BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is imformation on my report that stops me from opening an account anywhere that is false info i had fraud on my accounts and closed them no longer have them please take off whatever it is stopping from opening an account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I thought utilizing ace check cashing service would have directly with avoided the exact dilemma that ace is imposing on me and my credit now. Apparently paying a huge check cashing fee, ( I only got approx 80 $ ) as well as other membership fees are all for nothing - because now ace is telling me a check they confirmed and cashed for me as well as charged me for, was not good? And now I owe ace the original check cashing fee, ( 12-15 $ ) the amount of the check, ( approx100 $ ) another fee as well ( XXXX $ ) and a returned fee. ( XXXX $ ) All this totals up to many more dollars than I ever even received from ace after I used their services approx three months ago. Now two months ago they claim I owe them many more dollars than they ever gave me after using their services, and finally a month ago they stick it on and attempt to ruion my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account data was breached as part of HSBC admitted data breach. I have now had wire fraud and ach fraud on my account. The latest fraud was in the form of an automatic payment of {$2000.00} from XXXX. I dont shop at XXXX nor do i do any business with them. HSBC is telling me the charge was authorized by me and to call XXXX. They are ignoring their own lack of system security and refusing to protect my funds, or return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
This is ridiculous Experian is refusing to remove false information from my credit report from Impact receivable management I have not knowledge of this account, XXXX XXXX, XXXX Remove the accounts Except Experian I will hire a lawyer if I have to because I am being denied opportunities thats are hurting me when this account is not mine

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 2019-05-23
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I went to Cash Express in XXXX XXXX Tn to renew the final payment on a {$300.00} signature loan. I was told I could not renew this because they were changing to flex loans. I was assured by the associate that it was the same kind of loan. I had to make a new flex loan and let it pay off the signature loan. Not having a choice I let them do that. I had to make a loan for {$400.00} to pay off the old loan. I ask about payments and due dates. The associate said she could not tell ms those things but I would receive letter in about 60 days giving me that information. After 60 days had  passed and I received no information I went to the office. A new associate told me she did not know why I had not received the letter. I paid {$300.00} on the loan. I went back later an paid {$100.00} more on the loan. I still do not know how much I owe. I have paid {$400.00} on a {$400.00} loan. Time goes by and I still have not received a letter, phone call, or email frrom Cash Express. On about XX/XX/XXXX I receive a final notice before legal action letter from Cash Express saying I owe {$620.00} due byXX/XX/XXXX. It informed me I could get a conformation and itemized detail of my debt. I was waiting for this information when I was served a civil summons onXX/XX/XXXX.I have not received any contact from Cash Express XX/XX/XXXX even though I requested it. XXXX XXXX is the legal council. His phone number i XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: AmeriHome Mortgage Company, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For the last couple of months I have been trying to complete a loan modification with my lender but they keep asking for repetitive documents. I have provided proof of my hardship which is my husband lost his job. I am concerned that they are going to try and place a sale date on my home when I keep sending documents over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: NY
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:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, There was 2 separate transactions ( {$100.00} ) and ( {$150.00} ), on XX/XX/XXXX and XXXX. This happened at the ATM, using a card-free access. I filed a dispute on XX/XX/XXXX, since Wells Fargo was have a system failure ( on my end, until XXXX ) and they denied my claim, because they had assumed it was authorized, when in fact, it was unauthorized. I was in another city at the time of the transaction and this is unacceptable.

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 2020-08-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cardinal Financial Company ( Limited Partnership ) offers a bi monthly ( every two weeks ) payment option that requires the mortgagor to allow electronic fund transfers/debits from their banking or brokerage accounts. 

I do not allow any financial entity to access my brokerage account and I pay almost every bill or invoice through XXXX 's Bill Pay system. 

After setting up a bi monthly payment process for my mortgage payment I was informed by Cardinal that they would not post any " partial payments '' and they would only post my payment to the mortgage account only after my payments had accrued to a full payment thereby defeating the purpose of executing a bi monthly payment system from XXXX 's Bill Pay system. 

When I spoke to a manager about this process she asserted that the only way I would be able to achieve a bi monthly payment process was to allow Cardinal to debit my brokerage account for payments every two weeks. 

I asserted that I did not think that they could legally postpone my bi monthly payments if I was paying them every two weeks from XXXX 's Bill Pay system as internally they offered the same option but require direct access for debit disbursements from my brokerage. 

With the plethora of cybersecurity breaches that occur almost weekly now - I, as a concerned and knowledge cybersecurity professional DO NOT want to provide access to my brokerage accounts to any business entity for any reason. 

XXXX XXXX firms provide a Bill Pay service that electronically transfers my payment to Cardinal 's Mortgage processing system/business entity. 

Therefore I am questioning the legality of Cardinal 's bi monthly payment process and would like to see if a determination can be made if they have a legal foundation for their current policy of only allowing bi-monthly payments to be executed only if the customer allows access to their banking or brokerage account for those payments. 

Cardinal Payment Processing Entity ( XXXX XXXX XXXX XXXX ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ) and was sent a response that they would not investigate my claims because they believe my claims were false and my ftc report was not official ftc report which is false. Transunion has denied me my rights as a consumer and  according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING THE RESPONSE LETTER FROM TRANSUNION SAYING THEY WONT INVESTIGATE OR BLOCK THE FRAUDULENT INFORMATION, ALONG WITH THE RECEIPTS FROM THE U.S. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY TRANSUNION, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY  CARD SO THAT TRANSUNIO CAN SUCCESSFULLY IDENTIFY 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 explanation
Consumer complaint received 2018-11-11
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XX/XX/2018 XXXX  received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from XXXX it was told in a letter that a third party vendor Lexis Nexis had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on Lexis Nexis this is clearly a privacy violation for both agencies. I need to how is this verification  legal since the courthouse on record doesn`t release said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today, XX/XX/XXXX I was denied an appointment to sell XXXX XXXX products because they were unable to obtain a report from Experian. An insurance must have carrier appointments and I need to allow companies access to my credit report. 

I was informed there was a VOLUNTARY CREDIT FREEZE from XX/XX/XXXX on my report from Experian. I followed the link to remove the freeze and filled out the required information. At the end of the form I was required to submit payment to remove the freeze which I did. My credit card was charged but the freeze was not removed. 

I attempted to call the customer service line to inquiry what further actions could be taken. It was automated and there was no option for my particular question so the system hung up on me. 

There is no information on the customer service website that allows access to a representative but I was able to XXXX search and find a contact number. The representative asked questions and put me on twice. It appeared the problem was about to be solved but then after another hold I was informed that there was a " problem ''. I asked what the problem was and was told it could be a number of things. The only remedy is to start over with a new pin number that will take 7 - 10 days to arrive by mail. At that time I can try again. I have no choice except to wait and hope for a better outcome next time. 

I have answered the questions asked and paid the required fee. This situation is preventing me from working with any new companies. How can I correct 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 2019-09-03
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
As I was working on my taxes ( XX/XX/2019 ), I identified multiple charges that I did not authorize from a company called XXXX XXXX XXXX, XXXX NY. Since I was not familiar with this company, I contacted XXXX ( Barclay ) to inquire. On my first call, I asked XXXX ( Barclay ) for contact information for this company, as I could not find an online presence for this company ( they never provided it ). When I reviewed my bills further, I identified a total of 7 charges on two statements for a total of {$4700.00}. This prompted the second call to XXXX to identify it as fraud. Please note some charges were executed on the same day. I was informed by customer service to circle the charges on my statement and fax the statements to the company. This was done promptly. When I called back in about two weeks, I was told they did not have the statements and to refax to a different fax number at the company. I promptly did this as well. When I called to follow up, I was told that my claim was denied. No reason was given. I was told a letter was sent informing me of the denial. I never received a denial letter from XXXX. This is one of multiple occurrences of unethical and unbussinesslike conduct by the bank that I've experienced.

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 2018-11-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was seen at XXXX XXXX medical. For services rendered my insurance company at the time had issued a check XX/XX/XXXX ( See attached document ). XXXX XXXX 's incompetent accounting abilities sent this to a collection agency Wakefeild and Associates. I have made repeated attempts to show a copy of the check to Wakefield ( The attached document ). Wakefield has since reported this to all three credit agencies. I have been able to show to 2 out of the 3 agencies that I was not owed this debt and they have removed it from my account. The reason I have not been able with the third is due to their website failing to upload the document. Today XX/XX/XXXX, I have arrived home and there were court documents on my kitchen table. They are from Wakefield and Associates trying to sue me in court. I have copies of correspondence between the insurance company as well as a copy of the check that XXXX XXXX received that payed off the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening a bank account in XX/XX/2016 and was denied. I was a sophomore in college and had never had an account ; neither credit nor a bank. I do have student loans with NAVIENT, so I called them and they assured me all was current, but I didnt get to the bottom of the problem with BANK OF AMERICA. Today i tried opening checking account again and same thing happened. I looked at my credit report but only thing showing up is Navient accounts. 

I'm afraid that someone must have STOLEN my IDENTITY to open a bank account in the past but it is not showing up on my credit report. 

I am a female aged XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Collection Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from XXXX XXXX with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX XXXX part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.

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 2019-05-23
Company: Square Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sold a phone on XX/XX/XXXX and used cash app to receive the money. On XX/XX/XXXX this person requested a fraudulent refund and they took the money out of my bank account. Ive contacted cash app multiple times and havent received a response on this matter. Ive filed a police report and fraud charges through my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry fromXX/XX/2018 Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry fromXX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018

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 2019-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank involved : HSBC Bank USA, N.A XXXX XXXX XXXX XXXX, NY XXXX  I tried to open HSBC Advanced checking account and was declined stating that they are unable to verify the identity of me.

Then I got report from all 3 credit reporting agency and found that my address, SS #, name, etc.. are perfectly matching and hence I am identifiable. Per the credit agency report, HSBC made enquiry to XXXX and got info which is perfectly identifying me. My credit score is XXXX. On same day I am able to open accounts in other bank. I also uploaded address proof to HSBC bank but still they denied my application. In fact they were able to verify my other bank account also by exchanging few cents for ACH verification before denying my application.

When called HSBC all they can say is " HSBC don't want to do business with me at this time ''.

Company response to consumer: Closed with explanation