BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: NY
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. The XXXX XXXX # 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 explanation
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In previous case # XXXX US Bank Responded see attached. AS YOU WILL SEE XXXX XXXX senior customer service frivolous response not to mention a lye, my address is clearly right as well same they mailed checks to and statements his response clearly has no waiver and is wrong as council was secured this goes in the record and clearly shows from inter office correspondences that now not only discrimtory but he has taken this personal

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 2022-12-09
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this several times and heard nothing back after first seeing it on my credit file. Please help this is unknown and I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried multiple times to have my credit pulled by regional finance but equifax is stopping them from pulling my credit to give me a loan. This has gone on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Self Financial Inc.
State: AR
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:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received an alert on my credit for this company, attempted to contact and they stated do not have my social on file, however, it is on my credit. I am not aware of this account and am a victim of theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX RE : Complaint against CitiBank and theft of funds Dated : XX/XX/2022 On XX/XX/2022, I went to see my father in law XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. I brought 2 envelopes that came into our mail box addressed to him I explained to XXXX that it was hard for me to pay the rent and bills on my own and that I was trying best to hold the apartment for him until he is stable to come home. I explained that my mom passed away last year and I can not afford to pay all the rents.these hardships caused me to go into debt. I asked XXXX if he could offset what was owed with his checks that he hasn't cashed in many years. he agreed and said he never wanted the burden on meXXXX is XXXX and has no movement in both his arms and hands. So I helped him endorse the checks to be deposited into my citi mobile deposit so I can pay the rent I immediately paid ( via mobile deposit ) XXXX rent which I was behind because I'm injured and work part time I then received my pay check the next day which together with XXXX 's check was supposed to be forwarded to XXXX 's rent. 

XXXX Bank froze my hard earned money I worked for and froze my XXXX father in laws check towards XXXX 's rentI am trying to have my father in law come back home to a stress free house and his rent paid in fullBut it appears that Citi has stolen our funds that we need to pay bills. Also, we pay the rent every month in which it is documented.There is no fraud My father in law endorse the check because of his XXXX and attempt to hold our only home we have. 

Wherefore, I hereby respectfully request you and your office to please contact Citi who refuses to be reasonable and return our funds so we can pay our rent and billsI 'm a struggling father of XXXX small children and my mom died and father in law is all I have I thank you in advance for your help and assistance regarding this serious matter before I get evicted Sincerely, XXXX XXXX and family cc : file

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 2022-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have many bank products with Wells Fargo. However I have one of my bank product which Is a business credit card account that I had with Wells Fargo for over 5 yrs now that I was making payment and using on a monthly basis that Wells Fargo decided to close this account without my consent around XX/XX/2022. After doing so they started to apply late payment fees and interest rate fee XX/XX/2022 on the remaining balance that I had when they involuntarily closed my business credit card account which I had just made a payment towards that same week/month. From there I started getting collecting phone calls day and night from Wells Fargo about making payment on the account because it was past due and every time I asked the clerk to explain to me why my account was closed unexpectedly, they always replied back without an actual reason ( s ) and proceed to press me to pay the past due or late payment. I even had a rep that goes by the name of XXXX that will call my phone nonstop and even leave voicemails in regards to me paying them instead of explaining to me why they closed my business credit card account which I work so hard to maintain from an unsecured business credit card with my own money to a secured business credit card after couple of years building relationship with Wells Fargo. I have been a loyal customer with Wells Fargo for more then 12 years and that's how they showed their appreciation by closing my business credit card account without my consent.

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 2022-08-23
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 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 three 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 21 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-27
Company: WELLS FARGO & 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:
Hello, My name is XXXX XXXX. Over the weekend of XXXX/2022, My phone was stolen when I went to a party and my account was drained via multiple cash sending apps such as XXXX and XXXX XXXX. I called and disputed all of this, after 9 days I got a letter saying it was declined because I logged into the app on the XXXX and XXXX. This is because my money was taken on the XXXX. Wells Fargo has allowed someone to steal my money and is not returning it. I want this fixed, I have hired a lawyer and am now coming to you guys for help. Please help me get my money back.

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 2022-09-27
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried reaching out multiple times to XXXX and XXXX along with Convergent Outsource to get this situation fixed as they are reporting this account that I do not recall. Continues reporting inaccurate as this debt is not mine. XXXX stated over the phone that they couldnt do anything about this debt as it does not belong to them anymore. So I just kept trying to work it out with collection company nd bureaus. Reporting inaccurate date lest active. Reporting a balance of {$640.00} when account has been transferred. re-aging pushing back the data count should fall off. consecutive charge of as if it was some sort of payment method. I have asked for verification on debt any document that provides my signature stating debt belongs to me. 
I asked to provide a method of verification on and how and where they are getting information from because they continue to report incorrect. I have been answered with the statement bill on this account. this does not provide my signature and does not mean debt is mine. I have actually tried to offer a pay to delete on this debt not because I believe debt is mine. But, because I have tried multiple times to fix the situation. Account is hurting and holding me back from obtaining credit and I need it to get removed immediately. I offered a 60 % on the step as a settlement but I have not heard back on my offer.

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 2022-09-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have joined XXXX XXXX XXXX using several accounts. Synchrony is one of the companies that I have settled with and paid off for an Amazon Store card. I believe I also had a Discount Tire card that got behind at COVID when it was around {$600.00}. I don't understand why they can call the phone I buy for my business and keep my voicemail full all of the time. And it doesn't show on my display. I don't see how to block the number. The voicemail always starts in the middle, is automated and says call back 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 2019-04-18
Company: DMEC Capital Services LLC, DBA Settle Our Debt
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I started a contract with this company XX/XX/2018 to settle debt with 2 online pay day loan companies XXXX  XXXX and XXXX XXXX upon entering the program I owed XXXX and XXXX settle or debt after looking at the account they set up with XXXX XXXX I had funded the account XXXX and only XXXX had been paid to my loan I asked how much do I still owe they said XXXX I said how so withdrew from the program and ask for a refund, I then discovered they had taken over {$700.00} for fees to them selves, I received a email from them that I signed a contract that pays them 40 % of the projected interest and I could receive a refund if I gave proof of no interest I sent them a email from XXXX XXXX no interest XXXX to settle the loan haven't heard back from them they are getting more than the creditor themselves Please help me recover my money.Thank you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NY
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, 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 2022-09-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
THIS BANK CLOSED MY ACCOUNT WITHOUT MY KNOWLEDGE AND CONSENT BECAUSE I DISPUTED AN INCORRECT TRANSACTION.

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 2022-09-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Card was charged for something you did not purchase with the card

Complaint:
We received a collection letter for a Bank of America credit card that we never received and did not apply for. We went to Bank of America regarding the problem. They discovered that a card was issued in the name of XXXX XXXX XXXX, with the correct social security number, but none of the other information was correct. The address used was in New Jersey, but we have never lived in New Jersey. The telephone number and email address did not match with anything we have ever used. We never received a statement or a bill for this card, but are being told by a collection firm that we have a balance due of {$17000.00}. We are disputing that amount with Bank of America and they have already begun a fraud investigation. We are also placing fraud alerts on our credit reports and have requested copies of credit reports be sent to us. We submitted a police report but will not have a copy until approximately XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have multiple duplicate credit inquiries that XXXXXXXX XXXX  sent over when they pulled my credit. I have contacted all of the banks and XXXX XXXX with absolutely no help.

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 2022-09-27
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for XXXX on XX/XX/2022 due to me losing my employment and had reduction in hours. HAF of Michigan had sent over my application and requested my loan information XX/XX/2022 from Caliber Home Loans. HAF have attempted to call and email my mortgage servicing company ; Caliber Home Loans on multiple occasions. These dates include, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, Caliber Home Loans have not returned any emails or calls. I also have attempted to contact Caliber Home Loans on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in which customer service representatives keep implying they never received emails from XXXX. I also attempted to reach out to the main point of contacts for the Michigan HAF program, in which I emailed them on XX/XX/XXXX. The following representatives for XXXX in Michigan with Caliber Home Loans are XXXX XXXX, XXXX XXXX and XXXX XXXX. When I wrote these individuals via email, they have not responded and still have not responded or updated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
My name is XXXX XXXX I purchased a vehicle on XXXX I got rushed out of the office where we made the cell at XXXX at XXXX at night everybody was closing the doors up I asked about the gap nobody told me anything I ended up getting broadside at the next morning next morning looked in my paperwork and there was no gap I called them they were no help they told me you signed the paper for no gap I said your guy pushed me out of the office told me to sign here sign there and did not explain anything or let me read anything now I am gon na be {$7000.00} under Because they did not give me the gap my vehicle was a total loss it had 22 miles on it done it and they will not help me in any way I asked him to add to gap the next morning They will not help me at all Somebody please help me my number is XXXX thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Porania, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX this debt on XX/XX/2020 amount of {$5500.00} granted removal of this debt reporting on my credit report this bankruptcy is effecting me im requesting to remove this debt off.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-27
Company: GOLDMAN SACHS BANK USA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX APPLE CARD/GS BANK USA has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company response to consumer: Closed with explanation