BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: PA
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:
Spoke with XXXX customer service about having these fraudulent inquiries removed ( XXXX ) said XXXX is in violation of my consumer rights but did not remove them she said someone fraudulently accessed my report. Under 15 us code 1681 subsection ( c ) says any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer ( me ) I have been violated under this noting because they willingly and knowingly gave someone access which is fraudulent conduct on XXXX part I need those removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt collection agency named Cooling and Winter LLC placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2022-10-18
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XXXX XXXX I was told today would be the the day I would find out why square has been holding my funds since. XXXX XXXX. I keep getting customer service who say theyre escalating the case. Still not sure what that means? Not sure whats being reviewed? I have answered questions regarding change of account information that I changed by square via phone. 

No one reached out to me, I called square 3 times on XXXX XXXX. I finally received after escalating the account, It will be another 3-5 business days for review team to get back to me. No one has gotten back to me in 21 days as to what exactly is going on in my account. I have multiple calls and emails stating my concern. Square is holding estimate of {$8000.00} of my funds, I have had no access or answers where my money is? I have a family and employees. To hold someone income like this is completely disheartened and downright unfair. Ive been a customer for 5 years and never felt treated so unfairly in a situation. Unfortunately its come to where Im going to have to take legal steps to finally get to the bottom of why square has been holding my fund for 21 days with no explanation by their review team.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have an account with WellsFargo. I have been client for many, many years. One day, out of the blue, when trying to place a transfer online, my money is frozen. I call the contact center and they told me that my account has been blocked, that they needed some additional personal information to unlock it. I answered their questions and they say they would process accordingly. A week later, still no access to my money. Called again, they say the needed more time. 

I can not believe that WellsFargo can just take me out of accessing my money, just because of and " intern process '' ... .still not indication on when could transfer money out of my account ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Franklin Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XXXX XXXX, an collection hit all 3 credit beaus with an account that is not mines and I have been a victim of identity theft in the past and has been working really hard to keep my name clean. The amount of this collections is {$490.00} and originates from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Sequium Asset Solutions , LLC ( a debt collection agency ) dated XX/XX/2022 saying I owed {$1400.00} ( reference number XXXX ) to XXXX XXXX XXXX mobility with an account ending in XXXX. I called them to get details. ( XXXX ) They said I had opened the phone account on XX/XX/2022 and the account was canceled for nonpayment. I told Sequium I wanted to dispute the debt. For the following reasons. 
-The name it was mailed to is my maiden name which I have not used for 7 years. 
-I have not had an XXXX XXXX XXXX  account. For the past year or so I've used XXXX XXXX for phone service. 
-I no record of an XXXX XXXX XXXX  account on my bank or credit card statements. 
-When I XXXX this company and the debt from XXXX  XXXX XXXX XXXX found that many people have had the same debt information told to them, and the XXXX XXXX XXXX has many complaints about this under the company 's name. ( see below ) hXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXX PO Box XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA 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 2016-01-28
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
* Letter and documentation attached to explain it all and most of the choices above did not match my case, but had to pick something. 
* Sent to collections for a charge i should not pay to replace carpeting in an apartment. Most stains from previous tenant and carpet would naturally get worse as we lived there. Carpet also near the end of its useful life ( 1 year left ) and old, already worn down. 
* Tried to work with Property Mgmt. company and showed them picture of large stains coming up 4 weeks after we moved in. 
* Trying to charge me over {$700.00} to replace. 
* Collection agency never validated debt I disputed ( within a few days of collecting bill ) and never responded. 
* Continue to harass and call me, threatening type verbiage, and violating the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Synchrony Bank manages two of my credit cards- Lowe 's and Amazon. Up until late XXXX, I would log into one card and see only the information for that one card. In late XXXX I logged into one of the cards and both cards information showed up. On XX/XX/2022, I called Synchrony Technical Assistance and was advised there was a new feature " account manager '' and if I didn't want to see all my credits cards Synchrony manages, I had to toggle the button to " off '' before logging into each account. I did that. Now several weeks later, I go to log in and the toggle is back in the " on '' position. On XX/XX/2022, I called again and told them to fix this problem, as the toggle should always be in the " off '' position and if someone wants to have their information co-mingled, they should toggle to the " on '' position. 

I accused them of co-mingling my private information ( i.e. user name and passwords ) from two separate companies together without my permission. Who's to say that one credit card company would not accidentally get the information about log in and password for the other company??? Synchrony claims they have the right to put multiple accounts under one umbrella. I DISAGREE. My information from one company should not be lumped together with another, as I said SEPARATE USER ID AND SEPARATE PASSWORDS. It would be if I were an accountant and had a client with separate businesses and then lumped them together in one reporting to said client. THIS IS WRONG. They are not willing to see this is wrong and fix it so the account manager feature stays " off '' and you would be required to turn it " on ''. 

I advised them that this would cause me to cancel these store credit card accounts and tell everyone I know about their practice to automatically violate our privacy without our permission.

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 2015-11-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harrassment by a company called Hunter Warfield who is seeking to collect a PAID obligation in the amount of {$1200.00}. The amount is representative of charges remaining upon termination of a lease with XXXX XXXX, an apartment complex in XXXX XXXX, Tx that is owned by XXXX XXXX XXXX. I made payments to XXXX XXXX 's management plus additional payments to this Hunter Warfield who is the debt collection agency that was engaged by parent XXXX XXXX XXXX. I fully paid the obligation over a span of several months a total of {$900.00} in payments. The remaining {$300.00} was paid via application of the pet deposit that was paid to XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America is charging me overdraft fees, declining to cease, and not allowing me to close my services with them. At the beginning of 2020, I called Bank of America to request that all charges which would overdraft my account be blocked entirely to result in no charges. Bank of America has negated my request and continued to charge me checking account overdraft fees throughout 2020 to present-day, which have resulting in the overdrawing of my account. They are now refusing to close my account and refusing to block any incoming payments, unless I pay the overdrafted amount, which comprises solely of the fees that they were explicitly requested to cease in the first place. I have called them several times, and they are declining entirely to refund their fees and close the account, which will result in additional fees, which I will not pay. They have stolen the entirety of my recent {$1200.00} Covid stimulus check that is required for food and shelter for me and my child.

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 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is guilty of conducting XXXX without the authority to do so. In this instance, Bank of America has failed to properly execute and record any mortgage related document by associating the document with my private property and home. Specifically, only XXXX properly executed and recorded document has been associated with the assigned assessors ' property number ( APN ) of the subject property. Therefore, no default can be had or may be claimed on the recorded XX/XX/XXXX Deed of Trust. 

Just to be clear, neither Bank of America or XXXX ( XXXX ) hold the power of sale under the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( XXXX ) has been associated with and recorded as the XXXX is incorrect as it appears on these and other documents recorded since XX/XX/XXXX by Bank of America and their representatives, including the currently named trustee, XXXX. From this date forward, Bank of America and XXXX can no longer claim ignorance as to this fact. Any action from this point forward is fraudulent in nature and scope as well as evidence of a XXXX ( XXXX ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( XXXX XXXX. Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on 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 explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: PA
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:
I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 I went in to make a payment to " XXXX '' in the amount of XXXX, they accepted my check and gave me a receipt. On XX/XX/2016 I got a email stating they had my check in front of them but have not cashed it. On XX/XX/2016 my check in the amount of XXXX was cashed ( by XXXX ) and then sent me to collections on XX/XX/2016 by ( Genesis Credit management ) XXXX and I were on a payment plan for every month in the amount of XXXX due the XXXX of every month. Because I did not sign their promissory note fee but made my first payment they still sent me to collections. XXXX a Account Representative with Genesis credit management then called my cell phone multiple times and because she did not hear the answer she wanted to she then decided to call me at work, I believe three times I talked to her and every time asked her NOT to call me at work and that she had my cell phone number and two other times my coworkers told me she called while I was off. After multiple times I asked her not to call my work phone she then starts harassing me telling me " I heard about you and I 'm not scared of you '' ( Something along those lines. '' Which I am guessing she was meaning after talking with ( XXXX. ) she then called my work harrsing my HR team, telling them " They legally have to give her ALL my information, and being extremely rude. I have not heard from XXXX or her team since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Clearview Resolution Services
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Clearview Resolution Services XXXX lied to my daughter, by saying she would be required to attend financial education classes at {$50.00} per class for several weeks if she did not pay {$500.00} XXXX. This was a XXXX loan, and my daughter was now XXXX. My wife used a credit card to make payment for my daughter. They provided no information by mail or email that there was any class requirements or judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX  XXXX to apologize, unlock our account, as well as fix our chexsystem status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.

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 2022-10-18
Company: United Consumer Finance, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have been trying to pay multiple times with the card I have ALWAYS used and now they have blocked me from making payments. The card has been on file in their system. Just says the card is invalid everytime Ive tried to pay.

Company response to consumer: Closed with explanation