BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Radius Global Solutions is a debt collection agency that contacted me by mail on XX/XX/XXXX regarding a debt they stated I owed. I responded to this collections letter via return mail on XX/XX/XXXX, disputing this debt as they provided in their letter. The letter was mailed to their firm on the next day, XX/XX/XXXX. There was no reply received from Radius Global Solutions to my dispute letter. 

However, on XX/XX/XXXX, I received a second collections letter from a second collections agency called XXXX XXXX XXXX. There was no indication in this letter that XXXX XXXX XXXX was aware that this debt was in dispute. In addition, it is possible that Radius Global Solutions has violated the California Fair Credit Collections practices statues by forwarding this debt to a new company subsequent to my written request for more information as to the debt and whether I owed the debt. 

Since I did not receive any proof from Radius Global Solutions, I disregarded the debt and it was not paid. I do not believe Radius Global Solutions had the right to transfer this debt to a new collection agency, as they did not prove that I owe the debt. 

Radius Global Solutions should be held accountable for this possible violation, and the original request should be honored ; in that, Radius Global Solutions should furnish proof that I owe the debt, and if they can not do so, I should no longer be contacted about this debt. 

I feel like I am being scammed by these companies involved.

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 2020-07-15
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
In an attempt to become more financially stable, I am attempting to invest and save. Unfortunately PNC bank has changed and I am now unable to use apps such as XXXX This is extremely disappointing. The inability to control where my funds goes and how I invest. I would love to see this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1. According to XXXX  by XXXX XXXX XXXX, {$2700.00} was pulled from my XXXX  account ( Checking : XXXX ) on XX/XX/XXXX from a company ID XXXX. 

2. I found this company ID is Bank of America. 

3. I didn't authorize this ACH Pull or ACH Push.

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 2018-01-14
Company: American First Finance, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Bread Financial Holdings, Inc.
State: NV
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, On XX/XX/XXXX of 2020 I reached out to Comenity Bank in regards to an inquiry on my XXXX, XXXX and XXXX  reports. First I do not know and never have done business with Comenity Bank. Secondly I never gave this Business any authorization to run my credit. Thirdly upon calling Comentity Bank  and speaking to a Representative who was absolutely no help it was mentioned in the phone call from the Comenity Bank customer service representative that they had no information nor file they could look up to find of me. Not surprising due to the fact I'VE NEVER EVEN HEARD OF THIS BANK PRIOR. I kindly asked the representative if they could send a letter informing the credit bureaus that the inquiry was obviously incorrect and to have it removed. The Representative replied ... " we are not able to formulate a letter stating or requesting a removal ''. So you mean to tell me a company can illegally authorize without consumer consent or signature an inquiry but can't remove it?!?! Least to say I am furious and want this inaccurate and unauthorized hard inquiry removed from my credit within 30 days under FCRA law. Please note that this company has already sent a letter stating they did not have me nor could find me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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 wrote to XXXX XXXX, TransUnion regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still 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 2021-02-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I made a {$170.00} purchase on a website called XXXX. The following day, I looked up the website to check my tracking number and saw that the website was unavailable ( it is still unavailable to this day ). Without a way to cancel my order, I filed a dispute with Citibank to stop the charge. I emailed the merchant and asked where the website had gone and when I did not receive a response, I asked them to cancel my order. The merchant responded back confirming they would issue a refund and cancel the shipment. I have not received my refund. Citibank has denied my dispute despite agreeing with me on the phone when I called. I spoke with a person named XXXX at Citibank who confirmed with me that the email conversation was sufficient enough to resolve this dispute and that she would have the investigators have a look. I have since been told I am still responsible for this charge.

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 2021-10-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello On XX/XX/2021 I payed off the statement of my PayPal Mastercard Cash back ( Syncrhonic Bank ) They took the money from my account on XX/XX/XXXX. 
On XX/XX/XXXX I tried to do a purchase and the credit card didn't work. 
This happened several time before and now I'm really tired this bank took my money and they don't allow me to use it because they said that I can't make payments in the same payment cycle. I'm attaching some pictures.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XX/XX/XXXX I received a credit update on my XXXX XXXX account. I received a hard inquiry from a finance affiliate of XXXX XXXX called XXXX XXXX XXXXk. I inquired with Transunion ( who is the only agency with this reported ) and XXXX XXXX about getting this removed. 

I was later a victim of identity them by a person in Louisiana. They went to two different XXXX  stores in XXXX XXXX and then in XXXX Louisiana to try and get some financing using my identity. Those inquiries were immediately resolved unlike the XXXX XXXX. 

I immediately put a fraud alert on my credit account. 

I filed a police report on XX/XX/XXXX with the XXXX Oklahoma Police Department. Case number XXXX. In early XXXX XXXX XXXX XXXX sent me a package that required me to send proof of Identity and the police report. In later XXXX XXXX XXXX XXXX sent a letter reply confirming the belief that I was a victim of Identity Theft. The letter also said it could take 30-60 days for my credit to update. 

My score did not change after 30 days so I contacted Transunion to confirm that they received a removal request from XXXX XXXX XXXX. They said they did not receive anything. I then contacted XXXX XXXX and they could not confirm that a removal request was sent. So, they sent another one in XXXX. 

I waited 60 days this time and still no change. I contacted XXXX XXXX XXXX and sent them a letter. They received my letter and " expedited my request '' on XX/XX/XXXX and confirmed they they indeed contacted Transunion on XX/XX/XXXX about the removal request. They again stressed that it would take up to 60 days. 

I requested that their fraud department send me the letter so that I could send it to Transunion. They were adamant that they could not send me a letter. 

It is now XX/XX/XXXX, almost 2 months since XXXX XXXX claimed to have sent a removal request to the credit agency. I contacted Transunion 's Fraud department and they still say they have received no such request. They asked that I send the police report, 2 forms of ID, and a letter requesting the removal. I sent the letter with the requested information at 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 explanation
Consumer complaint received 2018-10-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been behind on several payments due to being unable to work and living solely on XXXX pay with my wife and XXXX kids. My wife is my XXXX through the XXXX so she cant work but is a XXXX and has filed as a XXXX through the XXXX. We are waiting on those results. All 3 loan mod payments were made in the month agreed except for XX/XX/XXXX, which was made a day late on XX/XX/XXXX. I spoke with PennyMac about this and was assured everything would be ok. I have also been in contact with a HUD company called XXXX XXXX XXXX XXXX XXXX which tried to send a third party request to stop foreclosure. PennyMac did not. This is my XXXX coordinator in which when she talked with PennyMac was lied to about everything. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX HUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Please note we moved to the XXXX XXXX  XXXX, AZ XXXX ( XXXX ) XXXX Main ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Here is the agreement and PennyMacs own payment statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help. I have a hard time with day to day activities and XXXX kids who depend on me. Finances have recently freed up about {$1200.00} so my mortgage should not be an issue making.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX my insurance Adjuster made 5 payments to my chime account but 2 of the payments was for my boyfriend. So chime sent me a email saying they couldnt deposit the money because he was not on my account. So they only deposited 3 of the 5 which had my name on it. Then on XXXX chime went back in my account and took 2 of the 3 payments they deposited in my account.

2 of the payments was XXXX each and 3 payments of XXXX. 

My adjuster did a void on my boyfriend 2 payments and they bank received those two payments back but the money missing out my account was not returned to the adjuster bank.

Chime banking- XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( my adjuster name is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: GA
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:
Experian reporting inaccurate payment history. This account has never been late. 

XXXX XXXX XXXX  XXXX  Acct 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 2018-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please refer to my CFPB complaint " XXXX '' dated XX/XX/2018. 
Wells Fargo denied me the {$200.00} cash back bonus with the reason that the {$500.00} direct deposit should have happened for 3 consecutive months in the response to that complaint. 

Now please refer to the complaint ( XXXX ) of my spouse " XXXX XXXX '' to CFPB about the same Wells Fargo promotion. He also failed to have {$500.00} direct deposit for 3 consecutive months. But Wells Fargo honored the {$200.00} cash back bonus for him. Why there is a discrimination or different treatment by Wells Fargo for different customers? 

I had 3 direct deposit of {$500.00} during XXXX and XXXX and I have initiated the direct deposit again to this account now. 
Wells Fargo please honor your {$200.00} cash back bonus for me also.You have to treat all your customers equally.

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 2021-01-20
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX at XXXX XXXX Equifax Credit Reporting Agency received my 2nd letter by certified mail requesting verification of accounts on my credit report. I have not received a written response nor is it reporting disputed on all accounts that I've disputed on my credit report. Under the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) the credit reporting agency has thirty ( 30 ) calendar days to complete an investigation. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the attached unverified accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act, specifically 15 USC sections 1681i ( d ) and 1681j, requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. As of XX/XX/XXXX there are requested unverified accounts that are still reporting on my credit file which is well over 30 days from my very first certified letter ... Included in the dispute I stated to Equifax CRA to update/correct my personal information on my credit file, with the correct information that was given. and to please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate ... My personal information was not completely updated as requested in attached letter. The letter was enclosed with the proper identification documents to update my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
After the heater went out, a repairman began unraveling the issue. There are ENORMOUS electrical issues within this vehicle. These would have been easily seen if the vehicle went through a standard inspection. There is a laymans remote starter installed, bare wires and poorly covered working. 
The dealer knew or should have known of this condition. The pressured sales tactics lend me to believe they knew.

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 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a Capital One credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling Capital One they said to contact XXXX  which I did. They notified me that Capital One never responded to dispute so they legally could remove the card. I called Capital One two more times even speaking to supervisor and they confirm responding to XXXX. 
Also XXXX  said to just tell Capital One to report and we will add back. Capital One did report on XX/XX/XXXX and XXXX saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and XXXX  is in no way helping. They are being reported to as other agencies are getting the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, {$3000.00} was taken out of my account and a bounced check fee was put on my account after someone else wrote a check from a different account ( they had a copy of the check ) paid to my name. It said they couldnt locate the account for that check so took the money out of my account ( no account number, birthday, or any information about me other than my name in the TO section of the check was present ). Someone other than me cashed the check and US Bank gave the {$3000.00} in cash to whoever cashed that check, and that person was not me. The signature on the back of the check is not my signature. When I noticed the money missing on XX/XX/2020, my local bank refused to set up an appointment, telling me to schedule one on the phone app. When I tried to schedule one on the app there were no available appointments for me to open new accounts. The fraud department at US Bank froze my accounts per my request and facilitated me opening new ones. When I asked if they had asked for ID before cashing that check I was told they couldnt tell me that and Id need to file a police report for authorities to ask any specific questions. I was told if the fraud department could release any information to police they eventually would and I could get my information from the police. I filled out all required paperwork and an affidavit and sent it to them on XX/XX/2020. On XX/XX/2020 I filed a police report with the sherif and called to check on the status of my claim. The fraud department at US Bank said they hadnt received the email or fax despite me receiving a fax confirmation. I was told to wait another day to see if it was received before they would open a claim. Someone wrote a check to someone else with the same name as me ( it wasnt my check or my account- it was a check written to someone with my first and last name ) and US Bank cashed it. Then when the check didnt clear they arbitrarily took {$3000.00} from my account despite that check having been cashed at a US Bank that wasnt my local bank ( they wont tell me what branch cashed it XXXX and Ive not gone out of town at all. On the date in question I purchased lunch where I live with my debit card using my PIN number showing I was physically in a different location than where the check was cashed.

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 2018-11-13
Company: EQUIFAX, INC.
State: NH
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 information is incorrect : XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment on XX/XX/XXXX and freedom mortgage didnt post the payment till XX/XX/XXXX and they also charged me a property inspection fee, they claim this was done because the account was 30 days late, it was not paid thirty days late and I explained that and they are billing for this service which should not have been done, I need to get a new servicer from the fha freedom mortgage is not a good servicer

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 2018-04-26
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: Account information incorrect

Complaint:
Inaccurate information added without having factual evidence or failing to recieve 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 explanation