BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Mr. Cooper Group Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We had a mortgagee loan through Mr Cooper aka Nationstar Mortgage. They have failed to report my mortgage to the credit bureaus for a number of years? Both my wife and myself. I have been denied credit because of no mortgage history. We no longer have our loan with them but they definitely affected us adversely. I tried on multiple occasions to get them to fix it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: DISCOVER BANK
State: NJ
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:
Did Not authorize companies for inquiry and do not recognize companies XXXX XXXX XXXX  XXXX  Companies Inquiry date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX XXXX  the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement. 
During last conversation with a Bank of America representative they agreed that the check was deposited once and the bank who issued the check, XXXX XXXX did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at XXXX XXXX having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue Bank of America sent me to XXXX XXXX to ask them directly for money. Both banks made an error and one of them kept my money.

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 2022-12-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I cant take all my money out of my pay pal account which came out to {$7100.00}. About 2-3 months ago I tried taking money out and I couldn't. Ive already put in the information they needed however whenever I reach out they tell me that they are investigating the issue. Ive provided them with how my business provides service to our customers yet still they are withholding my funds until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Albert banking had denied my payroll check. It took weeks for them to finally send back the funds they were holding for it to my company. They then charged me {$1000.00} when they were the ones holding the funds and they never touched my account. I then received my taxes and do not have access to that money either. I am out {$1900.00}. Their support has been no help and stopped responding. This issue has been over a month of me not having any money at all and no one seems to care

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: VA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I had {$470.00} in XXXX transactions stolen from my cash app account and when I tried to tell the cash app support team about the transactions not being authorized by myself they told me that I authorized the transactions and they were not going to return my money. That was my rent and my food for myself and my wife who is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to SOURCE RECEIVABLES MANAGEMENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Account Resolution Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification XX/XX/2021 that there was a remark on my credit for a medical bill. I never received any phone calls or a letter of debt validation notice in the mail. I had no information regarding the collector, the only reason I found out which company it was until I pulled my credit report and saw their information. I had no idea about this debt and I'm very upset I didn't even have a chance to verify if it was mine or dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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 status incorrect

Complaint:
I am XXXX XXXX, and I am disputing Equifax inaccurate reporting. 
Equifax, how was an investigative consumer report conducted for the following : XXXX XXXX XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Equifax has violated the above referenced laws. Equifax has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

Was it verified according to 15 usc1681a ( e )? No, it was not. You have violated all consumer laws stated above. I demand that you delete the referenced accounts below immediately. I am expecting that Equifax will be compliant and delete this unverifiable account. 
*Cited from Violation Notice sent to Equifax* *Violation Notice document attached* *Government issued id attached*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/202 202

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 2021-10-02
Company: Receivables Management Partners, LLC
State: TX
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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: Information belongs to someone else

Complaint:
XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I disputed inquiries that were not made by me however I have not heard back from them  XXXX ,  XXXX  and TransUnion

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 2022-06-09
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Grant Merchantile agency in XXXX regarding a medical debt that I did not recognize. After 4-5 attempts to get the information from the agency, they finally provided proof that the services were rendered to my daughter. When I received the information, I realized that the provider failed to bill my insurance and never contacted me regarding the debt. The provider then sent the account to collections XXXX  months after the service was provided. I am disputing that I owe the full amount of this bill, I had insurance which was furnished to the provider at time of service. I should not be held liable for the full amount of the service because of their inability to bill the insurance or contact me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, On Friday XX/XX/XXXX I received a phone call from someone saying that they were from Citibank fraud prevention explaining that my bank account had some fraudulent activity and they needed to verify the information so that they could resolve the problem and protect my assets. They explained that there was an attempt to use my debit card in XXXX and asked me if I had been there or if I was there at the moment, to which I answered no. They proceeded to verify my current address, my previous address, asking me if I had made some transactions with specifics dates and amounts. This transactions where correct. After asking all of this questions they said they were sending a code for security reasons, and that to verify my identity I needed to read it back to them. 

I never provided any personal information, bank account, social security number or username. 

After the call was over I decided to check my account and noticed that I had been locked out of it. That is when I called the bank, the bank notified me that there had been a wire transfer done to a XXXX XXXX  account. I notified the bank that that transfer was not done by me or authorized by me. 

The account number is XXXX. 

The case number from Citi is XXXX. 

The account to where the money was transferred is XXXX account # XXXX Belonging to a XXXX XXXX Routing number XXXX Police case number is XXXX FTC Report Number XXXX On XX/XX/2022, I spoke on the phone with XXXX team number XXXX, she instructed me that I have to get an affidavit signed with my information and that should be done in the branch. This is the first time that someone fro the bank has instructed me to take such action, even after I went to the branch to open a new bank account and brought a letter explaining the events that led to the fraudulent wire transfer. 

I have also been informed that they ( Citi ) are waiting on XXXX to return the funds. XXXX has asked the perpetrator ( scammer ) to return the funds. 

Thanks 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 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Wells Fargo has sued me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX XXXX, and XXXX forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines. They offered to settle in 2019 for XXXX, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for XXXX  which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of XXXX or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX XXXX XXXX XXXX XXXX XXXX  relocations in 1.5 years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion during covid that this bank and lawyer have shown is inexcusable and this case should be thrown completely out.

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 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and Transunion and XXXX will not update my information. Even according to XXXX my information is e erywhere.

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 2021-11-15
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the XXXX XXXX XXXX XXXX, XXXX USC Sections XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$3300.00} XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$2500.00} XXXX XXXX-Balance {$6600.00}

Company response to consumer: Closed with explanation