BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Harvard Collection Services Address : XXXX XXXX XXXX XXXX, Illinois XXXX This collection agency has previously submitted a fraudulent debt under my name in XX/XX/XXXX. I disputed this debt with all 3 credit agencies and added a complaint on the XXXX XXXX XXXX sites as I do not owe or own the account in question. This debt was eventually removed from my credit report. 
This collection agency has again submitted the same fraudulent debt again in XX/XX/XXXX to my credit again. From my other consumer complaints listed on the XXXX XXXX XXXX website, this collection agency had repeated these fraudulent actions against other consumers using the same debtor and tatics. I will continue to dispute this collection and the fraudulent collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
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:
I checked my credit because i want to buy a home and am a XXXX veteran and noticed there is an account on my credit that doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}

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 2022-10-02
Company: GOLDMAN SACHS BANK USA
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:
Im viewing my credit reports and I have account information on them that I had no knowledge of the account information or transactions and it is identity theft and I have been trying to report this for two years with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2023-08-29
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 


Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. 

Thank you for your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wells Fargo closed 13 accounts associated with me and my businesses without providing a reason. I was not engaged in illegal activity, and they did not allege that we were. I have never missed a payment on any debt I owed in the past 20 years and had borrowed and repaid {$300000.00} to the bank without issue. 

The company advertises credit cards rewards for its Active Cash cards. I signed up for the card solely because of the rewards program and their advertising of it. When they closed the accounts on XX/XX/2023, Wells Fargo claimed that they had provided notice that the credit card account would be closed, which is a false statement as they never sent me any letters stating my credit card account would be closed prior to the termination notice. They stated that they were authorized to seize {$200.00} in rewards points that I had lawfully earned, even though they initiated the account closure. 

Wells Fargo 's Cardholder Agreement, which allows them to widely advertise credit cards programs, unilaterally close accounts, and then seize rewards points, is unconscionable. This behavior by the bank is taking advantage of US taxpayers. 

I have contacted Wells Fargo multiple times and do not expect a resolution without litigation, which I will initiate if they report this invalid debt to a credit reporting agency. I am registering this complaint so that the CFPB will publish this information widely so that other consumers aren't deceived by Wells Fargo 's advertising that customers are entitled to use the rewards they earned through their rewards programs. 

I also hope that the CFPB will investigate the false statements made by Wells Fargo 's representatives- where they falsely claimed that I had been provided notice before the credit card account was closed. These statements are recorded on Wells Fargo 's telephone system in calls I made to the Executive Complaints Management Office in XX/XX/2023, and can be subponeaned by the Bureau.

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 2023-02-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint in 2014 about this and you did not help. I lost my home bc they refused to modify while double tracking with surprise foreclosure. They did not give notice and charged me PMI when I paid 25 % down in cash. 

I WANT THE XXXX I AM WITHELD TO FOR WELLS FARGO ABUSES!!! They sent a check for XXXX!!! And LIED WANTING ME TO ACCEPT WO KNOWING WHAT IT WAS. 

XXXX DO YOUR JOB! They are trying to trick those they stole homes from with a small check sent with lying explanation!!! 

WELKS FARGO YOU LIED, TRICKED, COMMITTED FRAUD and STOLE REPLACE MY HOME! I LOST XXXX in EQUITY!!! 

THEY DID NOT PAY WHAT THEY RECEIVED HEYOND ARREARAGES EITHER!!

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 2023-08-30
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Mobile deposit of checks from my XXXX checking account are rejected. Customer Service could not provide explanation. Message via Chime Help option not answered. 
In addition, two rent checks {$440.00} each were returned to the Rental Management as Insufficient Funds. 
Funds were available in the account to cover these checks. There were no holds or pending transactions. 
I had to withdraw funds from the account at an ATM to purchase Money Orders. This has caused additional fees, inconvenience and the XXXX XXXX will no longer accept checks for rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an email from Capital One ( capitalone@notification.capitalone.com ) on XX/XX/XXXX, containing this statement : " Great newsyour new Capital One credit card is in the mail and should arrive by XX/XX/2023. '' I have never banked with Capital One, nor have any accounts with Capital One been opened in my name with my permission. I was tipped off to the suspicious nature of this event, not only because I haven't banked with Capital One, but because a coworker of mine reported to me in XXXX that he received a credit card from Capital One to which he did not consent. I say again, this was not an invitation to apply, but a fully open credit account with his accurate information. I might have deleted the email had I not known this happened with the exact same bank in the exact same way to someone else. 

First, I sent the email to Capital One 's phishing reporting email, but the email did not look like a typical phishing attempt. I then called XXXX, which did not see any fraudulent activity on my account. Eventually, I called Capital One to see if this account was in fact opened in my name. I talked with several representatives before speaking with XXXX in XXXX, Florida of the Application Fraud Department. He provided me with information related to my account, specifically name, email address, shipping address, social security number, and the application date. I asked where it was the application originated, to include the IP address, but I was not provided this information. XXXX also told me my account was listed as XXXX, which meant his U.S. peers that would normally close fraudulent accounts were unable to close it due to international regulations or company policies. I was told to call back in two hours ( the time was around XXXX  XXXX ) to confirm the account was closed. 

Capital One reassured me my account would be closed, but I would like to inquire as to how and why this was opened in my name when I have never banked with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: State Collection Service, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
https : //www.statecollectionservice.com keeps calling me and texting me about a debt I do not owe. I have no information about the debtor and have requested them to stop by email, and phone conversation. A relative owes the debt and I have no information about the debt, so I can not help. The relative is an adult. They call numerous times a week from virtual phone numbers including : XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Three transactions that were unauthorized, the bank has not put the money back into my account, taking longer than the amount of time allowed by law. The 3 claims are Claim Number : XXXX for {$30.00}, Claim Number : XXXX for {$21.00} and Claim Number : XXXX for 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 2023-05-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked equifax XXXX and XXXX to have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Clear Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX sent me a bill that generated on XX/XX/XXXX  and I received said bill on XX/XX/. The bill was due dated XX/XX/XXXX  and when trying to make a payment they said they sent my bill to collections. I was up to date on said bill by paying {$670.00}. When talking to the collection agency they said they would not sell my bill back to XXXX and I had not received a letter or phone call stating they had my debt. I was also never given information on what my debt was. I was also told the collection agency had already charged me XXXX dollars in interest before even knowing about my bill going to collections. The collections agency is XXXX XXXX out of XXXX, Nebraska.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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. 

With that being said, why hasn't Transunion and XXXX XXXX XXXX XXXX removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on Transunion and XXXX XXXX XXXX agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Starting XX/XX/XXXX at XXXX I applied for a credit card with Capital One after getting approved and notified that my card was on the way I was prompted to log into an account that was fraudulently setup in my name XX/XX/XXXX. I explained that this accounts was not me and expressed that I need the account completely closed so that way I can make my own account. They stated I can not do that at the time due to customer protection not being opened. The next day at XXXX XXXX I gave them a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant provide me with a log in or any information in reference to the account even though I gave them my full social security number to pull up the account as well as my first and last name. They refused to give me the information about the account as well as would not even provide with the last name of the people I was speaking with. That afternoon I went to my local sheriffs department gave the deputy authorization to speak on my account and they gave information, but only the last 4 of the account numbers and that in XXXX hours my account will be closed and I can recreate one to access my credit card that I just applied for. The next day on XX/XX/XXXX I called in before attempting myself they stated it was all ready and I can create another account. This is information was false as well as they kept changing when my account where closed during this process. They told me I have to wait another 24 hours and gave me the same explanation the past 2 days. Frequent told them about the situation and how all this is going on. Today I spoke with a manager he laughed when I asked to speak with his supervisor due to managers not assisting me then stated he will be the highest I can speak to. He told me he would get me transferred to a department that can assist me a voicemail played that said due to the status of your account we cant assist you and then it hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I thought I called chime by XXXX  chime online because I wanted to update my atm withdrawal amount and the person said he could help me but he scammed me out of XXXX Dollard and I debuted it with chime and they denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
On XX/XX/2023 I wrote a QWR to the Servicer at Midland mortgage requesting an answer regarding the House Joint Resolution 192 and the Emergency Banking act. 

If I am a natural woman without the ability to pay with gold and silver in accordance with Article 1 Section 10 of the constitution. 

And Midland Mortgage fraudulently received payment via a signed promissory note where they have collected from the TRUST for XXXX XXXX XXXX, why do they continue to request payment via Federal Reserve Note.

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 2023-08-29
Company: Affirm Holdings, Inc
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have numerous emails from affirm from XXXX XXXX stating I owe them & XXXX from XXXX XXXX. 
I do not have a visa XXXX in my XXXX XXXX profile, nor do i have this account. 
I believe Affirm is doing some kind of fraudulent activity. 
They are asking for my banking information, driver 's license, passport and social security number, which i will not give them. 
Even if i wanted to give it to them my account is frozen, I believe its fraud because on XX/XX/XXXX, they took unauthorized funds of {$10000.00} which i knew nothing about to open a savings account with affirm. 

I think the whole company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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