BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: GA
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 have reported the following accounts to Experian as disputed and inaccurate Ars # XXXX No Contract- No Verification or Validation of debt amount- No proof that XXXX owns or has a right to collect anything on this account XXXX XXXX # XXXX No contract- No debt verification of Collection amount listed- No proof of ownership or right to collect debt XXXX  XXXX # XXXX No contract - No debt verification or Validation of amount listed- No proof of debt XXXX XXXX # XXXX No contract- No debt validation or verification of debt amount- No proof of debt amount in collection I have enclosed documents showing that these accounts are being reported inaccurately and should be deleted. I have filed complaints with the Consumer Federal Protection Bureau concerning these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: DISCOVER BANK
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Between XX/XX/2019 and XX/XX/XXXX, I received XXXX phone calls from Discover Card 's Utah call center, with as many as XXXX phone calls on Wednesday, XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX and communicated the situation, namely that the account in question is in dispute, yet I still received over a dozen unwanted phone calls. 

Accordingly, I sent a Cease and Desist letter to discontinue phone contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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 status incorrect

Complaint:
XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to equifax and XXXX currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my equifax report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: CA
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:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Account information incorrect

Complaint:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.

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 2022-04-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 - 4 XXXX transactions were made each for {XXXX}. one transaction of {XXXX} was sent to a close friend without my permission. I received that {XXXX} back from him. The other {XXXX} was sent to an unknown person. 3 separate transactions of {XXXX}. 
XX/XX/2022 - The day I was notified by my friend that he received that amount of {XXXX}. This is when I contacted Wells Fargo. I placed a fraud claim with Wells Fargo. 
XX/XX/2022 - I received a letter from XXXX denying my claim. Stating " We have determined that the transactions were made by you, or someone who had your authorization. '' XX/XX/2022 - I appealed this claim and asked for all investigative information as to why it was denied. 
XX/XX/2022 - I received my Right to documentation Package. All that it includes is " Account login history showing the customer 's geographical location when login was completed, IP address and other identifying electronic device details. '' and the claim denial letter stating " Claim denial was due no evidence supporting unauthorized transactions. '' Wells Fargo has failed to support evidence/ reasons why my claim has been denied. I had no association with the person that received these funds from my account. Wells Fargo took longer than 10 days to investigate and give an answer on this claim. 

I am asking for a refund of the {$XXXX} that was lost.

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 2020-04-24
Company: BTH Management
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company going by the name of XXXX XXXX  contacted me sometime in the fall last year about a loan balance that they would be handling, I have been paying them but something seemed strange about their way of contact, I never received any mail notification, only phone calls and texts from the man listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Office : XXXX Direct : XXXX XXXX I do not see that the payments have showed up on my credit report, nor this collection agency name. So I decided to reach out to the original creditor, who provided me the information for the collection agency where the account was placed. It was a totally different agency, and I contacted them, they said they have never heard of XXXX and that the account was never sold to anyone else its been with the same agency since 2017. Now I feel that this XXXX  XXXX has been taking my money each month and it is not legitimate. I feel I have been scammed.

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
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For months I have given Wells Fargo the benefit of the doubt because I have been with them for so long. This is why I was hesitant with opening up a business account with them. Ill continue to handle my business banking else where full time. This time it is concerning my personal checking account. I do have things come out of my account all of the time and I go into the negative, just like every other working American, I am human, but I also make my account current within minutes of me noticing my account is negative, literally minutes, they charge me XXXX $ overdraft then use computer based system to generate half of my funds back which leaves me with XXXX $ every-time. They are taking advantage of me and I am tired of the treatment. They also let people go into my account without authorization and steal my money, I have disputed items with Wells Fargo and they have failed to return my money and use poor excuses to keep from giving me my hard earned money back. I will be closing my accounts, checking, savings & business account and taking my XXXX $ salary to my credit union , I am sure I will be respected far more than now. I have never disliked a bank more than I do Wells Fargo.

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 2017-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX and XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from Navient to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XX/XX/XXXX to beginning XX/XX/XXXX then I was at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX.  I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am refinancing a reverse mortgage that my XXXX mother had on her home. The problem is that the payoff quote from XXXX XXXX had a " past due appraisal fee of {$700.00} '' which I and my lender questioned. We both do not know where this fee is from and was told that they are allowed to charge a 'past due appraisal fee '' even though an appraisal was never done by them. After trying to clarify the fee they agreed that is was an error and they removed the fee of {$700.00}. However, by the time this was corrected on XX/XX/XXXX, which the quote was only good through XX/XX/XXXX it was too late and my loan did not fund. So I called the following Monday XX/XX/XXXX to request another payoff quote that was good through XX/XX/XXXX. The faxed the payoff quote on XX/XX/XXXX with the added " past due appraisal fee of {$700.00} again. So, again I called and requested a corrected payoff quote without the {$700.00} past due appraisal fee and was told they would not remove it because they are allowed to charge this fee, which makes no sense. I feel that I am getting deceived by this company. Also, when asked if I can see the so-called appraisal they could not provide one and could not even give the name of the company who did this so-called past due appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: SUNCOAST CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, we woke up to our vehicle being gone. We called the police thinking it was stolen. they were able to tell us it was repossessed. We were dumbfounded. Neither my husband or myself were notified by Suncoast Credit Union that our loan account was just {$660.00} dollars past due. No one at Suncoast notified us, although they stated they did. I have no messages in an email, on their app, phone calls, nothing. I wrote a letter, which I've attached, to their corporate office because we were embarrassed, we paid off the amount owed, plus a lot of repossession fees, that day, XX/XX/XXXX. I received a call from Suncoast Credit Union re : my letter. The Suncoast representative pretty much told me they didn't care. I will not have a loan with them going forward. We were less than {$1000.00} past due, they didn't let us know and we have bad credit due to this. Luckily, we were able to trade in and have the loan paid off on XX/XX/XXXX. This has never happened to either of us. They did not contact us and they should have. Especially over {$660.00}. I don't my believe my Credit should have such a low score due to something I didn't know about until it happened. and we paid it right away when we found out. Please consider this dispute, as Suncoast Credit Union really hurt our credit, humiliated us and never contacted us. I truly appreciate it. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX : Capital One issued a " Rewards check '' to me for {$54.00} XX/XX/XXXX : I attempted a mobile deposit to my XXXX account XX/XX/XXXX : XXXX notified me that the 'rewards check ' bounced, and i was charged {$12.00} XX/XX/XXXX : I contacted Capital One, and was told by " XXXX '' that I would hear something by XX/XX/XXXX, but I never did XX/XX/XXXX : I called Capital One again, and was told by 'Supervisor XXXX ' that they show this check as cleared XX/XX/XXXX : I called Capital One again, and asked where i can submit proof, from XXXX, that the check bounced, and a fee was charged, and was told 'supervisor XXXX ' that Capital One will be sending me a letter to 'confirm the check was cashed '! Again, I offered to prove otherwise, but she said they have 'no incoming emails ' and I would have to take this up with XXXX XXXX 
I would like Capital One to credit my account, the full {$66.00}, to cover the rewards and the bounced check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} Bank of America violates laws by refusing to dispute certain charges on XXXX XXXX XXXX. 
XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} and asks for immediate permanent credits or he will take boa to small claims court which is not precluded by any agreement and which right he has not renounced. 
On XX/XX/XXXX, records reflect that claims were initiated online for a transaction from XXXX XXXX XXXX in the amount of {$95.00} and {$2.00} that posted to the account on XX/XX/XXXX because no goods and no services were provided at any time. In addition, account was charged the associated Foreign Transaction Fee in the amount of {$2.00}. 
Boa ignores disputing charges for which complainant will sue boa in small claims court unless these charges are reversed because neither goods nor services were provided. 
XXXX XXXX asks for immediate permanent credit of both and all finance charges and stop calling finance charges interest charges in order to deceive consumers. 
Boa fails to treat customers as people but is too big to fail. but boa continues to fail because it has no incentive to change. Perhaps boa should fleece third world customers as it would be easier since English is poor.

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 2017-10-07
Company: Vargo & Janson PC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX XXXX XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from XXXX to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XXXX to beginning XXXX then I was at XXXX XXXX XXXX of XXXX XXXX to XX/XX/XXXX. I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation