BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been requesting that XXXX XXXX  close my online savings account for several weeks. Two requests were via the bank 's internal email on XX/XX/XXXX and XX/XX/XXXX. Two were phone calls to the bank 's customer service line ( XXXX ) on XX/XX/XXXX & XX/XX/XXXX. XXXX told me that the department that closes accounts is very busy. But I find this silence and lack of follow through highly unusual. My savings account is still open ( with a XXXX balance since the beginning of XXXX ). I also placed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX with no results. XXXX XXXX  has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CUSTOMERS BANCORP, INC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in the mail several weeks ago from Customers Bank. I had never heard of that organization and certainly never opened an account with them. I called their fraud department and left a message but never received a call back. 

Several days ago, I received a statement in the mail for a checking account. It shows that an amount of {$2500.00} was deposited, and then immediately withdrawn. I called to report this and actually spoke with a person. She was unable to close it, or even add a simple note saying that this was likely a fraudulent account. She redirected me back to the fraud department 's answer machine. 

It shouldn't take several weeks to even get a response to a clearly fraudulent activity. I also don't understand how this Customers Bank didn't detect this on their own. A large deposit followed by a total withdraw should clearly raise some red flags.

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 2022-06-24
Company: Continental Finance Company, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have starting recieving calls from " XXXX XXXX XXXX '' ( XXXX ). 

The callers were very aggressive and demanding that I " verify '' my personal information so that they can share with me what they are calling for. I refused to verify my personal info with a strange caller and they refused to tell me what creditor they were calling for. 

They said I can go online to XXXX XXXX XXXX and I also called them back and another person answered the phone but knew exactly who I was and continued arguing with me because I wouldn't " verify '' my personal information. 

On the second call, they didn't ask for my personal info, but immediately stated that they were collecting for a specific credit card account that I do not owe a debt for.

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 2022-08-22
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently had 2 companies XXXX XXXX  XXXX XXXX & Discover ) send me a letter and a call to my mobile stating that my application was denied. I already have a closed account with XXXX XXXX XXXX  and never had one with Discover. I was not in the process of getting new cards or accounts with either 2 companies. I checked my credit report company and there were no inquiries on these 2 or any other companies that I am aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts on my credit report that aren't 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # 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.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Data breach and may 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.

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 2023-08-18
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2022-06-24
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 719XXXX 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 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 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-08-18
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:
Experian Please verify proof of the debt, application and a written hand signature of reporting amount XXXX XXXX Potentially Negative, Balance, Balance updated 2. Reported a debt of unknown amount {$6100.00} debt summary 3. reported 5. closed closed accounts4. 23 unknown hard inquires and multiple ] XXXX  soft inquires reported without my written consent and privacy adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I am demanding verification hard copy proof of reporting negative improper damaged character and use of my Credit card which I do not have the benefit of and invasion of my privacy

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 2022-06-06
Company: D.B.F. COLLECTION CORP.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX  I was renting an apt from XXXX management. This was during the pandemic and the rental company agreed to let me out of the lease and not have to pay back the 3 months rent that I owed. They told me I have to make a payment of XXXX and we would be " settled ''. Unfortunately, I am not an attorney or have an experience with this and we did this all by phone. On XX/XX/XXXX DBF collections represented by XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX, contacted me and told me I owe the landlord XXXX. I explained my side of the story to them, they told me they would not take any action until the situation was confirmed and resolved. This was false as they reported my alleged debt to a credit reporting agency. I asked for a court order proving that I owe money and was told they do not need one. I attempted many different times to resolve the debt and was told that its not on DBF, that the landlord does not want to resolve it on my terms.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I fill that they overcharged me in high interest and fees

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX  Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2022-09-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted my bank BMO Harris regarding multiple charges on my account that were from from XXXX XXXX which was a total of 4 transactions. I explained to BMO Harris that I attempted to contact the merchant XXXX XXXX to advise them of the fraud charges but they refused to help me and asked me to show them proof that the charges were in fact fraud, which I explained to them I have no way of proving other than explaining I did not make nor authorize the transactions. The merchant continued to refuse to assist me with the fraud charges and getting my money back. 

While on the phone with BMO Harris I explained the above and advised them of the fraud transactions and that I did not make, I did not authorize those transactions nor sign for any of these charges. I received a letter via email that my claims department advising my claim was denied due to proof the merchant sent in. I contacted BMO Harris to inquire what info the merchant could have provided that indicated the charges were valid. The representatives explained the merchant sent them pictures of that the deliveries were made and placed in front of a door. I asked what the door looked like and what the picture looked like and what was explained was not what is in front of my home nor is what is described to be my home and I explained this is not my house. BMO Harris refuses to communicate with me to verify the pictures, send me evidence of the pictures and wants to hold me responsible for fraud charges I DID NOT Make. I am filing this complaint because they are failing to give me money back and able to prove that these charges are in fact valid and delivered to my home address that is on file with them and on my Drivers License. I have provided some attachments below. I am requesting assistance in obtaining my money back from BMO Harris Bank.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there

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 2022-09-19
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
First they lock my save and spend accounts and provide no reason why they did so. 
Then they demanded a copy of my most recent bank statement and copies of my drivers license. The license made sense but my bank statement? The way it had to be transferred to them does not seem secure but I begrudgingly did it in the hope I could get access to my own money again. That didn't work even though I was told that was all they needed. They then wanted additional IDs and for me to send photos of myself which seems really freaky. 

After going back and forth with this over a couple weeks I finally demanded they close my account and refund. I had to demand this several times over the phone and email and they continued to ignore me. 

I finally broke down and submitted a XXXX  complaint demanding they close the account and refund my money to my primary bank which was linked to my save account. Within a few hours I received a bubbly email letting me know that they were responding to my request and closing my account, they would then electronically deposit my funds back into my account. 

After several days I contacted them yet again to find out where my money was only to find out that instead of transferring the money back into my main account, as they promised, they mailed a check. 

The check never arrived at my home. 

Finally after several calls to their customer 'service ' department we find out that they mailed the check to an old address that isn't even on our account and hasn't been since XXXX of this year. 

The customer 'service ' representative begrudgingly agreed to send us another refund check this time to the correct address but adamantly refuses to expedite it in any way. Unfortunately that check was not received either. 

There are so many of us talking on social media about having these exact issues with this corrupt company that I'm shocked they are still in business. I know they have lost multiple class action lawsuits for their fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing an unpaid collection of {$880.00} on behalf of XXXX. The company that is charged to collecting the debt is Convergent Outsourcing last reported XX/XX/XXXX. The debt is showing on my credit report and the debt has been duplicated with another agency as well reporting to the credit bureau on XX/XX/XXXX. XXXX XX/XX/XXXX I made successful payment arrangements with XXXX XXXX the other agency also charged with settling the unpaid collection of {$1600.00} on behalf of XXXX to resolve the debt. I have only XXXX with XXXX. The account was opened in XXXX to XXXX. I do not understand why this collection is showing on my credit report from XXXX companies, different account balances, and both companies representing 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 2022-11-28
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I requested a student loan refund for {$10000.00} on XX/XX/XXXX with Aidvantage. 

My student loans changed providers on XX/XX/XXXX ( XXXX to Aidvantage ). I called for updates on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of refunds and received no helpful information or status. to my knowledge there has been no movement on this request. Tomorrow will be XXXX weeks since my initial refund request. 

Thank you!

Company response to consumer: Closed with explanation