BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: Comerica
State: CA
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:
On XX/XX/XXXX I was fraudulently charged with a bank transfer to an account in my name I did not open. I called my bank, Comerica aka Direct Express, to let them know. Instead of them realizing that my online banking was set up and taken over by someone I don't know, they only canceled and sent out a new card. When I received my next monthly XXXX payment this same person again, took the rest of the money from my account, on XX/XX/XXXX. I called my bank again and talked to a smarter Rep who realized the problem was much bigger than sending out a new card. I was told I needed to fill out a form within 10 days but I did not receive that form in the mail until after they asked me to send it in. When the second transaction happened they told me I could fill out both dates on the same paperwork and was promised by a supervisor that I would be receiving the provisional credit for the 2nd transaction. I sent it in that day and that was a terrible mistake, I wish I had done it on 2 forms. They have completely denied any provisional credit, even though I was told I would receive one by a supervisor on the XXXX. After 10 business days ( XX/XX/XXXX ) they emailed me telling me I was denied. So I called in Friday, XX/XX/XXXX, and everyday until today, Wednesday, XX/XX/XXXX because they didn't see on their end we were being denied. All of the supervisors I spoke with made it sound like they were trying to find out why we were denied for a provisional credit on XX/XX/XXXX because I didn't send in the paperwork by XX/XX/XXXX. Do they expect me to go back in time to fill out paperwork for a transaction that hadn't happened yet? I didn't receive the form in the mail by that date and still have never received the other form they automatically sent out from the 2nd transaction. Now they are saying they are making me wait past the 45 legally allotted days to return those funds to me. They are not following the law. I have filed a complaint with the Federal Reserve and now I am filing a complaint here. This company directly deals with accounts of those on federal programs. So they are making XXXX people jump through extreme hoops, to never receive their money. I read many articles online about how they make people wait months to return funds. I can not wait that long as they are holding onto {$890.00} of mine and have been going without groceries or paying bills. I would like for them to lose their contract so other XXXX people don't get XXXX XXXX  by this company. They are a disgraceful company. I wish I could switch to a different account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CORELOGIC 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:
There is a credit pull being shown on XXXX that was not authorized by 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 2019-10-23
Company: Resource Management Group
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received phone calls from a debt collector called Resource Management Group. They claim I owe a debt from XXXX, but they refuse to send me a debt validation letter claiming they don't have to that they are a third party but will give me dates over the phone. I sent a certified letter to them on XX/XX/XXXX asking for the information and they have refused to pick it up from the post office. They laughed at me when I said the statue of limitations was up and that they were violating Consumer Financial Protectin laws and asked if I had just XXXX that. On XX/XX/XXXX and XX/XX/XXXX they have called me twice in one day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2018-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the XXXX  XXXX XXXX account of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since 2015, I've had two 3-year leases with XXXX for XXXX XXXX XXXX XXXX XXXX Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that XXXX XXXX wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

XXXX XXXX isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which XXXX literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from XXXX XXXX, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with XXXX XXXX, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company. 

Thank you! 

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 2021-03-05
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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel bullied by the bureaus by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach may have got into the hands of the wrong person. I am pleading for help at this point.

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 2018-04-24
Company: Merchants' Credit Guide Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I never received any notice or anything in mail on this from Merchants credit guide

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
There was a purchase for a {$20.00} shirt via XXXX and my debt card. The subtraction came on my account on XX/XX/XXXX. For the amount of {$210.00}. A adustment was imediately filed with my bank and yet there is still no return of my funds that were overcharged. I was told in a letter from the adjustments department that I would be notified of their decision as ofXX/XX/XXXXXX/XX/XXXX. I heard nothing from them and when calls are made to the bank the response is that they are still trying to reach the vender. I am told by the Ct. Attourney Generals office that after 45 days from my complaint a charge back should have been made to the vender or his XXXX companys account and my funds returned. However there has been no such action and my bank tells me that if and when they recieve the funds back then and only then will I be reimbursed. I am filing this compaint to try to get my fund returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I obtained my loans while I was a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was paying them back, but then in XX/XX/XXXX I was convicted of a XXXX. I lost my job and many sources of income. For the next 14 years, Sallie Mae ( now Navient ) gave me forbearance after forbearance knowing full well that I would never be able to pay them back. I even told one of the representatives that I knew what they were doing ... they were giving me forbearance 's so they could stick many more late fees, penalties and more, on me for the taxpayers to pay when they finally couldn't do it anymore. My other loan from HEAL was taken to court and they obtained a judgement against me ... this was back in XX/XX/XXXX. 
I just wanted you to know, because I saw that you are suing Navient for doing this same thing to me. I am a victim in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened account properly with banker at branch, and were signed under their ads. I was requested to have more than 3 bill pays, mobile payment and e-statement to get total of XXXX  bonus. 

After I finish the requirement, they gave me XXXX bonus instead of XXXX they agree with. I've contacted over the phone and send secure messages, they confirmed I met all requirements but they told me I just have to wait, since the term said the bonus may posted up to 60 days. 

I have to wait as it suggested, now it turns out they did not honour the bonus as they promised over the phone, instead they closed my checking account, even there is still a balance of XXXX.on it. Before they close my account, they did not send me letter to sign and currently I have no idea where is the rest of my money are. I called their customer service and send secure message to them, neither of them are helping me but asked me to go to and only go to the branch where I opened my account, given the fact they have so many branches but they specifically requested I have to go to that only one account, that is annoying and really make me sad. 

As a XXXX, it would be really hard for me at this term to reach to them physically in the branch, so I tried call them and they said they could not help me unless I am in the branch. And even they could help me with my account, since the account was closed, they would not going to give me the rest of bonus money. I am really frustrated, I feel very bad about how they handle the case and kick me off from one stop to another, but eventually they ate up their words, not honour the term of the paper said. I have a clean record on XXXX on my banking side, I do not understand why they are doing it. It did say I have to have the account when the bonus arrived, but I did not close myself and I do have a positive balance, so I do not think they should close my account use that to term to against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts and Inquiry. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Inquiry Date XX/XX/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 2021-07-19
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was contacted by XXXX  XXXX XXXX ( with Drive-thru ATM ) informing me of withdrawals and deposits under my name. Not having an account with them, I was told the account would be closed and told to call a number, XXXX and told to call what I was led to believe was Zelle services. 

Their representative lured me into sending money under the guise it was a transaction code meant to cancel any transactions with them and to inform my bank of any potential problems. So they told me to input a code using the number XXXX and to the recipient XXXX. They informed me it would send an alert or email to my registered email or phone number with my bank. Of which nothing happened. They then informed me to do so again with what I thought was another code XXXX also to the the same recipient. They told me no money would be transferred and it was a formality. The name under enrolled was " XXXX XXXX '' and when asked who that was, I was lied to and told that was an accountant with that account. In Zelle, there were no confirmations but when performing both of these actions, it prompted a different type of confirmation from my debit/banking service requesting my PIN which has never happened before when using Zelle, further confusing and leading me to believe in what was happening as a legit process/formality. 

Looking at the pending transactions initially at XXXX instead of the numbers requested I assumed it was harmless until I look at the actions completed and the amounts of the numbers input XXXX + XXXX totaling {$1900.00} was withdrawn from my checking account. They informed me they would call back because it seemed like a technical error at which point I realized I had just been scammed. Calling back the respective number I had just called only confirmed, I had been scammed/tricked and that the number I called at the behest of somebody pretending to be from XXXX XXXX  XXXX ( with Drive-thru ATM ) and then pretending to be from Zelle were indeed fraudulent scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-01-30
Company: Paypal Holdings, Inc
State: AL
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:
Account was opened in XXXX of XXXX. 
Had a balance high of {$2500.00} Has a current balance of {$1900.00}. 
Last payment was made in XXXX of XXXX from an unknown to me source. 
In XXXX of XXXX I worked with PayPal. Not PayPal MasterCard as they have offered no help. PayPal determined my account was hacked, multiple payment transactions and requests in XXXX of XXXX and early XX/XX/XXXX XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX XXXX {$77.00} And others were made from and to this email address. XXXX. From this PayPal MasterCard PayPal reversed them due to finding them being of fraud. 
I spoke with PayPal MasterCard in/around XXXX XXXX and was informed that payments had been made to this account from a debit card ending in XXXX. This does not nor has not ever belong to my husband or myself. PayPal MasterCard refused to look into the ownership of the card or account that made these payments. PayPal MasterCard was provided this email address and within less that 24 business hours after being provided with it closed a fraud case not even investigating this email address. 
Ive never provided identification such as a copy/photo of my id, social security card etc to prove that I even applied for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company is adding incorrect interest to my debt, per court order they are not allowed to. I have requested debt verification information more than once and did not receive a response. I have been making payments of $ 25 monthly since XX/XX/XXXX2022, I missed XX/XX/XXXX22 and XX/XX/XXXX22 payment due to XXXX. I called the company due to my bank account being garnished. There was no contract that I signed. They refused all offers I made to make payments. I have been out of work the entire time. This company is adding daily interest not annum interest, which caused my debt to increase substantially. I have requested verification or my payments and certified letters mailed white no response. I have been paying monthly under NO agreement with this company. They stated since I missed 2 payments they garnished my mothers bank account that I am on to pay her bills. She is elderly and XXXX. They used a portion of he social security check to pay on my balance.

Company response to consumer: Closed with explanation