BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a savings account at US BANK on XXXX. The balance of {$41.00} was returned in a check. I was also having auto-withdrawal from my primary checking account from my local bank deposited into this savings account, I signed paperwork on XXXX, a Thursday, to stop payment on those {$15.00} deposits into my US BANK account. The deposit went through on the following Monday, XXXX to the closed US BANK savings account. I waited for the return of the {$15.00} until I called US BANK and was told it was " bounced back '' to my original home bank. They never received it & suggested asking the US BANK for a tracing number, which I was given. My home bank investigated the tracing number and found it was returned to them without a name or account number so it was returned back to US BANK.An investigation was started by US BANK over the {$15.00} dollars. I made three separate phone calls on XXXX requesting instructions on how to fill out the claim form. I faxed the form they sent, the form I signed at my home bank and a sign statement from my home bank explaining what happened on my home bank 's end and why my {$15.00} was " bounced back '' again to US BANK. I don't know what else could prove the money never returned back to my account. I received a letter today, XXXX, stating my claim was denied. I have called the US BANK more times than I could remember to document but always got the same answer, the money came back to me when it did not. I don't know what other recourse I have other than reaching out to you for help. Why would I make up something over {$15.00}? I am XXXX & have little access or understanding where/who can help. {$15.00} is a lot for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 asked TransUnion to send me a sign document or original contract to a item that's on my credit report for file number XXXX because i can not identify this item in the amount of {$5700.00} and they fail to do so but yet states that its accurate and did not provide me with the information that will help me identify this item as true,

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 2023-04-30
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXXXXXX, XXXXXXXX XXXX and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In retribution to a complaint filed with the CFPB and XXXX related to one of my business accounts, today, with no change/activity in account status Paypal has closed my XXXX XXXX  account. This account has been limited previously, most recently when my other XXXX account was limited. I have always complied with Paypal 's requests, provided valid information, and paid a significant amount of money in fees to this horrible company. 

Today I received an email that stated that Paypal has decided to close my account without warning and their standard " terms of use ''. This is a clear move to punish me based on my other complaint and should be handled as such. 

They have now made it impossible to transact on multiple other services due to their unilateral bad faith and retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: HI
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 tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from  XXXX ,  XXXX  and Experian to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with Experia,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with  XXXX . I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and used to enter unauthorized consumer credit transactions with Nordstrom TD Bank. Attached below is my FTC report. 

Notice, affiant is aware Nordstrom is dissolved in the state of Texas.Therefore Nordstrom does not have the right to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Allied Union Group Inc
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
EVENTS SURROUNDING AUTO LOAN PURCHASE XXXX XXXX, XXXX, I signed loan agreement on used XXXX XXXX XXXX ***Before signing I was notified that the XXXX was In a accident but no damage was reported and there were no visible signs of damage at all but a small surface dent on rear bumper. 

I first contacted the dealership XXXX XXXX, XXXX, about the vehicle I got from them. It began having serious issues that made me feel unsafe. The first issue was when accelerating it would begin losing power then jolting repeatedly for a minute or so until it would catch up to itself. I'm no mechanic but I figured there was a issue with the master airflow intake. Next issue appeared right after, which had me really concerned. When i made a turn in the XXXX  it started running rough and i realized the rpms were jumping and a red flashing lightning bolt light appeared on the dash so i parked the XXXX  and turned the vehicle off and re cranked it and it went away. This would happen also when I turned on the XXXX  and sat idling for a minute. 

Reached out again to the dealership XXXX XXXX to get something done. On *XXXX  XXXX I believe I talked to the mechanic for Central Auto sales, set up appointment to get the XXXX checked. Within a day or so I started having doubts the XXXX would make it to the shop located XXXX hours away. 

On XXXX XXXX, my account manager at JP Capital which is the lender of Central Auto Sales, contacted me and I made it clear that I wanted different terms, a different vehicle, or they could just get their vehicle and the deal be done. I was very respectful and responsive, and sent her a video to get a better insight on the situation and for proof that the issue was real. She let me know that someone was coming to get the vehicle but wouldn't tell me if it was a repossession. They came **XXXX  XXXX or XXXX and got the vehicle. I gave them the key that I had and everything that came with it. I let account manager know there is No more damage created but would need to be vacuumed. 

*******************STANDING ISSUE WITH THE AUTO DEALER PURCHASE Central Auto sales lied and sold a vehicle that was damaged past what they disclosed to me. Attempted negotiation within the first 30 days to handle Issues before any payment was ever due. Account manager would not inform me if they were counting the action as repossession. 

******************STANDING ISSUES WITH AUTOLOAN*************** JP Capital says I broke the contract, but the dealership committed fraud which should rescind the contract. Also JP Capital has some concerning mistakes in their paperwork. They notified me by certified mail they were selling my XXXX XXXX XXXX to collect what is owed which is completely not related to or linked to my contract or me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2020-12-04
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was charged {$500.00} upfront before I could even get any kind of information on rates. I feel I was locked in with costly up-front fees. I actually paid {$500.00} just for an credit inquiry and some e- sign documents. I couldn't get a rate lock only what they call a float rate which isn't what I wanted. I didn't even need an appraisal because I got an appraisal waiver. The person I was working with only spent the most an 1/2 hour on phone. We did communicate by e-mail some. I have all the e-mails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account at Union Bank  in XXXX XXXX California. I deposited. a check the following week. A week after that I went in to get money as was told they would not release the funds for XXXX  days. I don't remember XXXX XXXX telling me that it was bank policy of the bank to hold a check for a month, I checked all of the collateral that she gave me and there is nothing there stating the monthly hold. In fact they say they take about a week to turn around checks.The manger XXXX XXXX would not help me with my pin or even listen to me. I swore at him and he called the police. I was told that if I entered the bank I would be arrested for trespassing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like to get the prorated portion of my {$520.00} credit card annual fee on my Chase United XXXX which I opened in XXXX and was closed at no fault of mine by the bank in XXXX. 

The accounts was closed by the bank with no wrong doing on my part. The fee included perks ( XXXX XXXX XXXX access ) that I will not be able to use as a result of the credit card being cancelled. The bank claims that it is non-refundable which I can understand if I was at fault or cancelled. As decribed in the paragraph below, I did everything I could to respond to their complaince department 's request. Not my fault that they are inneficient and mistreat their customers. Speaking with two different Chase branch managers, they confirm that this is a recurring problem with their complaince department but they have unrestricted power to do as they wish within the bank. 

At the bank 's request I filed a completed and signed XXXX form five times. 4 at the bank office and 1 via mail over a XXXX month period staring in XX/XX/2023 in response to the same form letter I kept receiving. The last submittal was on XX/XX/XXXX. I signed the form at the XXXX XXXX branch of the bank in front of a banker and provided a copy of my XXXX card. He confirmed via phone that their complaince department had received it. On Tuesday, XX/XX/XXXX all my accounts were closed including my Chase United credit card. Upon calling the bank, the compliance department confirmed that they had the form but had not had time to process it. The statement was ; " Nothing we can do, If you want to do business with the bank, go to your branch and open new accounts ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A card was opened on XX/XX/23 with Capital One that is a fraudulent account reporting on my credit report. The issuer is claiming that I owe the debt, but this account is not valid. I have sent a validation of debt letter to the issuer, to prove they are the original creditor, but I have not received anything in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Account information incorrect

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Rent Recovery Solutions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery Solutions has a debt owed to XXXX XXXX XXXX that I have never had a lease with and I am not responsible for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo Allowed an employee to steal my social security number, account number, and address. in addition, Wells Fargo issued me an XXXX XXXXXXXX device designed to generate codes to enable monetary transactions. I never received this device and have repeatedly asked Wells Fargo to disable it, which they have failed to do. Wells Fargo has now put all of the necessary information to commit identify fraud and steal money from me in the hands of Strangers. Yet, when this happened, when a fraudulent wire transfer of {$20000.00} was made from my Account, and a fraudulent XXXX transfer was made from my account, they refused to acknowledge any possible fault in this fraud. Wells Fargo insisted I authorized the transactions ( I did not ). they refused to give me information about whom the money was transferred so I could file a criminal 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 non-monetary relief
Consumer complaint received 2020-07-14
Company: V and H Portfolio
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: Account status incorrect

Complaint:
Vance & Huffman is reporting a debt on my credit that is not mine. I recently checked my credit and noticed this debt. When I called to confirm if this debt, they were not able to give me any information that confirms this is my debt. Someone had called to make a payment and I advised them to send me an id and they didn't want to send me anything. This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 11 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