BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Popular Bank checking account online over a month ago. I received a packet of information in the mail, including a questionnaire and a signature card along with a return envelope. I filled out the required paperwork in full and sent the envelope back. I waited a week and called Popular Bank to see if the paperwork had been received. On the call Popular Bank transferred me to the online account department. The person I spoke to in the online account department initially told me that she had received the paperwork and started reading information off of the paperwork, only to find that she was reading me private information from a third party and not information from my account. She then told me that she had not received my paperwork yet. I called three more times over the course of two weeks and each time I was put on hold for an extended period of time and was not able to reach an agent who can help me. On XX/XX/2018 I made a mobile deposit for a cashier 's check. I received an email from Popular Bank saying the deposit had been approved. I tried to login to my Popular Bank online banking and was locked out. I called the customer service number and was told that I needed to speak to the online account department. I was put on hold and nobody picked up, after 45 minutes I hung up. I called a branch and spoke with a supervisor who called the online department. The online department told him that my account was restricted for suspicious activity. They told him I would need to go into a branch. He then said " why did you open your account online? Why didn't you just open it in the branch ''? There has been no activity since the XXXX of this month. Today is XX/XX/XXXX. The branch supervisor told me I would need to talk to the online account department and transferred 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 2019-11-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was on the phone with equifax on the XXXX of XXXX for 3 hours because something in my credit account was incorrect. 3 hours later i came to the conclusion that my date of birth was incorrect. since i turned XXXX i havent seemed to be able to establish credit or get a credit car because someone put in the wrong date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This bank doesnt care for my or my concerns Im XXXX XXXX XXXX and they give me a hard time their customer service refuses to speak to me and says my phone is not verifiable and always want me to go to a branch when I cant walk these people Dont care that Im XXXX and refuse to take care of my concerns over the phone they contact me and insist that I go to a branch to activate a debit card something unbelievable they give me a hard time even when they call me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2018 I contacted XXXX XXXX XXXX Services in regards to incorrect information being reported to my credit report. On XX/XX/2018 I opened an account with XXXX XXXX which XXXX is the finance company. I submitted my state issued drivers licence. I was instructed that the bill will be in the mail with the scheduled payment and due date. I waited for about 40 days before I contacted XXXX which I was instructed to contact XXXX. Upon contacting XXXX they informed me that the billing address was incorrect, XXXX XXXX XXXX XXXX when in fact the correct address is XXXX XXXX XXXX XXXX. They said that they will correct the error. I went ahead and paid off the account. XXXX even implemented two late fees which I paid. I reviewed my credit report I noticed that a 30 and 60 day late payment was reported which dropped my scores close to 100 pt. I tried to explain to supervisor XXXX ID XXXX that it was their mistake and that its on the face of the record. She stated that they report what true and correct. I explained that based on that statement Genesis is in violation of the FCRA because upon them reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX when the Drivers License provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I asked her to assist me in correcting their error that the late payments that they are reporting was a result of their error for mailing the billing statement to the wrong address. I refused and would not even offer to reimburse me for the late fees accessed to the account. At that point I informed her that I will be filing a compliant with the CFPB and terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 keep having someone applying for credit in my name without my consent. I've had to file another FTC report to try and get these inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity 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 explanation
Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Wells Fargo Dealer Services Re. Account # XXXX XXXX XXXX XXXX To whom it my concern I am writing in regard to the above referenced accounts and transactions. 

This vehicle was repossessed by Wells Fargo Dealer Services in the State of Illinois on or about, XX/XX/XXXX and resold on or about unknown date not provided to me Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

Sincerely, 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 2022-01-13
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have asked for proof of that this is my debt they have not provided, they have garnished my wages. 
I have provided them proof I was a victim of id theft & disputed as them told me to do. 
Their finding was that there records is accurate. They still dnt provide me proof that its my debt this seems very criminal. This is in violation of my right according to the Fair debt act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : 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 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 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 2023-04-19
Company: WELLS FARGO & COMPANY
State: IL
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:
Wells Fargo won't stop harassing me about fraudulent charges on my account ending n XXXX. They claim the charges are valid but at the same time say they are not insinuating I made a false fraud claim or false police report. Well not sure how else I can take it. They also say it is unlikely that a fraudster would make charges in a similar area as another fraud claim I made. Fraudsters will commit fraud where they have been able to do in the past. 

I can not drive due to eye issues caused by XXXXXXXX XXXX so I could not possibly drive to the location in question which they claim is 16 miles from where I live. I have filed for XXXX because of this XXXX and attached the paperwork I had to fill out for my XXXX  claim. I ca n't drive, no one drove me to the location. The fraud occurred during the day and my husband is not home he is at work so he could not have driven me. 

I nor anyone else known to me made these fraudulent charges. I can't afford to pay for something I did not buy. I am a XXXX XXXX XXXX and never shop at extravagant places like XXXX XXXX. My budget is limited. I've even resorted to having my husband take me to the XXXX XXXX XXXX XXXX to get free food. 

Wells Fargo keeps saying the same thing when I file a complaint - charges are valid and they are not and they are not insinuating that I made a false fraud claim or false police report. In reality they are accusing me of making a false fraud claim and false police report - otherwise how could they continue to say the charges are valid.

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 2018-07-24
Company: CFM Group LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company I work for is involved in a bill dispute. The bill was referred to CFM Group. I get repeated calls on my personal cell phone for payment of this bill. I have tried to explain that the bill is being disputed and the person on the phone yells at me to pay my bills. I have tried telling them that I don't owe any money and I would like to speak with a supervisor. I get told that supervisors don't speak to dead beats who don't pay their bills. I have asked for my personal cell phone to be removed from their call list and I am told it will be when I pay the bill. My cell phone gets called repeatedly when I hang up on the lady calling. If I answer again I am yelled at to pay my bills. This company refuses to listen to me that I, personally, am not rresponsible for this bill and I get harrassed over it. I have finally tried blocking the number that calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I reported to Experian that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.

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 2022-01-13
Company: Square Inc
State: CA
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:
Cash App ( Square Inc. ) are refusing to response about a chargeback request on a transaction after a month. 

XX/XX/XXXX I paid {$80.00} using the card to a seller who then immediately deleted their webpage and never provided the order. 

XX/XX/XXXX I reported this on Cash App using the " Dispute a transaction '' option. I was told I would be contacted by email. One month later I have not been contacted and nothing is in spam folder. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 

XX/XX/XXXX I contacted Support and they told me the case ID XXXX had been escalated and someone would be in touch very soon. Nobody has been in touch. 


It has now been one month and I believe Cash/Square are intentionally avoiding chargeback claims so that they keep the commission on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: SYNCHRONY FINANCIAL
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need a care credit loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused

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 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I filed a claim on XX/XX/2022 {$310.00} Someone has been doing on my card since XXXX and I did another claim on XX/XX/2022 {$3000.00} The told me I received the money to my account and that's not true.I send in my bank statement for the of XXXX and a police report I didn't receive the money

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 2018-08-08
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi - I have a mortgage loan ( for $ XXXX ) with XXXX XXXX which I was making payment on time via auto pay. Got a " loan transfer '' notice from Flagstar Bank stating that the loan has been transferred to them by XXXX XXXX as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. However, I did not receive a 'payoff ' or 'loan transfer ' statement from XXXXXXXX XXXX  and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and XXXX is saying they did not transfer the loan and Flagstar is saying they have my loan now and I owe payment to both the banks. So right now, this loan is claimed by two banks ( XXXX and Flagstar ) demanding me to make two mortgage payments on 1 loan.

I asked Flagstar for showing me a transfer letter from XXXX but they wont send it to me. Also, I dont have a new mortgage note from Flagstar which shows legally that they have a loan on the house. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. Best, 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was retired 10 disputes incomplete. Credit bureau could not have validated any of the factual incorrect items disputed. Some companies were listed up to three times with the same account number. I requested physical proof as well. A replica of the sent dispute is attached herein. And I don't feel I honestly need to provide any more proof. If anyone looked at the report they would see two or three companies with the same numbers dates without even going into detail for other factual information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX At Wells Fargo, I have had account since year XXXX. Wells Fargo is constantly making account " Dormant '' starting XXXX suddenly. I did not agree to such terms and conditions. They need activity and deposits account every month. I have verbally and in writing notified them that i do NOT agree and i never did agree to such terms when i opened account in year 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