BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by Trans Union, XXXX, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All XXXX hard credit reporting by the XXXX bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX XXXX XXXX XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law. 

4. XXXX XXXX balance paid in full with no balance.

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 2015-05-01
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a customer with M & T bank ... I tried purchasing a car back in XXXX 2014 ... however after realizing I was no longer interested I decided not to proceed with the purchase ... I disputed my payment and was issued a credit ... later on during the investigation my bank decided that they would honor the auto company and give them my money ... Even after I tried numerous times to prove that they sent M & T bank fraudulent paperwork and forged my signature on a receipt document ... so I feel discriminated against because I am poor and XXXX ... they treated me like trash and I 'm their customer ... they did n't try assist me or even check the documents even when I requested and begged them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed a dispute claim about unauthorized transactions with Blackhawk Network, the company shows on the back of my prepaid debit card. I had provided all the supporting documents to the company, but the company denied the dispute and refused to provide any explanation. 

The unauthorized transactions was the follow contains : Amount/ Date : {$490.00} / XXXX ATM withdraw {$4500.00} / XXXX in-store purchase $ XXXX XXXX in-store purchase $ XXXX XXXX ATM withdraw Toyal Amount : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: OK
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 tried SEVEARL times getting this FTC report to XXXX, XXXX and Experian. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them 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 2020-06-11
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried repeatedly to have them take a medical bill for ambulatory services taken off of my credit report that I should not have been billed for per XXXX XXXX XXXX XXXX and they still refuse to delete the debt from my credit report which has damaged my credit score and caused me to be denied credit. They received the same information from XXXX XXXX and XXXX XXXX and they still refuse to delete it. Every time I call them they are very rude and will not even try to listen to what I am saying. The insurance information was given to them several times before they even reported it on my credit report and a claim still was not filed correctly and they were notified by XXXX XXXX XXXX XXXX in regards to the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
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: Public record information inaccurate

Complaint:
Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX I opened an IRA with Wells Fargo - XXXX XXXX. I explained at the time that I live in XXXX, but was anticipating a pension payout from a previous employer in the XXXX. I explained that what I wanted to do was roll the money from the employer, into an IRA, then make a drawdown on the IRA and have it electronically wired to my bank ( XXXX 's ) in XXXX. 

The rollover to the IRA happened in XX/XX/XXXX, as anticipated, and a drawdown was placed into my savings. When I requested to have the funds wired through XXXX 's XXXX to my XXXX 's account in XXXX, I was told this could not happen. I was then told I needed to make daily withdrawals from an ATM to get the money. I explained there were no Wells Fargo ATMs in XXXX. Wells Fargo reported that this was the only way I could get the money. Each time I made a withdrawal from the ATM, I was charged a {$5.00} fee for using a non-Wells Fargo ATM. I was also limited as to how much I could withdraw on a daily basis, to {$500.00} ( XXXX ). After about XXXX trips to the non-Wells Fargo ATM, the bank manager at XXXX XXXX increased my daily withdraw limit to {$1000.00} ( XXXX ). 

It took me all of XXXX, all of XXXX and into XXXX to obtain the funds using the ATM, which resulted in incurring ATM charges in the hundreds, which were far in excess of what it would have costs to make a simple electronic transfer to my bank in XXXX. 

I feel I was lied to from the very start! Wells Fargo should have told me from the very start that they were not able to electronically transfer the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: CCF Intermediate Holdings LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I loan from Checksmart XXXX times. I signed up for a payment plan and was working on paying off my loan. I paid my XXXX  payment on XX/XX/2022 I called on my next payment date because I was scheduled to work at both of my jobs and couldnt make it in. Asked what I could do before the payment plan my payments were set up on XXXX  They told me they will just cash my check and once it clears I could come in for my refund. I waited for my check to clear it did. I went in to get my refund and they said I could reload but he couldnt give me my {$180.00} in cash that it would be electronically refunded in XXXXXXXX XXXX. Today is the XXXXXXXX XXXX and I havent been refunded. If they see everything cleared why would I need to reload to have cash instead of just giving me my money back. Its like they want me to have to keep loaning. If I was eligible to reload then there is no reason I couldnt be given my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are charging me some credit card charges and from a company called XXXX, where I am not responsible since they robbed me and I made the police report, they stole my ID, my cards and some cash

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 2020-06-11
Company: CITIBANK, N.A.
State: MA
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:
I followed all of the rules with Citibank 's Thank You Rewards program and earned XXXX points - a cash value of over {$1100.00}. I switched my card to a different program, and Citi allegedly made it clear to me that I had 60 days to use my points. This started on or about XX/XX/2019 - right at the beginning of Covid epidemic. I was not able to use the points in time because I was not able to reach anyone at a Citi call center to figure out how to use the points. And now Citi is saying they are going to write off the liability to me and not let me have my points and add this money they " stole '' from me to their earnings. They very intentionally count on people like me NOT being able to use their points and are very happy to steal this money from me.

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 2021-12-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Acting by authority of Title 15 USC 1635 ( a ), and 12 C.F.R. 226.23. On XX/XX/2021 I sent Rushmore Loan Management Services LLC ( Rushmore ) via certified return receipt mail ( XXXX XXXX XXXX XXXX XXXX ) my RIGHT OF RESCISSION Notice, and AUDIT TRAIL Request/Demand pursuant to 12 USC 5561 ( 4 ), and 15 USC 1692 ( g ) validation of alleged debt ( see attachments ). 

Their response, ... ( Rushmore refutes all assertions of any invasion of your privacy, or abusive, or unfair debt collection practices. Other information you have requested does not relate to the servicing of your loan or identify any specific servicing errors, is considered proprietary or confidential, isoverbroad, unduly burdensome, and/or not required to provide. ) does not satisfy the obligations associated with congressional law 12 USC 5561 ( 4 ) is non-compliant and violates my consumer protection right to rescind ; investigate, validate, understand and know that mandatory material disclosures were in fact delivered in this consumer credit transaction pursuant to 12 C.F.R. 226.23 ( b ) ( 1 ) ( I ) - ( v ). At present no such evidence exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX  XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX ) XXXX 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.

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 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, XXXX and Transunion ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX   XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, Transunion and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.

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 2020-06-11
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Summary : Associated Bank will not honor their cashback reward offer for a purchase made prior to offer expiration if the transaction was not processed until after the offer expired. 

Detail : Associated Bank offers a Cashback Perks program for certain purchases made from an Associated checking/debit account. There was a cashback offer for XXXX brand mattresses for 10 % cashback, good through XX/XX/XXXX. I made an online purchase from XXXX at XXXX XXXX  XX/XX/XXXX ( CDT ) using my Associated Bank debit card. The confirmation email is attached ; it lists the purchase date/time as XXXX XXXX   XX/XX/XXXX ( EDT ). This falls within the offer period listed on Associated Bank 's website ( offer description attached ). 

The transaction was either processed XX/XX/XXXX ( date it shows up in my bank record ) or XX/XX/XXXX ( date given to me in conversations with Associated Bank ). These dates fall after expiration of the cashback offer. The bank has refused to honor the offer because the transaction was processed after the offer expiration, even though the purchase was made during the offer period. This is apparently policy and not subject to review of actual purchase date. 

I think this practice is questionable for several reasons : 1 ) The plain reading of the posted expiration date is that purchases made on or before that date are eligible for cashback rewards. 2 ) It is common for transactions to take several days to process, especially on the weekend, so it's likely that many purchases that consumers make within the reward offer periods are processed later and are not being honored. 3 ) The policy of using the transaction processing date rather than the purchase date is not spelled out on the bank 's public website ( as confirmed by an Associated Bank customer care representative - chat conversation attached ). 

In reviewing the fine print of the XXXX  offer, I realize that I may not actually be eligible for Associated Bank cashback because I used a coupon code on the website, although it is not entirely clear to me whether the " may not be combined '' condition applies to additional offers from XXXX, Associated Bank, or both. However, this condition was not the reason given for denying my claim ( see chat conversation ), and the reasons given related to offer expiration date seem invalid, constituting false advertising or at the least a deceptive business practice. This issue is likely to effect many people using this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-04
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my house, the mortgage was paid on XXXX XXXX, 2015, the mortgage company, Wells Fargo Home Mortgage, is holding my escrow refund for two weeks and also insists that they ca n't deposit the funds to the account from which they withdraw them but must mail them. Although I have rented a mailbox from the XXXX, I will be leaving the area and will not be here when the check arrives, It is impossible to rent a mailbox at my intended destination - you ca n't get XXXX unless you show up in person. It looks like I will have to wait until I get to my eventual destination and pay to have my mail forwarded, perhaps the check will show up, perhaps not. 
I think WFHM is doing this to extend the time that they have the money, doing so at my expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}

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 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My self XXXX and my wife moved from XXXX to XXXX in XXXX XXXX.before that we closed our bank account in XX/XX/2019 in BANK OF AMERICA.after from here my wife 's school ( XXXX UNIVERSITY ) gives her credit back that is {$1900.00} CAD, {$1900.00} CAD Total {$3800.00} CAD on Bank of america account , which Is already closed.XXXX  university processed the first refund on XX/XX/XXXX and the second on XX/XX/XXXX ( Moneris confirmation that the funds went through ( XXXX and XXXX ) .and bank of america is also saying that they don't received any money from anywhere from that closed bank account. 
Now both are saying that they don't have any money.Moneris is saying they sent and its went through and BOA is saying they don't received Any. 
So i need help in this case.i need my money 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 monetary relief
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
today while on a recorded line speaking to Wells Fargo Bank I spoke with a man named XXXX XXXX who continues to tell Consumer Financial Protection Bureau that they are assisting XXXX XXXX XXXX and family in investigations into the misconduct and financing of property without the knowledge of XXXX XXXX XXXX also at the same time they have told CFPB 60 days to assist with documentation they are not preparing as in ledgers audits on accounts funds produced and also liability claimed as beneficiary of these events. why would Wells Fargo Bank continue to tell Consumer Financial Protection Bureau they are assisting in the recovery of the home and property or the client and his rights when none of such is being done including helping with a forfeiture against current persons in the homes who acquired them for free illegally by XXXX XXXX XXXX who was put into power by Wells Fargo bank. we admitted to Wells Fargo bank that my brother might have been a part of the situation but still my brother is not the beneficiary of the property nor receiving payments for this property on any records that I can find, any proof of the transactions other than what was approved by XXXX XXXX XXXX has been requested. the longer this drags out the more time Wells Fargo Bank has to benefit off this as well as create more problems by for closing forfeiture and sales illegally of the property through the side title companies XXXX County title and XXXX County title all in Washington State and bonded by XXXX trustee services as independent state entity or private/state entity ( s ) funded and insured through Washington State. amateur izations were also requested last year around the same time when notification of the property have a non sufficient funds produced and XXXX XXXX XXXX being the payor of the Dead by and through wells Fargo the legal fraud and transacting wire fraud transfers of money pulling into XXXX right off XXXX to pay debts without his permission nor any rights given. specifically stated that this is out of Wells Fargo 's hands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed