BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank periodically does not allow me to log in to my account, and at times it takes up to 3 months before they are able to fix the problem. This lack of access to my account does not allow me to access information or make any transactions other than use my ATM card. I never had this problem under my old bank. It only started when that bank was taken over. From what I have been reading, the present bank has fraudulently been using some of their customers ' money to open unauthorized accounts. I have been told that I can make a wire transfer of funds, but that would cost me {$40.00}, which I would not have to pay if I had access to my online account. This appears like a way for the bank to charge me an unnecessary fee.

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 2015-05-16
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My dad had me added to his bank account for emergencies so i could access his money to take care of his dog or pay his bills if he was in hospital. The bank used my social security and drivers licence information from this account instead of his to give him a credit card. He did not know they used my information to open this credit card because this whole time they have been sending the bill to his address as it should be. The bank has failed to correct this mistake. I found out about this credit card after I had my credit checked. I went to the bank manager and asked him the process for opening a credit card account and he said all it requires is verbally telling a banker the last XXXX of your social. I find this hard to believe. They didnt ask for a copy of his social or a copy of his drivers licence to make sure they had the right person? They will not produce a copy of this form that was signed for me to look at either. I feel stuck and this is my only credit blemish. How can they use all my info but send him the bill? I feel they used my credit just so they could get a commission on the whole deal because maybe they couldnt make the deal with his credit. I feel the bank owes me an apology as I have only been in this bank one time and that was to get on his debit card account. How are they allowed to look at his account, take my info off of it as his comes up first on screen, as the manager told me addmittedly, and give him a credit card without any verification, under my name. Our birthdates are nearly 40 years apart. They couldnt tell from looking at our birthdates and looking at him alone that the wasnt me. I find it ridiculous I have to deal with this situation. This banks system is garbage, if what the manager said is true, for allowing credit cards and I think they need to be reported for the way they do business. Any help with my situation would be greatly appreciated as I have a wife and XXXX kids to take care of and I am trying to refinance XXXX vehicles and my mortgage asap! Time is money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rash Curtis reported a bill from XXXX in XXXX as " in Collection '' as of XXXX. There was no detail about the bill except that the services were from XXXX which turned out to be incorrect. I called XXXX in XXXX on XXXX/XXXX/XXXX. XXXX reviewed my account and advised that the bill was paid in full by the insurance company on XXXX/XXXX/XXXX. There is no patient portion due. Here are more details : Date of Service : XXXX/XXXX/XXXX, amount XXXX. This went to collection on XXXX/XXXX/XXXX and was paid in full by XXXX XXXX on XXXX/XXXX/XXXX. XXXX advised that XXXX year ago they changed collection agencies and hired Rash Curtis. Rash Curtis reported everything to the credit bureaus regardless of account status. In other words, even though my account was at XXXX balance as on XXXX/XXXX/XXXX, Rash Curtis reported this as in collection because it had been in collection at XXXX time. I ca n't imagine how many people will look at their credit report XXXX day and see this incorrect report even though Rash Curtis knows that they need to review all of XXXX in XXXX accounts to ensure the amount is truly overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not sure what category this falls under but a company called Professional Inc. located in XXXX Illinois sued me for a debt that I owe to a bank located in town called XXXX XXXX XXXX. The debt is almost paid off however I noticed that they are taking XXXX dollars out of my paycheck every two weeks and it does n't seem to be adding up because they should be paid off by now. For instance, the last XXXX times I called they said they only received about 70 dollars and then XXXX dollars but my employer is garnishing my wages for XXXX every two weeks so where is the other amount going to? I know that your employer can charge you a fee for your wages being garnished but I have spoke with my employer and they do not charge a fee for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my XXXX XXXX XXXX  and cause futher XXXX The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase has a rewards program. I used my points to purchase a ticket through Chase Rewards and the flight was cancelled. 

Per the US Department of Transportation, i am entitled to a refund. 
https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds " Cancelled Flight A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' I have been working with Chase for over 1 month and they are saying they can't give me a refund because the airline is not approving them to do so. However, they won't let me talk to the airline either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX 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
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: NY
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:
I recently sent letters over 60 days ago to all 3 bureaus and they are ignoring my consumer disputes. It's stressing me out and I've been sending letters and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

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 2021-11-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have an unauthorized and fraudulent inquiry listed on my Trans Union credit report. The following inquiry is unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/15

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: Block, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company name is Cash app there cash out service is by Square Inc. in XXXX XXXX I did my first cash out the amount of {$750.00} linking my bank account from XXXX to the app. Looks like this was successful but never reached my bank account. Tried again in XXXX XXXX for the amount of {$500.00} but never got to my bank account, verify and double check bank account number and routing and contacted Cash app support they opened a case and gave me the transactions numbers to reach out to my bank XXXX for them to open a investigation. On XXXX they couldnt fine any transactions for this numbers, when verifying all information in the Cash app side they linked a random card number to my bank account. Contacted my bank and asked if from my closed cards I have anyone ending in that and they we have no records of a card with that ending numbers for you. With the bank determination I reached out to cash app to escalate the investigation but the result was the same even when I told them theres a problem with a card you linked to my account and is not mine have never been, I never added a card to this app only linked it with my bank account. I have all proof of transactions, messages, emails and letter from cash app, bank and the cash app activity. Cash app refuses to keep looking after their decision and are not willing to give me a trace number of the transactions so my bank can look forward because the transaction numbers are not appearing for them. XXXX said that they are able to find the trace number of 15 digits in the back end but Cash App denied to have access to some that that is not the transaction ID number. How is that after this two transactions they fixed the card number and all cash out went directly to the bank account. They didnt want to admit that they send it to a card they just linked there own, because before this I never used any outside cards or bank accounts to this app, I only used to receive money and used the cash card that they provided to used the money in the app like a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.

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 2015-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
After being assured by the loan originator that everything was perfect and there would be no issues in XX/XX/XXXX just now in XX/XX/XXXX I have been denied a mortgage. Of course after spending {$400.00} dollars on an appraisal and countless other {$5.00} transactions to fax over document after document to prove the most ridiculous things, from where deposits as low as {$140.00} came from to the ownership of a XX/XX/XXXX XXXX wheeler. In the end they denied me based on credit issues which have only improved over the four months of jumping through hoops. The reason for denial is a fabricated XXXX and I believe I should get a full tefund for all the money I spent due to being lied to from the start. I believe the underwriting division of this mortgage through 5/3 did not do their job properly as well as the communications between myself and 5/3 mortgage was horrible. I ended up having to reach out to the bank manager to have him contact the loan originator for me. The underwriting department headed by XXXX XXXX has had XXXX contact with me regarding my mortgage application and process for over two months. Then I simply receive a letter stating it was denied. Four months of wasted time and money and not only no mortgage but absolutely no explanation as to why. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Account # XXXX XXXX  XXXX XXXX This account is not mine i have reached out the company and they have not responded to me it's been over 30 days and i want this removed from my credit report ASAP

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 2015-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The above is what was issued for the report-case number. 

XXXX had reported an account through various agencies for over 7 years. My XXXX count was closed in 2007. I have disputed this and had it removed before due to age and they have sold this debt and reported it for close to 9 years for over 400 dollars. Now under pinnacle for {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Freedom Mortgage Company
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Recently, we sold our home for a great profit - in hopes of purchasing a new property. Upon our application for a new mortgage it was discovered that Freedom Mortgage had given us XXXX late payment marks on our credit score, this made us ineligible for any mortgage loan program. After researching the issue, we 've discovered that Freedom adjusted our escrow payment, and did not appropriately notify us of those changes - as a result the consistent payment we had been making from our bank account was slightly less money than the new payment amount. We have never missed a monthly payment, once we realized what had happened we had adjusted our payment up to the correct amount, and again recently the escrow amount dropped, and we were not notified - so we spent a few months paying slightly more than we needed to. Freedom Mortgage is ruining our ability as a family to make large purchases, and handicapping our credit for the future.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit bureau Transunion stated my account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX were properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate 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 non-monetary relief
Consumer complaint received 2017-10-13
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
I have contacted this company on several occasions to update my credit report with the correct information. They continuously report that my account is closed and does not reflect the actual balance on my mortgage. I have spoke with several managers that assured me that this would be corrected and as of today 's date, it has n't. My account is current and open and I would like that information reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Acct name Acct # n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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