BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX, XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number:XXXX. Please remove phone number that doesn't belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : ENHANCED RECOVERY COMPANY- account # : # XXXX, XXXX XXXX XXXX account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Account status incorrect

Complaint:
credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed

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 2019-12-09
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was unknowingly a victim of a scam on XX/XX/XXXX of this year through Cash App. Some guy named XXXX XXXX removed all of my money out of my account to buy bitcoins without my permission. I had a total of {$53.00} on my card and he left me with {$0.00}. Ive been contacting the cash app team so that I can get my money back. And its been extremely frustrating. They locked my account on Thursday due to unusual activity and I have find in the account that I can not use. This guy was supposed to be reactivating my old card because I found it after I requested a replacement. And he took my money without my permission instead. And he later called me from several numbers to make fun of what he did. And he also told me to download a XXXX XXXX to freeze my phone while he removed my money without my permission. I really do hope you guys can help get my money back, because I really need it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX XXXX  ( XX/XX/XXXX2018 XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and # : DEPTEDXXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nationstar Aka Mr. Cooper failed to report my mortgage account as paid in full to the credit bureaus, the account was paid in full as of the beginning of XXXX of 2022. I worked very hard to paid this account off therefore the account should be reported in a timely matter. I attached a copy of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2014 I got married to a man I had been dating who was a XXXX citizen. Shortly after we got married, he asked me to add him to my Wells Fargo checking account to help him establish his residency and our relationship for his XXXX application. I agreed, believing that if I was allowed to add him to my account, that I would be allowed to take him off, should our marriage not work out. Well, the marriage did not work out, and when I called Wells Fargo to have him taken off, I was told I needed to go into the branch. I went into the branch and tried to take him off of the account, and was told I would have to close the account. I told them I did not want to do that. It was then suggested to me that I open a second account and transfer the funds from my main account into the second account so that he could not access the funds. I decided to try this option, since I did not want to close my account. However, he would wait until funds were deposited into the original account and immediately start spending. Sometimes I had to have money in that account because there are automatic withdrawals ( my car payment, loan payments, attorney payments, etc. ) which then sometimes would " bounce '' because i had transferred only the amount of the automatic debit, and then he would make charges on his card and there would not be enough money to cover the payments that I anticipated making. This cost me fees and late payment charges. Like I said, I can not close the account, because I have direct deposits and automated debits connected to this account which have been set up since I had the account and I do n't even know who to contact or how to get the information to set that up with a new account. And I do not wish to go through all of the time and aggravation doing so. Had I been told that I would not ever be able to remove him from my account, I would never have added him in the first place. Had it been suggested that I open a second account and just add him to that XXXX ( before, rather than after the fact! ) I would have done that. 

Since my husband and I have separated, he has repeatedly obtained cards to this account, and spent approximately {$4000.00} of my money -- since he has never, not in the entire course of our marriage, nor since our separation, deposited any money into this account. He has gone into the branch and taken money out, he has had debit cards ( in his name! ) sent to his new address without my knowledge, he has done all of this despite the fact that we are separated and there is a restraining order currently in place and divorce papers have been filed. I demand that Wells Fargo assist me in REMOVING him from my account and that they allow me to keep the bank account that I have had with them for many years. I do n't know what else to do other than ask for the assistance of the CFPB in this matter. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank XXXX, via web pay bill, paid my mortgage to Wells Fargo on XXXX XXXX 2015. For over a year Wells Fargo had received payments via this method and applied the funds to my mortgage. This time Wells Fargo did not apply the funds to my mortgage but instead somehow misplaced and lost the payment. It took nearly 5 weeks for Wells Fargo to locate and return the money. Meanwhile I had to pay my mortgage again as to not be late on my payments. Wells Fargo refused to pay any interest on the money they held and did not compensate me for the over drafts on my account due to having to pay my mortgage XXXX in one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CITIBANK, N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for the loan in XXXX 2013 because an emergency had come up and I needed cash quickly. I was given a loan of Approx {$3500.00} from Onemain Financial. The rep informed me at the time that it would be a 60 month loan and after all the payments were made I would have paid back {$14000.00}, to which I asked " I could pay off off early and not have to pay the extra interest right? '' and was informed by the rep that I could. I was not willing to pay $ XXXX in interest on a {$3500.00} loan and I voiced that and was assured that I could payoff the loan and not have to pay the extra interest. When I attempted to payoff the loan within a year of applying I was told that the balance was $ XXXX and all of my payments had been going to " interest '' ... I feel as though Onemain were very deceitful in their loan process and I was blindsided into agreeing to this loan that is wrong and illegal in so many ways.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I only owe on XXXX student loans. Wachovia whicj turned into wells fargo claims i owed them. For years i have disputed only on their account, asking for paperwork. Something about the loan to see if i owe. They never responded. I opened a bank account with wells fargo, no one at the bank said i owed anything with student loans. When you open account with wells fargo they claim to run your social security number to see if you have any other financial relationships with them. They didnt inform me. If they did. I wouldnt of felt comfortable opening an account with them. I had an account with wells fargo for 6-7 years. Not at anytime have they sent me a letter on the student loan. No one ever called me to collect debt. And wells fargo had my current information. I had an active account with them. Years later i fell on hard times, i XXXX, my children and i were in a shelter. I had just finally received my income tax. Wells fargo withdrew {$6000.00}. From my checking wih out any notice. I called wells fargo and complained. Again asked for proof, they stated they dont have to give me proof. I said yes you do, refund my money. The man who was supposed to be my account manager who never contacted me. Got nasty with me. Rude. Even laughed when i told him i needed my money. That i am in a shelter, i have a XXXX. I continued to ask for proof, paperwork, i dropped out of college. Maybe the school took out a loan on my behalf and kept the money. I dont know. I know i dont owe wells fargo. Only on my federal student loans which has always been in good standing. Till this day i have never got my money back. No proof, no information on the debt that i requested so many times. Even the credit bureaus erased the information because Wachovia never sent me information on the debt they claimed i owed. Plain and simple. Wells fargo/wachovia never contacted me, never provided information about the debt. And out of no where just withdrew my money at the worst time. The account manger in the student loan department got nasty with me. Rude. I asked to speak to his supervisor. She said she wasnt giving the money back. And that i need to contact the school. I did contact the school and no one got back to me. If i got a live person they would transfer me to a machine. And no one has returned my call. I still till this day have never received any information and they just stole my money from my account. I believe this was a fraudulent loan. No one provided any proof or information

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 2017-05-20
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX / XXXX  I, checked my credit report. I found that a debt in the amount of {$6100.00} was added to my account from "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX ,  XXXX . When I checked this debtor, I found out that it was for a now-defunct  XXXX   XXXX , which I did attend ( in  XXXX   ) , but I did not owe any money to as I strictly used federal funded loans, and no other loans for my education. I find it more than suspicious that I owed nothing to  XXXX   XXXX  at all when I left in  XXXX  or in any years, until this cropped up on my credit report in  XXXX .     There was no debt owed to this school in any amount of money and now  DEVILLE ASSET MANAGEMENT loc ated at  XXXX   XXXX   XXXX ,  XXXX , TX is on my credit report as the collection agency in charge of this so-called debt. his company is ruining  my credit score with this bogus and unsubstatinated claim that I owe them a debt. There have been no attempts to contact me in order to validate the debt and I 'm sick of this garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Wells Fargo ) contacted me with a letter saying that they were going to start the foreclosure process on my home I own. I contacted them and they told me that I missed my XX/XX/XXXX payment. I told them that was impossible since it comes out of my account automatically. I then furnished Wells Fargo with an official letter from my bank ( XXXX XXXX ) with a trace # showing that the payment was made back on XXXX XXXX. To this day they still have not resolved the issue and my credit is suffering due to their mistake. Today I received a call from a lady saying they needed more information from my bank and that I had to get it for them. I told them to email me what they needed and she said they did not do that. I called my case manager who has been handling this for almost a month now and he is away for the weekend. Enough is enough now. My credit is suffering and I am getting collection calls from the bank because of their error!

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 2018-07-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
I placed an order with XXXX XXXX XXXX via XXXX for 2 chandeliers on XX/XX/XXXX. I didnt receive my order til XX/XX/XXXX, and upon opening the package, half of the glass strands were broken, rendering them unusable. I notified the seller, and was told they were sending replacement parts out. I waited, and waited, and never received the parts. After waiting, what I felt was a more than sufficient amount of time, I filed a claim with Chase and reported the damage items. Chase filed a claim on my behalf, but I am being told it was denied due to being over 120 days from date of transaction. The reason for the delay, was for 2 reasons, the length of time it took to receive the order, as well as, trying to resolve with seller, before filing a claim, as I am required to do. I paid {$570.00} for damaged goods, and deserve to be refunded. The delayed claim was of no fault of mine, and I should not be forced to pay for goods that are damaged and unusable. I am seeking a refund that is rightly owed to me. I have all documentation and picture evidence of the damage items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I tryied to log in on my account an everytime I try to log in it tells me my username an password doesnt match an I have all of my incomtax an stimulus check money on there I have been trying to contact bluebird by American Express for a two weeks now an i stay on the phone for 11 hrs at a time an I get no answer they are doing me very wrong I have a lot of my money on there an I cant access none of it please help they need to answer the phone at customer service its like they packed up an left Im broke an need my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.

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