BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I received UI payment to a debit card called, Georgia Way to go Program card. I need to transfer the funds from the debit card to my bank. I did this in XXXX, with no problems. There is no longer the transfer funds option online and that is not ok. Their Terms of Use document explains that I can transfer funds to my bank account for a {$1.00} fee and to call their customer service line at XXXX. The number is all automated and can not get through to an actual customer service representative. They also do not have an automated option for transferring the funds. In addition, the terms of use documents explains that I can use a " fee free '' ATM of theirs with their MasterCard logo and XXXX logo. However, it also says those ATMs will incur a fee. So they are saying 2 totally different and contradicting things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello back in 2019 I submitted identity theft report in 2019, I had my identity and info compromised not once but twice but twice when the XXXX breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout covid, I am a XXXX XXXX worker a XXXX, I am one of the backbones of this country fighting this war, and I have gotten no respect, from anyone, this has brought me to XXXX new XXXX, I have documented proof of my depleting, mental health!!! filed two police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!

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 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a fraud case with Bank of america because money was stolen from me. XXXX2020 XXXX was taken XXXX2020 XXXX was taken. XXXX2020 XXXX was taken. I was on hold for hours numerous times. I have talked to many representatives over the phone. I received a letter saying claim was denied because it was my fault money was taken. I didn't take this money outta my account. So I called again and the rep told that the computer automatically sends that letter out. They said that they would reopen my claim. They also told that they didn't know when my money would be put back in my account. This debit card is my unemployment benefits. I received a new card and I am still waiting for my funds to be put back. Now I tried to use my card today at the bank atm and it would not let me take any money out stating technical issues. I called them again. They told me the edd closed my account and I would have contact unemployment. I called edd and they said they didn't close my account. They told me that they would send an email and I should be able to access my funds next week. How can the bank not pay me what was stolen and then close my account with money still in it? Please help. 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 explanation
Consumer complaint received 2018-11-15
Company: Webcollex, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX at XXXX someone from XXXX called to discuss a debt that was sold to them from XXXX XXXX. I spoke with the young lady and verified the information. I asked her to cease calls and to communicate through mail only. She commenced to rebuttal that she couldnt send anything else through mail because I havent responded to previous mail that has been sent. I asked her to verify the address on file. She refused and abruptly hung up in my face. Today XX/XX/XXXX at XXXX another person from the same company called me again after asking them NOT to call and cease calls yesterday the agent began to argue with me telling me they dont cease calls and hung up abruptly. This is harassment and a violation of the request to cease and communicate through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX I've never made a late payment XXXX This isn't my account XXXX XXXX I've never had a charge-off with them. They said the credit bureau have to fix it. Transunion have yet to fix it. 

XXXX XXXX This isn't my account As far as the inquiries, they are not authorized which is a fraudulent act. Please delete! 

I reported these accounts as Fraud through the FTC. 
My rights under the Fair Credit Act were violated. I have the right to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am a person not a third party, and i am a victim of identity theft. this is my second request to Experian

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 2023-05-12
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 I noticed my mortgage payment went from {$540.00} to {$1900.00}. I called them to find out why and was informed that my property taxes increased. I called the state, who informed me that the mortgage company made a mistake and charged me too much. I sent the tax information to my mortgage bank and was told they would run a new analysis. I called back multiple times and was told they havent gotten to it yet. XXXX XXXX of 2022 the bank called me to tell me they had made a mistake and my payment would drop back to {$590.00} but not until XX/XX/2022 and I was responsible to pay the higher payment and back payments. They chose to enroll me into their loss mitigation program but sent the forms without my knowledge while I am away from home for work. They would not send new forms where Im stationed for work and decided to stop the loss mitigation program for me. They have admitted to fault but are still charging me {$1900.00} and have destroyed my credit. This is a loan with XXXX XXXX, I have spoke with them on numerous occasions with them telling me there is nothing they can do and I just have to deal with it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: WELLS FARGO & COMPANY
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
XX/XX/19 - A charge for {$11.00} instead appeared as {$110.00} on my credit card statement. 
XX/XX/19 - I filed a dispute expecting a quick resolution especially after providing them the receipt showing the actual charged amount. They refused to correct it. 
XX/XX/19 - I contacted the vendor who immediately refunded the {$99.00} overcharge and sent me verification. Wells Fargo never posted the refund. 
XX/XX/19 - Extremely unpleasant conversation with supervisor XXXX who appears to think feels that Wells Fargo can not be held accountable. It was the worst customer service experience I've ever experienced with any bank. 
XX/XX/19 - I sent them the vendor 's verification and they instead added an ADDITIONAL {$99.00}. It has been months and this is still unresolved.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I included it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2023-05-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 a friend of mine send me {$100.00} thru XXXX by accident, I called and asked him why he was sending me the money, he said it was not meant for me, it was meant for someone else, so I sent the {$100.00} back on the spot, they stood as pending on my banks side and posted the following day causing my account to be overdrafts and being charged a {$36.00} overdraft fee, I have requested the bank to refund the fee but they said no, and now they are charging me an extended fee, which is another {$36.00} dollar, so in total I have been charged {$72.00}, this happened with SunTrust bank, now Truist.

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 2020-07-16
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent in doucmentation to remove the fraud alert and security freeze off my report Equifax refused to remove the fraud alert and security freeze I am being denied credit because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Chime Financial Inc
State: MA
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/2023 I was alerted via email that there had been an account opened in my name at Chime bank. I immediately called them, reported fraud, and the account was closed. While I was on the phone with them someone attempted to open a XXXX XXXX  credit card with a {$200.00} limit under my name as well, this account was also immediately closed. 
They also advised me to file a report with identitytheft.gov, which I did. 

The reason I'm filing this report is because this was not an isolated incident, the same thing happened to my sister and this has happened to dozens of other that I have connected with on XXXX. I believe this is not the work of a few random individuals but a larger issue with Chime itself. Either a weakness in their account opening checks and balances, or a malicious purposeful fraud done by the company in order to boost their account numbers or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 explanation
Consumer complaint received 2020-04-22
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I received notice from my homeowner 's insurance agent that my homeowner 's policy had not yet been paid and would lapse if not paid in full ahead of the expiration date, XX/XX/XXXX. She also informed me that, were the policy to lapse, I would be unable to obtain the same rate or coverage under a new policy. 

I called my mortgage servicer, Dovenmuehle, that same day to inquire about the issue. A customer service representative said that Dovenmuehle had sent a check to the insurance company already. She said that Dovenmuehle would not send another check until it tracked down the first check to see whether it had been cashed. She said that process, checking on the check, would take five business days. I informed her that the policy would lapse before then and asked her to contact the insurance company to work out the issue. She refused, saying that Dovenmuehle satisfied its only obligation by sending the check and would not do anything more until the results of the inquiry on that check.

Because waiting on Dovenmuehle would have meant the expiration of my insurance policy, I paid the premium myself on XX/XX/XXXX. 

On XX/XX/XXXX, I learned from my insurance agent that Dovenmuehle had sent a bulk check, that is, a check containing premium payments for more than one policy, and that the insurance company did not accept bulk payments. I contacted Dovenmuehle to inquire about obtaining a refund from my escrow account and ensuring that such issues do not take place again. The customer service agent and supervisor informed me that the results of the inquiry on the first check arrived XX/XX/XXXX ( two days after the policy would have expired ). They said that Dovenmuehle should not have done anything different in the situation, that it satisfied its obligation by sending the first check and that it could not have acted further until the results of the check inquiry came back. I reiterated that the policy would have expired had I not intervened. They had no answer for how the company would ensure that this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  Account name : XXXX  XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland funding has tried to contact me numerous time after I told them to stop. I received a mail numerous times from them trying to settle a debt they claim I owe them. i have never signed any contract with them and if they indeed purchased a debt for pennies on a dollar, that's their problem. I specifically stated that if I owe them a debt to send the debt to the courts. I have not received anything from the courts, therefore ; I should not be receiving harassing and threatening phone calls. The representatives are rude and they speak with you any kind of way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: SYNCHRONY FINANCIAL
State: TX
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:
I tried send u claims about this debt and it seem that anything is not done about it, mean time my credit is ruin and I cant get anything. The name is syncs Sams club their in CA. According to them I owe them XXXX its not true this debt is not mine I want it off or else Im suing. This bank was doing fraud with lots of people they caught them and they sold it to XXXX  XXXX. So, now I owe XXXX XXXX for this card that I bet applied. They are in a law suit now, now Im owing it. Take this off my credit please

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 2023-07-15
Company: Go Companies, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid the XXXX XXXX. 
I met with a XXXX XXXX. 
They approved my mortgage. 
Friends and Family here told me that it is very weird that they would request a divorce decree from 2007. Someone told me that is private and none of their business. 
Someone stole from my bank account this month and it doesn't say who stole the money from me. 
I got very upset. 
I was suppose to close on a house on the XXXX of XXXX. 
They never tore down the garage that they said needed to be torn down in order for me to close. 
The XXXX XXXX XXXX told me they weren't going to start it until next weekend. 
XXXX XXXX told me the re appraisal needs to be done on the XXXX if you are going to close on the XXXX. That would mean that the garage needs to be finished by the XXXX of XXXX and it won't be. This is very unfair and mean.

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