BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Affirm Holdings, Inc
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I purchase from XXXX all of the time. This is where I remembered seeing an annoying Affirm pop up appeared, but I don't think I used it! Without my consent It was added to my extensions, I just removed it. XXXX sent me an email saying I had XXXX late payments of {$15.00} from Affirm, I got Affirms number and called them up. They didn't have my phone number, email address, home address, or account number. That's why I know they never tried to get in touch with me. XXXX and XXXX don't have this on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom it may concern, The complaint is regarding the Citi bank product related to Saving account. 

Summary : Opened the saving account with the promotion of {$300.00} deposited after maintaining certain cash balances for period of time, which I maintained based on the company guideline. After multiple attempts and conversation with Citi bank Rep. they could not deposited the promotion fund ( {$300.00} ) in my account and wasn't able to assurance that it will be deposited in a timely manner. In summary it appears that the promotion is just used to capture the customer 's attention and obligation to provide the promotion balance is not taken seriously. 

I would like your help to resolve this issue and help other customers who is facing this kind of similar issue. 

Thank you CFBP for the support. 

Communication timeline : XXXX. XXXX : XXXX. XX/XX/2022 : Reported the issue with Citi Bank XXXX. XX/XX/2022 : Supervisor : XXXX Manager XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. DUE TO ID THEFT/FRAUD WE ACCOUNT WAS NOT VALIDATED BY US.I DID SPEAK TO A REPRESENTATIVE PREVIOUSLY AND THERE WAS PAYMENT OF THIS ACCOUNT AFTER XX/XX/2018. I AM ATTACHING THE A COPY OF THE CLAIMS REGISTER AND PAYOUT. IF THE ACCOUNT WA DELETED FROM THE BUREAU WEL THIS WOULD EXPLAIN EVERYTHING. I KNOW SOMEONE LEFT EVIDENCE BEHIND THINKING I WOULD NOT CATCH IT. APPEARS TO BE ANOTHER INSIDE JOB WITH THE SAME TWO ATTORNIES AND TRUSTEE. THE ALABAMA XXXX. ENTITLEMENT XXXX RACISIM AT IT'S FINEST! 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
my PayPal got limited. I had around XXXX $ balance. they told me through email I will be able to transfer them after 180 days. after a few months they transfer my money to PayPal without my notice because of " damages to PayPal acceptable user policy '' when I never did a thing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the fair credit reporting Act United Collection Bureau XXXX XXXX has violated my constitutional rights. 


.According to article 15 U.S.C . 1681 Section 602 A.

, states 'I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-29
Company: EQUIFAX, INC.
State: DE
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 '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on XXXX, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST 7 YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Client 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:
I have reported to XXXX that I am a victim of identity theft with police report but this company kept sending me collection bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX Sunwest mortgage pulled my credit report. I applied to them because XXXX XXXX stated that I had XXXX days after my credit was pulled on XX/XX/XXXX by another mortgage company. I did not authorize Sunwest Mortgage to pull my credit again. They stated that I signed an electronic form authorizing this but I did not. I was under the implied impression that my credit pull from the XX/XX/XXXX would be used. They will not contact the credit bureaus to remove this inquiry for the reports. This is fraud because I didnt authorize this and I even told them that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SYNCHRONY FINANCIAL
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/TJX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX of XX/XX/XXXX I asked for help with car payment XXXX  parent, XXXX And I am looking to rescind my contract I noticed billing errors Extremely high monthly notes And I was denied threaten to have my vehicle repossessed Until something is paid Over charged with random fees just to obtain a vehicle Paint protection fees {$890.00} XXXX XXXX {$890.00} Down payment was required and accepted 15 usc 1605- 1635 all codes broken XXXX XXXX XXXX miles XXXX XXXX {$500.00} down payment

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 repeatedly disputed inaccuracies on my credit report From XXXX  and transunion. 
I have agencies on my report that are reporting late payments and inaccuracies from chargeoff account that where sold to secondary agencies These bureaus have repeatedly ignored consumer laws that protect consumer from bureaus and furnishes that try to take advantage of consumers Fair credit reporting act states that if a item can not be verified within thirty days it must be removed, if proper verification such as original contract from a collection agencies can not be shown that account does not have proper verification and must be removed and if a secondary bureaus use false or misleading information to obtain settlement for accounts and collections which was done those closed accounts should be removed and not still be reporting on my credit report Transuion and XXXX  have repeatedly violated the fair credit reporting act

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 2022-12-12
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get Nationstar Mortgage to return insurance claim proceeds for 7 weeks, and they keep delaying and abusively putting me off. I have repeatedly called and requested a status, and am told it is in review and that they will get back to me in 5 business days. After getting this same answer several times I have requested to talk to a supervisor, and the customer service representative said they would have a supervisor call me back in 48 hours. I have not received any of those promised callbacks. 
The company is currently holding {$99000.00} of my funds that I received from XXXX XXXX XXXX as the result of a lawsuit settlement. They received these funds on XX/XX/XXXX. 
I had already passed my " final inspection '' by Nationstar Mortgage on XX/XX/XXXX that qualified me for release of all funds. There is no reason for them to be holding my funds but they refuse to release them. Twice they requested additional information : 1. On XX/XX/XXXX they requested an updated Adjuster 's Worksheet. I explained that they already had it, but to avoid any delay, I went ahead and resubmitted the document to them. They received the document on XX/XX/XXXX. 
2. After much back-and-forth, they then said I needed to submit a copy of the legal documents from the lawsuit. They had no reason to ask for these documents and had no right to them since I had already passed " final inspection '' but I sent the documents anyway. They received these documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got and email from XXXX a month ago because I was selling my bed and something happened with the transaction and they kept asking me for money and kept saying that would be the last one, its been {$3800.00} from XXXX, {$2700.00} from XXXX and {$500.00} from XXXX XXXX, its ridiculous the amount of money they have been asking me, I called my bank and XXXX and they said they can not do anything because theres no refunds in this situation

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 2022-08-02
Company: EQUIFAX, 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:
XXXX, Equifax - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. An application was sent to Mohela on XX/XX/XXXX certifying all my employment. Mohela is not even processing my PSLF application. They closed it as a duplicate however the only other application on file is listed as cancelled. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: WI
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:
The dealership told me that I would have XXXX inquiry and they ran my credit multiple times after telling me they wouldn't.

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 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On XXXX XXXX I was notified by my financial institution, Bank of America, that my account had a lien placed on it by XXXX, XXXX, & XXXX, XXXX ( debt collection firm ) due to a outstanding credit card debt. My bank account was frozen and {$1400.00} was seized. On XX/XX/2022, I received written communication in the mail from the bank ( see attached ), which stated that I owed {$3400.00}. On XX/XX/2022, I contacted XXXX, XXXX, & XXXX, XXXX, via telephone along with my mother, who provided them with her banking ACH information to do an electronic funds transfer in the amount of {$3400.00} from her checking account. Prior to making this payment, I was told by XXXX XXXX, ( a representative of XXXX, XXXX, & XXXX, XXXX ), that once the {$3400.00} payment was made, they would refund the {$1400.00} to my checking which had been previously seized and placed in an escrow account. As of today, XX/XX/2022, the funds have not been placed in my checking account nor has my bank account been restored for me to use. On XX/XX/2022, I walked into a branch of the bank to discuss this matter with Relationship Manager, XXXX XXXX, to whom I provided a document stating that I had paid XXXX, XXXX, & XXXX, XXXX the amount owed of {$3400.00}. Still, my checking account has not been restored nor have I received my {$1400.00}. I have sought legal counsel who has emailed and faxed the bank representative, however, I still have not gotten anywhere with this. 

Your assistance in this matter is much needed and will be greatly appreciated. Should you require any additional information, please feel free to contact me via my cell phone, email or USPS. 

Thank 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 monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: DE
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 '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on Experian, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST XXXX  YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
This American Express credit card was issue without my authorization i disputed the card and it took almost 6 months to clear my name and account was close and deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
Violation of consumer rights Improper use of report In accordance with fair credit report act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 Sec 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was fraud on my checking account on XX/XX/2022. This is my second complaint because I still havent received the funds. 
The original complaint number is XXXX The bank manager called me and I was told weeks ago that I would be receiving the funds promptly.

Company response to consumer: Closed with explanation