getting hacked into. Im having money just disappear, transactions being made that I did not authorize, checks be cashed on the online banking, and transfers being made to other accounts that I dont know who they are. I tried to dispute all the transactions that I could see that I did not recognize but after months they tell me they are not going to pay the claims. I had someone go on vacation to VA XXXX in the beginning of XXXX using my bank account and I have never been there before and I dispute all of those transactions and they did not pay that claim. The claim was for almost there XXXX dollars. Im still waiting to hear from a XXXX dollar dispute I did on a transfer made through zelle that I did not do. I have filed a identity theft report because there is a name and address on my credit report that I dont recognize and that may be the reason Im having the issues with my bank account. I am beyond stressed about this whole thing and I have lost so much money dealing with this as well. I dont know what else to do, if you could give me any direction to go that would be extremely helpful. Thank you for your time.

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 2017-10-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX  customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous behavior

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 monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XXXX XX/XX/XXXX I think it was my check was deposited on to this card and they kept that so on XXXX the XXXX I had a deposit of {$5000.00} get deposited on there well that close to my account and they won't give the money back I have sent letters that haven't even talked sent it back to the Small Business association it was a grant that they had gave me and now they won't send it back I've even tried to contact them several times through emails I even give it to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received multiple emails from Wells Fargo notifying me of a new customer checking account that has been opened. I called Wells Fargo on XX/XX/2022 to inform them I had not opened an account. I was informed that a checking account was successfully opened under my name which can only be done with my social security number which would make this a case of identity theft. I was advised a case was opened with Wells Fargo regarding the fraud, case number XXXX, and I needed to report the theft to the credit bureaus, banking institutions, police department, FTC.

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 2017-12-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I called to increase the limit for a withdrawal out of my Coinbase account from XXXX to XXXX. A person answered and helped to assist me. 

I just noticed that instead of assisting me he stole XXXX XXXX {$9800.00} from my account. 

He initially said he was initiating withdrawal to my bank and I had XXXX XXXX XXXX account and to expect the money shortly. I had no reason to doubt that I was being conned or scammed. 

He disconnected the phone call around XXXX and never answered again. 

His phone number is ( XXXX ) XXXX and he went by the name of XXXX XXXX. 

His location is in XXXX NY Coinbase California, XXXX XXXX, United States XXXX XXXX United States of America California XXXX XXXXXXXXXXXX wwww.coinbase.com Are there any other witnesses or victims to this incident? 
XXXX XXXX XXXX representative was on the phone during the conversation on a 3 way call If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
XXXX Police here in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and returned the vehicle paid up to date with a XXXX balance in 2018. Around that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX but I no longer had a lease because I had paid off with a XXXX balance and closed the account. Receivables Performance Management LLC aka RPM has now put a collection on my credit bureau accounts for {XXXX}. The notice specifies XXXX XXXX XXXX XXXX as creditor and XXXX XXXX XXXX as original Trust, creditor account # listed is XXXX. I do not owe this debt and it's a fraudulent attempt to collect from me and ruin my credit. Please help me resolve this matter promptly as it is affecting my credit and causing me anguish. 
Thanks.

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 2017-10-30
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Because I have been a victim of identity theft I placed a alert of my credit it now as of XXXX/XXXX/XXXX has a freeze on it. On XXXX/XXXX/XXXX I received notification via XXXX XXXX  XXXX of an alert. The alert showed a hard inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
They are located in XXXX, NC. I contacted someone on XXXX/XXXX/XXXX at XXXX. They have a collections debt so I asked why would my credit be pulled without permissible purposes. I have not received any letter about any debt and considering I havent applied for credit or owe any new debt my credit shouldnt be pulled. The individual asked me for my name and I refused to give her my address and social because she didnt answer why they pulled my credit. Obviously the debt was fraudulent or invalid. I explained I never gave anyone permission to pull my credit. They cant offer any explanation. I have been working closed with the credit bureaus to keep my credit safe and information only to be violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run 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 explanation