BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was the subject of accounts being opened fraudulently in my name. One savings and one checking account were opened on XX/XX/2020 at Wells Fargo Online. I am writing to complain because Wells did not require proper identification, no picture ID was required and Wells did not verify the information with me. Instead I received a letter stating congratulations on opening your new accounts. They did cancel the accounts after I called and complained. However these accounts should not have been opened without proper ID. Wells was derelict in this regard.

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 2020-06-25
Company: Utah System of Higher Education
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2020, UHEAA that administers my student loan sent me an email telling me that my state-New York was declared a disaster region and that I qualify for loan forbearance without interest accruing during the forbearance period. I accepted the loan forbearance program which was to end in XXXX. 
On XX/XX/XXXX, UHEAA sent me another mail reminding me that the forbearance period is coming to an end in XXXX. 
I logged into my account to see when in XXXX I would start making payment. On my account, I noticed it has an outstanding interest of {$110.00} for the period of the forbearance. The forbearance was a federal initiative to help loan holders during the disaster period. 
1. The are contravening the federal guidelines on this program. 
2. I was told by a member of their staff that interest on my loan would not accrue. 
I want relief based on the above summary. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

XXXX  : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  : XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/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 2020-05-10
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: Old information reappears or never goes away

Complaint:
Inaccurate information on my credit report. Please update your records.

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 2018-06-08
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello. I purchased an item from a merchant using an AMEX Serve prepaid card. The item arrives faulty merchant declined to accept return. I startes a dispute, while dispute was pending i called AMEX to check status at which a representative told me claim was approved and merchant would refund. I asked what i could do with item she said anything i want since merchant agreed to refund i gave item away. Next week i get email saying dispute was closed in merchant 's favor. So im stuck with no refund and no item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Security Credit Services, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Security credit services continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But Security credit services refuse to provide and it continues to get verify on my credit report as accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, after having been instructed by XXXX XXXX XXXX to remove 2 inquiries, from dates XX/XX/XXXX and XX/XX/XXXX, which were not authorized by me. Experian takes one off my credit report the second one absurdly, and in a questionable way leaving the first inquiry from XX/XX/XXXX. 

Attached you will find the letter that XXXX XXXX XXXX sent on XX/XX/XXXX to me and the CFPB. 

Please order Experian to take the inquiry, as ordered by XXXX, and issue any applicable santions to Experian in place, not excluding the economic compensation, that CFPB considers applicable.

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 2020-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Old information reappears or never goes away

Complaint:
See prior recent complaint regarding my issues with USAA. Inconsistent and inaccurate credit reporting that is bringing my credit score down that is beyond the date of ( 7 year negative ) reporting. I disagree with the information the company provided in their last response as it is inconsistent and inaccurate. I was separated in XXXX ; later divorced in mid XXXX. These two accounts had been closed in XXXX. My ex later filed bankruptcy in XX/XX/XXXX, USAA then charged off the owed debts. USAA claims the delinquency began in XXXX XXXX which is incorrect. The debt had already been written off by then. Just recently, XXXX/XX/XX/XXXX - USAA began reporting late payments on my credit report bringing my score down 200 points. In addition, they added balances back onto the accounts ( that they charged off previously ), that increased my credit utilization ratio to over 51 %. This type of unethical reporting is hurting my credit score and my name. I'm now XXXX years old and XXXX. This company is causing me undue harm and stress ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has put " limitations '' my account and is preventing me access to my funds without cause. 
Upon request to close my account and claim my funds they declined saying the limitations essentially lock my account. 
I was informed I did not do anything wrong and did not breach any PayPal policies. Im being penalized for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call on XX/XX/17 at XXXX XXXX  EST from XXXX. The person identified themselves as XXXX and they were calling from IQ Data International. XXXX did not read me my Miranda Rights nor inform me the call was being records so I was oblivious to the nature of the call. When I began questioning what the call was in regards to, XXXX was short with me, cut me off, spoke over me and had a hard time answering simple questions. Again, had my Miranda Rights been read, I would've believed the validity of the call and understood it was a collection 's call. When I began explaining I needed to first verify his claims, XXXX was aggressive and engaged in predatory collection 's tactics. In an attempt to convince me he was legitimate, he read aloud the last 4 numbers of my SSN - anyone sitting near him could've heard this information. When I later called back the company, the agent who answered refused to transfer me to a XXXX and would only connect me with XXXX, despite my explicit request to speak to anyone besides XXXX. This company has representatives actively engaging in predatory collection tactics, but who are also unable to remember something as simple as reading Miranda Rights and informing a VA caller that they are on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: U.S. BANCORP
State: OH
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:
On XX/XX/2020, I receive an unsolicited Visa debit card from U.S. Bank Reliacard , which lists its address as Cardholder Services, XXXX. XXXX XXXX, XXXX, IN XXXX. I tried to reach the issuer using its phone number but was unable to connect with a representative because the line was limited to digital responses. This is the second such unsolicited card received within the past two months, the other being from XXXX, which I understand is a XXXX affiliate. 

I have written U.S. Bank Reliacard to have the card cancelled and to inform it of the fraudulent issuance. My complaint is that issuers like U.S. Bank Reliacard fail to take appropriate steps to assure that such cards  are not issued at the request of fraudsters who then use the accounts for fraudulent purposes.

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 2022-08-10
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-07-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Citicard account 2 months ago. At that time, I paid the bill off in full. When I called Citi, I got a final amount of all charges, which I paid. I closed 2 other credit cards at that time, paid them off in full with the help of a loan from my parents, and I am now on the XXXX XXXX plan -- not using any credit cards, and paying off the debt amount to my parents at a lower interest rate. 

Citi did not close the account ; they charged me an additional XXXX cents - yes, less than a dollar -- for interest. 

Now, they are billing me for {$82.00} -- the XXXX cents, plus 2 billing late fees. I called them, and they will not waive the late fees. 

I am happy to pay the XXXX cents to Citi. I will not contest that despite the fact that the amount I paid was supposed to be final. But I refuse to pay the {$82.00} in late fees. 

Do I have any recourse? This is extortion.

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 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 had my identity stolen. I have reported it to The Federal Trade Commission and made a report. I have notified the 3 credit reporting bureaus ( XXXX XXXX XXXX XXXX ) and they send it back as valid. I have notified them that this was a case of identity theft and to report this information from my credit reports and I have also notified Kohl 's / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Real Time Group, Inc.
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed on in XX/XX/2011 with XXXX XXXX XXXX having first mortgage and they also had a second. 
The foreclosure was a non judgement and the second was sold off to Real Time Resolutions, amount owed XXXX. I have verbally warned them for years do not contact me pursuit to section 805 of the FTC collection act via telephone however I will correspond via mail. However, they continue to call. Everytime I get a new number, or at mothers land line, they call. And I tell them again.or sign up for the DNC registry. Today they called three times in a row after I warned them. They have threatened me with garnishments, all types of ways to scare me into paying this debt. I am on XXXX  XXXX with zero assets. I have had enough of their calls and flagrant disregard for my FTC warning. XXXX XXXX is the other that also calls without regard to my FTC warning. They are from overseas and call without care or regard. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a simple customer who is now unable to access my funds because BBVA USA botched the transfer. Ive been locked out of my account since XXXX  evening without the ability to transfer my funds. I called and all I got was an automated message saying theyre giving technical issues but wont give a estimate on how long well have to wait for a fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, XXXX AND EXPERICAN UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND 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 2018-06-07
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company contacted me and stated that I owed a debt. I informed the representative that wasnt true and asked for them to send me validation that this debt exist and where these numbers were coming from to collect this debt. The representative told me it doesnt matter because Im still going to pay them. I asked the representative did he have any proof of these charges and he stated no. This company is using illegal collection tactics and threatening to ruin my credit and force me to pay a debt that I do not owe. I request this company to provide me valid documentation of said charges and if they continue to refuse then I request this company to cease and desist all further collection activity. Do not contact me by phone and I request all documentation to mailed to as proof of effective communication. I do not owe them over {$4400.00} and I request this company to stop threatening to damage my credit. Provide valid proof of requested information or cease and desist all collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Bank of America on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to company requesting verification of debt. I was sent a form that looks like a bill, but the bill was in my maiden name and the bill had no date or signature from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a Wells Fargo Secure Card account open up in XXXX I went through a Financial Hardship loss my job and miss two payments in XX/XX/XXXX and XX/XX/XXXX. It would help me immensely if I could have the two late payments removed thats affecting 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