BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2022 at XXXX I went to the ATM to withdraw my funds from my Direct Express Card that I receive SSD benefits on. My card was expired at the end of that day. 
I didn't realize it till then. 
I quickly tried calling Direct Express, and thru the automated system was informed I had been sent a new card on XX/XX/2022. I never received another card! 
On XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX of XXXX  I have tried to get customer service to help me over the phone 102 times, only to be hung up on by the automated system! 
All the money I have is on that card and apparently there isn't any live agents to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Im using Google Pay to receive rent money from a tenant, after leaving another service, XXXX, for a similar problem. Google Pay company demanded a government ID, so I submitted a copy of my bonafide US Passport Card. I also submitted W-9 information. The website has told me Google Pay cant verify my identity and refers me to support. The support is chat ( s ) and call centers based in the XXXX. First, I have a problem with foreign nationals handling my personal information, especially after the Patriot Act. This is absurd due to all the data mining by the XXXX  and XXXX. No foreigners should be handling social security numbers nor personal data of any kind. Second, none of these XXXX  are capable of making decisions nor resolving anything. GOOGLE makes Americans available when you are paying them for XXXX XXXX but when you need assistance with Google Pay no decision makers nor managers are available to resolve snags like this. Either Google Pay should be upfront and collect information before allowing a transaction to take place or not offer the service at all. Especially when dealing with relatively small dollar denominated amounts. Google Pay shouldnt be authorized to this kind of financial service without offering banking and credentials supervised by the Banking Thrift or Fed. My solution for now is to give me the money that is in process and then be sanctioned for suckering consumers in with free services only to whipsaw them later. They should issue a public apology and be forced to open call centers within the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged me an overdraft fee for the account being overdrawn by couple of dollars. They charged a hefty {$35.00} for that.     Usually other banks do n't charge you such overdraft fee if the account is withdrawn by {$5.00} or less. This is definitely deceiving.     The other thing is that it did n't even show any negative balance so I can go and deposit some funds to cover this overdraft. I had  an   XXXX   XXXX    Credit Card charge of {$4.00} and another restaurant charge ( was still pending final amount ). Once those  XXXX  charges have posted, I was hit by an overdraft overnight. It usually shows a negative number ( marke d in Red ), and this gives the chance for me to go and deposit some money to bring that number back to positive.      On the other hand, my account cut off time is  XXXX   XXXX  ET ( While I am living in California ). This should be always  Pacific Time a ccording to my residence. So Whenever I need to protect myself from account overdraft, I always have to think of Eastern Time which is  3 hrs ahead of Pacific Time. ( While I am living in California ). Its definitely frustrating.

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 2022-09-13
Company: EQUIFAX, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan #  XXXX  Lender :  Wells Fargo Address:  XXXX   XXXX   XXXX ,  XXXX   ,  MD  XXXX .   I applied for loan modification f or over 15 times, at my count, and Wells Fargo denied them all. The last loan modification was denied on the ground that I was financially sound. I suspected it was a pretext. I called Wells Fargo and offered to make payments, since they determined that I was financially viable, and I am. They r efused to take my payment. I protested and asserted that it was not a ground for denial of loan modification.  XXXX   XXXX  whom I spoke with said that I was denied because I had equity in my home. I protested again, asserting it was  not a lawful ground to deny modification. WF said I had one option, namely, to short sale my house. WF had no intention of giving me loan modification, even though they were bailed out with taxpayer funds during the housing crisis and they used the money to buy Wachovia, which was how WF acquired my loan. WF manipulated interest rates, failed to credit my payments, canceled my low-rate insurance and forced one on me with high premium in which they were paid kicks. WF refused to acknowled ge my hardships ranging from my sons debilitating illnesses, my wifes illness, my daughters death, my  XXXX  income as a   XXXX    from  XXXX  to  XXXX , so that they would not forgive the delinquency, give me a rate down, give me principal reduction, forbearance, etc. The evidence of using equity to deny loan modification is demonstrated in the attachment.

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: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern, I am submitting this complaint regards to a transaction in the amount of {$660.00} made on my Wells Fargo Cash Wise Visa card ending in XXXX on XX/XX/XXXX ( Dispute # XXXX ). 

I am owed a full refund on this purchase as the merchant did NOT provide the services that had been promised. Effectively, the merchant charged me for services that they did NOT provide. I had to pay the merchant before any services could possibly be rendered. However, after paying the merchant the full amount, the merchant FAILED to deliver and repair my vehicle as promised. And now, they're trying to claim money ( {$660.00} ) that does NOT belong to them as they rendered NO services. 

I contacted the merchant on XX/XX/XXXX and they confirmed via email that a full refund IS owed. 

I would like a full refund at this time as I will NOT be paying {$660.00} to a merchant that did NOT provide the services that had been promised. That is beyond deceitful and moves into the territory of fraud. As such, I expect a full refund especially since the merchant themselves had now confirmed that a FULL refund is owed.

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 2022-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company Name : Portfolio Recovery Associates , LLC Violations : 1 ] Attempting to collect on a charged off debt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 2 ] Attempting to mislead me about the status of my charged off debt. ( XX/XX/XXXX ) 3 ] Calling my phone number on XX/XX/XXXX, after I had called back and put in two separate Do Not Call requests with the company ( XX/XX/XXXX and XX/XX/XXXX ). 
4 ] Calling my phone number on XX/XX/XXXX, after I had explicitly put in a Do Not Call request with the company on XX/XX/XXXX. 

This company began calling me in early XXXX, attempting to collect a debt on a credit card that had been charged off in XXXX and was set to be removed from my credit report in XXXX. When I called back the first time, I advised them they were collecting a charged off debt and asked to be placed on Do Not Call. They called back 2 days later, so I called back and requested Do not call status again. This morning, they called me back at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, XXXX XXXX has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for XXXX XXXX to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In  XXXX   XXXX  I hired  XXXX   XXXX   XXXX  to work on my credit report to remove negative and inaccurate information, which was done ; however in  XXXX   XXXX  when I pulled my credit report I noticed that an account from  XXXX   XXXX  was reinserted back on my credit report, which is a violation of my rights under the FCRA.     I submitted a dispute to TransUnion,  LLC  informing them on  XXXX   XXXX ,  XXXX  sent the letter certified mail which they received on  XXXX   XXXX ,  XXXX  that the account  XXXX   XXXX  was deleted off of my TransUnion Credit file on  XXXX   XXXX ,  XXXX  ; and that they did not follow the guidelines according the FCRA requirements to reinsert the account.     In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii ),   you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion I writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was told by TransUnion that is incorrect and that anything can be reinserted on my credit file if it belongs. Also, they did not even review the letter that was submitted to them -- the representative informed me in was just scanned in my file and never looked into.     I am requesting that because TransUnion remove this item off my credit report as it did back on  XXXX   XXXX ,  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, 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:
on  XXXX / XXXX /  XXXX   I submitted in writing a dispute to Equifax stating I disputed the  XXXX   XXXX  collections reported on my file. After not hearing back after they received the letter I again reviewed my file and all it stated was validated, this is again what I put in writing to them that the word validated does not satisfy the dispute. I want to see my signatures for the balances they are reporting. I called them on  XXXX  and was advised by "  XXXX  #  XXXX , that the dispute was validated, again I asked for the validation to be sent to me and she continues to say not her issue. I advised her that I have disputed with  XXXX   XXXX   XXXX  and they never sent me any documentation.  XXXX ,  XXXX  stated that it was n't her issue, since they " VALIDATED '' it was on my file. They have since marked my entire credit report as Disputed. This is crazy why would I dispute my entire report. I need assistance on getting this corrected since they do not seem to have any rulers or regulations when reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Collection Agency Hayt, Hayt & Landau representing themselves as LAW OFFICES representing XXXX XXXX XXXX Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in XX/XX/XXXX. The company had previously changed names from XXXX to XXXX. I have bank statements showing final payment of {$200.00} in XX/XX/XXXX. No other bills were received after that date because the account was closed at my request in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed fromXX/XX/XXXX throughXX/XX/XXXX. During this time I fell behind with my mortgage. I applied for a modification and was denied based on M & T Bank internal requirements and not FHA guidelines. I was told that I need my mortgage payment to be 40 % of my income.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have attached a file with all incorrect information on my credit report. I went in to a dealership to apply for a car loan and found my credit ran numerous times without my permission, causing tons of inquiries to be added to my report.

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 2022-04-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a Settlement Offer from : I.C. System, ref # XXXX Dated : XX/XX/2022 Amount Owed : {$920.00} Settlement Offer : {$460.00} Creditor : XXXX XXXX PS : I have never had account with XXXX XXXX, nor had I ever received statements from XXXX XXXX. 
I definitely think it's a SCAMMER tried to SCAM {$460.00} from anyone who could not think clearly!

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 2022-09-13
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
MY XXXX XXXX XXXX LOAN ACCT XXXX .... WAS PAID OFF IN 2015 BUT IT'S REPORTING AS A CHARGED OFF 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 2017-06-13
Company: ACCESS GROUP INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on a payment plan where my account is automatically debited each month. I called to request a debit be cancelled as due to unforeseen circumstances I can not make the payment this month and the payment will likely bounce and I was told they could not cancel it. I said I thought regulation  E  allowed for this to be cancelled and was told it could not be cancelled since in  XXXX  ( 6 months ago ) I asked for a similar hold. I again mentioned that i can not make the payment and need to cancel it and was told i could not and a  manager  would call me back.

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 2017-06-13
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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:
After reviewing my credit report I show that I have a negative account fro m Universal Acceptance in the Amount of {$4300.00}. I have no knowledge of this a ccount. When ask for documentation to prove verification, I was denied. I understand that this was transferred between companies and it seems no one can provide me with the information that 's needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand to verify the accounts you listed wrong status in my report - I have never paid them late :  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation