BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-04-15
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. 
Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: TN
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 am disappointed that my credit file is not corrected even how many times I disputed the listed items. XXXX and Equifax proceed their investigation and also removed items that I mentioned. I've already told you that my report contains accounts that are the results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Eastpoint Recovery Group, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started receiving calls from East Point Group in XXXX, NY on XXXX/2017.  They claim that I owe money on a credit card that was already settled with the company that issued the card. When I did not agree with their claim that I owed on the card, they called my old roommate and my husband and told them that I had 19 outstanding delinquencies, that I was a liar, and specifically told them that I owed money on a credit union  issued credit card. This company called my old roommate, my husband, and myself several times yesterday and again this morning. This company is harassing me and my family in addition to lying about debts I owe. I have attached the receipts showing I paid off this debt to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had made some deposits total amount $ 320K USD to www.www.gemini.com, bought crypto ETH, transferred ETH to XXXX, made some profits, the I can not withdraw money from XXXX any more. The XXXX XXXX is a scammer, the site XXXX  is a scam site. 

But www.gemini.com should not deal with the scammer and directly transfer crypto back and forth from XXXX, it makes us think XXXX is a legit site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Nationwide Credit & Collection, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS AND KEPT CALLING MY HUSBANK CELL PHONES 66 TIMES AND MINE XXXX TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello- This Complaint is being filed for Wells Fargo Bank and XXXX XXXX XXXX. I would like Wells Fargo to return the money to me that was taken by the fraudster. 

I went to pay an invoice to XXXX XXXX for a lift in the amount of {$22000.00}. Communication Started on email XX/XX/XXXX. My email was intercepted by a fraudster ( XXXX & also XXXX - XXXX  doc attached ). The fraudster claimed to be XXXX XXXX and gave me wire info for the deposit. I sent a wire to pay and obviously now went to the fraudster vs XXXX XXXX 

The wire went to an account at Wells Fargo out of Oregon. 

It was XX/XX/XXXX When I figured out what happened as XXXX called and again asked for my payment. XXXX said the payment was never made and we re-traced the steps. I contacted my Credit Union XXXX XXXX XXXX XXXX- where the wire was sent from ) to explain what happened and initiate steps to get the money back. 

XXXX told me I needed to engage XXXX XXXX XXXX XXXX ( conversation/agreement attached ) to get a Trace and obtain the account at Wells Fargo it wenXXXX to and reverse the funds. There were no funds available. 

The next step was to open a Police Report with XXXX XXXX XXXX, MN and forward info to XXXX ( which was done ). Officer XXXX was to obtain a warrant to the account info associated with the fraud and get back to me. See attached document for correspondence. The police department has not communicated with me since they mentioned they were getting a warrant. I've email asked for follow up XX/XX/XXXX. 

I have also reached out to Wells Fargo and was told by customer service the only people that could contact them was XXXX XXXX XXXX and the police. Wells Fargo has a " Know Your Customer program '' - which requires a photo ID to open an account. The fraudster had to show an ID to open an account. Wells Fargo knows about the fraud and is currently doing nothing about it. Wells Fargo has not communicated with XXXX Fraud Department after being contacted by XXXX several times. 

My hands are tied and need the money back - {$22000.00} dollars was taken and is causing major hardship paying bills and buying necessities.

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 2015-06-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We moved to a new neighborhood and got a letter from Citizens Bank offering a XXXX dollars direct deposit checking account bonus if we make another any deposit within 45 days after the first opening deposition. 
I went in to a local branch. A rep there helped me to open an account, and enrolled me with an overdraft insurance ( XXXX bucks ) without even telling me, and charged XXXX dollars maintanence fee each month since I did not deposit enough money the XXXX time.Ane he gave me XXXX dollars for opening that account. 
And then I went in a few days later to deposit enough money so I could be waived for XXXX bucks for maintanence. The rep promised me to credit me back that XXXX bucks, and the XXXX bucks after I told him I do n't want that. 
After a few months, I checked my account, and found the XXXX total bucks were never credited back to me. I called the rep, he promised to refund me again. 
Again after a couple of month, I contacted him the XXXX time. He promised to do it again. 
As of today, it has been more than 7 months after I opened that account, and I have never received that XXXX dollar bonus as promised to be credited within 4 months, and I still never got back that XXXX bucks, and I am leaving this area soon, I finally went to talk with that rep face to face. 
He finally credited me that XXXX bucks he should have never charged. But he did not give me that XXXX bucks. The reason he gave me is following after he talked to someone on the phone : The XXXX dollars opening bonus he gave me cancelled out my XXXX bucks bonus!! 

I said why do n't you cancel that XXXX bonus and let me have the XXXX bonus then. He said that is a done deal and he can not change it. 

I clearly showed him the XXXX bonus certificate when I went to open that account!!! 
I guess that is how citizens bank honor their opening bonus. A very disappointing experience from me.I almost lost XXXX bucks instead of getting XXXX. What a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX and XX/XX/XXXX I attempted to contact my servicer regarding my loss of income due to the impact of the Corona Virus -COVID-19. There are no servicing or assistance options via the servicer website and I have left ( 2 ) messages and requested a means of contact. The Web message specifically states to contact the bankruptcy department but does not provide any contact information. I waited on hold for 1:09:59 seconds to be connected to the bankruptcy department and the call was routed back to customer service who stated " well you didn't get bankruptcy this is customer service ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Information belongs to someone else

Complaint:
IN REVIEWING MY CREDIT REPORT FROM XXXX AND EQUIFAX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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: Information belongs to someone else

Complaint:
everytime i dispute information with XXXX  and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially XXXX  is a headache and experian neveer had a problem with 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 2015-09-22
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I have two issues. 
I have a credit card with Bank of America. I put in a change of address with them. I did not receive my bill and received a late fee. I subsequently paid my bill. I requested that they waive the fee and they turned me down. As a XXXX I complained to investor relations and they notified a debt collector who sent me an email yesterday.

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 2016-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I somehow have a fraud alert on my Experian credit report. I can not get it removed and now I am unable to be on our mortgage bc my mortgage company ca n't pull my Experian report bc of this fraud alert. My interest rate is also going up almost XXXX points bc I am unable to be on the mortgage. Mortgage company has no problems pulling the others reports w the other bureaus. 
Over the last 6 weeks -- -I have called 3 times, submitted 4 faxes, mailed a letter AND uploaded a document via Experian upload. AND THE FRAUD ALERT IS STILL THERE. 
Every time I called it was VERY difficult to get the person I spoke to to understand my problem, and the canned response was to send me to their website for help. The first phone call resolved that my address was the problem -- - not the fraud alert -- -- so I submitted a form for that. The second phone call could n't confirm that I had a fraud alert I was told that I had to pay {$10.00} ( which I did ) to get a copy of my report to verify that I did indeed have a fraud alert on my account. The next call directs me again to the Experian website -- - website said " we are unable to find you in the system '' -- - I had to call AGAIN to still not have any resolution. 
Mortgage companies and the credit bureaus are giant jerks who take advantage of good people. So now I am having to pay a higher mortgage interest rate bc I ca n't be on the loan. AND i ca n't get the fraud alert off my account AND NO ONE WILL HELP ME!

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 2020-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last month I was looking at my credit report and found various accounts that where fraudulent. Please help me remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several complaints regarding XXXX XXXX XXXX to experian. 
XXXX XXXX  has opened two accounts with wrong information to collect a debt one with XXXX one with XXXX. The one with XXXX isnt even on my credit report its so old they are reporting false monies owed and the age of the account. They are also doing it on the Auto loan as well I wAs in a car accident and the insurance paid the car then the finance company took the car sold it and never took that amount they received and credited it to the account they are also reporting the account as being opened XX/XX/2019 and a new debt owed when it is false they are not reporting the accurate dates or monies owed from either accounts which goes against my rights. I have sent numerous letters and made several calls and still it is being reported on my account fraudulently. My car loan was not opened XX/XX/2019. Please help me 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 explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last month I was looking at my credit report and found various accounts that where fraudulent. Please help me remove them

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 2015-11-17
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief