BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: S Foreman & Associates Inc
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
In XXXX of 2015 I contacted XXXX XXXX from S. Foreman & Associates about Credit repair, I paid her {$100.00} a month for 6 months and has seen no results on my credit report, I emailed her on Thursday, XXXX XXXX, 2015 to let her know that I no longer need her services and to refund me my money with in 10 days or I was going to report her to the FTC and the Consumer Financial Protection Bureau, she send me an email back on XXXX XXXX, 2015 to proceed the way I wish cause no laws have been broken. I called the Commissioner of Financial Regulation to find out if she was licensed and was told that it 's an application pending and that she is not suppose to be doing any type of Credit repair until the license is approved. She has also called XXXX posing as me which I did n't know until she sent me the email telling me she contacted them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
After years and years and numerous attempts of proving this account has been paid and this company taking money from my checking account, they are still trying to take my money. I have proof there is no such debt and they have no proof that there is an unpaid debt. This harassment is causing such anxiety that I am unable to sleep at night wondering when I am going to wake up and be penniless again. This is complete fraud and harassment and I want it to stop immediately and be refunded the amount they have already stolen from me. If you call the attorney 's office, you have some so called lady answering telling you " you should pay your bills. '' This is unfair and unjust and this is my XXXX complaint and no one is doing anything about it. UNIFUND CCR PARNTERS is scamming me and I want this to stop. I really do n't have the money to hire any attorney but it is looking like I am going to have to in order to get any help as I do n't want to be stuck having to borrow money after they have stolen my checking account again and have to pay numerous overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I received a collection notice from Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited a cashiers check to Wells Fargo from XXXX on XX/XX/2016 Received email on XX/XX/2016 staring the funds were going to be held until XX/XX/2016. Called Wells Fargo and they stated that the person that account held had returned checks..impossible as A ) Its written on the XXXX Account..NOT my husbands account. B My husband does n't have checks..the whole reason that required us getting a cashiers check.

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 2016-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ok well i have complaint on file against Wells Fargo home mortgage, this update is an addition to what has been updated. We hired XXXX XXXX to represent us and submit for approval of modification. All our income documents are in place and were submitted properly. Apparently now Wells Fargo is lying about our actual monthly income.. They are lying and just denied us for income.. They are criminals they changed our monthly income on their own they have no right to state we make less than we do monthly!! They denied us a modification, It was denied under fraudulent changes that they decided to do., Our income qualifies us!! Our attorney just put appeal with them!!! Wells Fargo deserves to be shut down!! how dare they lie and change our monthly income.. I believe they have complete idiots there that do not comprehend how to figure income since ours is from more then one source. Our attorney even submitted with the breakdown of our monthly incoome!! Someone must stop them from lying and trying to decline us once again!! this must be brought to the media! I reported this situation to congress and other agencies! who will get this horrific company to stop trying to lie to foreclose on us?????

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 2016-06-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I have sent numerous letters and made numerous telephone calls of complaints to Wells Fargo Financial National Bank in regards to my XXXX Account : XXXX and receiving defective furniture from XXXX XXXX. My issues still has n't been resolved as of today. I been attempting to resolve the my issue with Wells Fargo Financial National Bank and XXXX XXXX for almost 1 year now.

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 2016-07-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I got my student loans with Key Bank starting in XXXX 2000. I have been in repayment for 3 years. I recently had major surgery and was out of work a couple of weeks. They called me twice a day until I made my monthly payment. Every time they called I would ask to connect with a supervisor and after XXXX minutes I would finally get through. I asked for graduated repayment or any other assistance they might offer several times. Even in the hardship I was in I was told I am not eligible for any of those programs because I have been in repayment longer than 18 months and they no longer even give student loans so there was no department I could appeal to. Every bank I look into has much higher interest rates or do not accept balances as high as mine. I attended XXXX College which is a private school with high tuition and I 'm paying a student loan that is as high as a small mortgage. It 's a real struggle seeing as I 'm only a XXXX. Any guidance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: GLOBAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received an email that on XXXX XXXX, XXXX  Global Credit Union would be changing over, I have been a member for 20 years plus. On XXXX XXXX I went online to input the 3 steps to change over I keep getting error after several trials I stopped. The next day I tried again keep getting the same error then it said your switch has been made. I tried to login but I couldn't, I tried to call GLOBAL Credit Union old telephone number but it was not working. 
On the Webpage there was a new telephone number but it couldn't be working until days later. On XXXX XXXX, I called the new number and got to speak with two people. The first was the clerk he asked for my account number : I gave him the only acct number I knew which was the old GCU account number he called me a name I didn't recognize, ( XXXX something ) I said that is not my name. He then asked for my social security number. He said he had my account. I asked for my balance. It was very low and very wrong I told him the balance is not correct I should have much more money. I also said I knew this switch would cause problems, I asked who do I need to talk with about my balance. I asked him several time before he said I ( he said he was putting notes down about my account ). 
I was put on hold again. The hold times were sufficient so lots of people must be calling in. Finally, I Speak to the higher up person. I explain that I was having problem with account, my account balance is not correct and I can not log in to online banking. He was nice and we went through create an account for online banking. I can see my balance now again I told him that the account balance was low and not correct. I asked to see my account history. He said he didn't have it. I asked ; how can you buy out a company and not have our account history. He said they ( GCU ) only sent the last month of XX/XX/XXXX. That was the only history I could see online. I asked and stated that it was fair that we couldn't see our history. He said I could request the last month history. I said that not going to tell me much info about what went on with my account, He said that was all he could do. 
I received my new account number from the higher up person, that was how our new banking accounts were created. I am thinking if you using the same name ( Global Credit Union ) why create new accounts without the customer there to see the process. What I want : I need the old Global Credit Union to supply me with my bank account history from XX/XX/XXXX until the present date. The Alaska Credit Union that took the name of Global Credit Union should help us save this problem. My monies need to be put back into my account. 
The bank statement online format looked different, faked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been working diligently to repair my own credit. My credit score was XXXX XXXX weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping everyday for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All three credit bureaus are reporting my score inaccurately. My utilization is 27 % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

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 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have faxed and uploaded the letters to their web page that says for them to deleted the information they still have not removed the information. I have attached the letters I received and sent this information to Transunion also several times. 
1. XXXX / both should be deleted 2. XXXX / should be deleted

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 2016-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. 
I have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017 upon looking at my credit report i saw that inquiries from XXXX, XXXX XXXX XXXX, XXXX, XXXX , XXXX and XXXX had been removed from my Transunion report on XX/XX/XXXX. Then on XX/XX/XXXX inquiries for XXXX, XXXX, XXXX ( XXXX were added ), XXXX, XXXX ( XXXX were added ), XXXX, XXXX. I did not receive notification on such changes to my report within 5 days as stated in the law. I am requesting TRANSUNION DELETE these inquiries as they are in violation of the law.

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 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My XXXX Credit Card A/C ( XXXX ) information does not appear on my TransUnion Credit Report. 
1 ) I contacted XXXX - They said XXXX is reporting the A/C information properly to TransUnion. 
2 ) I contacted TransUnion - They said the A/C information is not there. 
3 ) Both XXXX & TransUnion will talk to me independently but not with each other. 
I do not know how to resolve this issue - so I am contacting you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent a direct dispute to XXXX about the account they have on my credit file. They sent a letter back stating the account would be deleted from my file within 30 days. However, TransUnion still has the account listed on my report. Which is hurting 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 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Have put att on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years

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 2016-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! )

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 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Tranunion refuses to investigation my dispute of wrong balances and/or dates of collection items. They gave me no proof that they even tried to investigate!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion disputes department, continue to reports my credit information wrong. They have been reporting negative credit account. Transunion continue to disregard chapter ( XXXX ) bankruptcy. They reject the I file chapter ( XXXX ). Several company have report the account report they refused to, continue to reported these items, collection, number account with delinquency. To few pay as agreed. Transunion have cause me not to have access to credit. Adverse public record. I a low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 2016-07-18
Company: Arbor Residential Mortgage LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seneca Mortgage Services is a predatory company and my case is the smoking XXXX. Their business model can be outlined in three very simple steps : 1 : Buy delinquent mortgages from upstanding banks In my case, my loan was purchased from XXXX after I fell behind on my payments while experiencing a physical hardship that made it impossible for me to work. 
2 : Make sure the consumer FAILS at a loan mod or repayment program. 
This is something I DID NOT FAIL TO DO. All of my payments were made, in full, and on time. However, this is the " smoking XXXX '' I mentioned earlier. 
3 : Send the failed mortgages to Sheriff Sale so they can make money on the sale of the property. Self-explanatory. 

While on vacation, a letter notifying me of my property going up for Sheriff Sale was placed on my door. I did n't panic because I knew all payments were made. 

Basically ... they EVEN tried their three step plan on me. On a loan that was no longer delinquent, or had ANY OUTSTANDING PAYMENTS. 

If they tried this on me ... they 're trying it on everyone. PLEASE HELP STOP THEM.

Company response to consumer: Closed with explanation