BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, I received an alert notification email about my credit report. I submitted the consumer inquiry on www.procollect.com but didn't get any response. So I got on www.procollect.com web chat with the agent. The agent informed me that I have an account for the XXXX XXXX XXXXXXXX account # XXXX in the amount of {$120.00} + {$7.00} collection fee. The letter was sent to me at the address, XXXX XXXX, XXXX, TX XXXX. Even so my balance in full is due in procollect office later than by Monday, XX/XX/2022 or collection efforts will still continue for my account.

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 2017-09-01
Company: Experian Information Solutions 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:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 2022-09-08
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, a customer of Wells Fargo Bank obtained a withdrawal from my checking account at the bank teller window. The cashier failed to verify the hand written account information, and funds were removed from my personal checking account because the customer used the wrong account number. I saw a " pending '' transaction on my account when reviewing it online that day and immediately notified Wells Fargo Bank. Unknown to me, the Wells Fargo Bank customer service representative incorrectly classified the bank error that should have gone to their fraud department, however, no action was taken for 2 days until I called to see what was being done to return the funds to my account. I was informed that another error had been made by not correctly classifying the problem and I would need to wait an additional 10 to 15 days for their investigation. The funds had not been returned to my account, and they have no plans to do so until the investigation is complete.

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 2019-12-02
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted the three credit report agencys. XXXX, transuion, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

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 2017-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want bank of america to release my earnings faster

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 2022-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I reported that My Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Credit Report to Equifax via phone with an Equifax representative. 

On XX/XX/2022 I mailed a letter to Equifax Stating that my Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Equifax Credit Report I then got a letter in the mail from Equifax stating that the disputed item is not on my credit report. 

I need my Morgage to show up on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 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 investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase charged me overdraft fees before sending me an alert notification that I had negative funds in the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
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 XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-03-13
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do not remember the exact date but because I am in Bankruptcy they did not want to communicate with me and I emailed the company no luck I need my account to be corrected, my payments are not being applied properly, as of the last statement I received, I have over {$2000.00} holding escrow in my account and I am still being charged for monthly escrow and my payments are past due over {$5000.00}. My yearly escrow is {$740.00}, there is now way i should have that much funds sitting in escrow and my payments are that far past due, and their statements also not clear of how they break down the monthly payments as far ( regular payment and escrow amount that is due every month. I need help to have my account reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Consumer Adjustment Company Incorporated
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 is missing that should be on the report

Complaint:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Disputed inquiries on my report that are inaccurate. Company ( transunion ) came back in 2 days and stated they were valid inquiries. That was not enough to verify. These inquiries are inaccurate and not mine

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 2022-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted Macys customer service on XX/XX/XXXX when I attempted to place an order using my card but it was was declined. Customer Service advised the account was closed on XX/XX/XXXX per customer request. I advised I did not authorize the account closure. When my pay down check for $ XXXX + was mailed in XX/XX/2022 a letter accompanied the check. If I wanted the account closed, I would have needed to sign in a certain section of the letter to authorize the closure and I DID NOT SIGN therefore the account was to remain open and active. Customer Service stated I could reapply for a new account but I advised my account should not have been closed. Customer Service stated they could not view the letter and needed to open a case for review. It would take 10-days for a response. I have been a long time platinum customer and felt this review delay was ridiculous since Macys incorrectly closed my account in error without my signed authorization.

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 2021-05-11
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America abruptly closed my account on XX/XX/17 after opening it just a few days before ( X/XX/17 ) with {$92.00} remaining in my business checking account.
There is absolutely no formal reason and I have 0 history of abuse behavior with the bank so I feel I am being treated completely unfair. 

I would like to do business with Bank of America and feel I 'm being treated like a criminal this is not right and I want someone to help me so we can resolve this and get back to banking for my business.

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 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I went to check my balance on my unemployment account through Bank of America and it was at {$00000.00} so I spoke to the claims department and they told me that on XX/XX/XXXX someone had transferred {$5000.00} into a bogus account. Then on XX/XX/XXXX they transferred the remainder of {$1400.00} into the same bogus account. At that point I was told that they would do provisional funding within 10 working days. Well the 10 days came and went and they've done nothing to help me with this error which is clearly their fault not mine. I have repeatedly contacted them on this issue and they keep giving me the run around. Now in their terms and conditions it clearly states zero liability on the customers behalf.This was all I had to live on from XXXX to XXXX. I have had to sell a my gold coins I've had forever just to be able to pay My bills. I've pleaded with them. I've been really nice on the phone. But they make me feel like I'm the one at fault. I trusted my money in their bank and because of their negligence and ignorance my money got stolen.i just want what's right. I shouldn't have had to sell my coins but they gave me no choice. I need your help. Please!

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I made an online payment of {$210.00} to my Doctor, XXXX XXXX, MD. 
I set her up as a vendor in my payment list as I always do with her billing address, my account number etc. 
In XX/XX/XXXX I received a statement from the Doctor 's office showing the {$210.00} as outstanding. I called the Doctor 's office right away to tell them a payment did go out. They told me they never received it. 
I called Chase Bank because I could not get a proof of payment online. In the past I could always get proof of payment. On this particular transaction in XXXX I noticed there was no trace number. Chase Bank told me I could get the proof of payment at a local branch. 
I went to my local branch but all they could do was print the amount coming out of my account, nothing to prove the payment was sent out. 
Throughout XXXX, XXXX, XXXX and XXXX I spoke to various departments at Chase Bank - to no avail. I was told by one person to call back and ask for a supervisor. I was told by another that they would mail me the proof of payment. Never received it. Everyone I spoke to agreed it was unusual to have no trace number on the transaction. The funds were taken from my account but never sent! There was no proof of payment because the payment was never sent! If I had written a check myself I would have been able to void the uncashed check and the funds would have been returned to my account. 
In XXXX my Doctor 's office was going to put me into collections so I used my Chase debit card to pay the bill over the phone. I have now paid twice! 
Chase Bank took my {$210.00} in XX/XX/XXXX and will not give it back. My attachment is a printout for online banking showing 1. the payment activity for XX/XX/XXXX, showing the payment of {$210.00} and 2. showing the " proof of payment '' without a trace number and 3. showing the proof of my 2nd payment to the Doctor on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Spring Oaks Capital, 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 filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation