BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today, XX/XX/22. Multiple other days I unfortunately erased from my answering machine. Daily calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PayPal account is charging me {$250.00} for an amount I did not authorize. I was hacked and charged on my card and I reported all of it, then I closed my account because they kept charging. This is another amount I did not authorize. # XXXX reference # XXXX please help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In my credit report showing active account which is i have not taken.. I have pay all loan amount with dues. then why they showing active account with incorrect proof or accounts. please rectify my credit report for good score. I have take loan which i repay on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The XXXX XXXX XXXX charged my Wells Fargo debit card a total of {$3400.00} plus some change which I never never authorized. When I saw these charges reflected in my online banking I called Wells Fargos client care immediately. The gentleman I spoke to reassured me that the bank would take care of the apparent fraud issue and for me not to worry. I received a credit back for the amount missing. A short time after, Wells Fargo rescinded the credit without notifying me for reasons that are still unknown. I attempted to resolve this right away with both Wells Fargo and XXXX XXXXXXXX XXXX to no avail. Neither merchant was ever able to show me any documentation or one single price of proof explaining why my money was taken away from me now twice. I have never signed anything for XXXX XXXX XXXX nor verbally agreed to any charges with my Wells Fargo card or otherwise. I have called both merchant countless times and nothing is ever come close to being resolved. Both merchants point the finger at the other or I somehow end up being disconnected from my phone call. I have spent so many hours that now total days and weeks and more trying to fight for my money and the truth. I wholeheartedly believe that I am being either taken advantage of or Ive been lost in the shuffle. Where most people would just give up and say forget it - I will not. To me this is stealing. And stealing is wrong. Please help me with this circumstance and let me know if there is anything I can do moving forward. I hate to think about the other people this has happened to that just took such a huge loss. This amount of money makes the difference if I have a home or not. Thank you in advance for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: U.S. BANCORP
State: IL
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:
This has been going on for almost a year. I've called US Bank informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
US BANK ( Bank ) XX/XX/XXXX I have XXXX Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
XXXX XXXX XXXX XXXX. ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-28
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In late XXXX I seen a charge for XXXX to my account I called chime said I did not no what that was and that my debit card has never left my site n Noone has ever had access to it I live alone.

They gave me provisional credit n I was satisfied they said I had to kill my card I said that wasn't necessary but agreed on XX/XX/XXXX they took credit back. Said that they investigated n that I Made the purchase I said I absolutely DID NOT. N DEMANDED THE XXXX INFO. TO THIS DAY I XXXX FIGHTING CHIME N THEY PUT ME OFF ON A REBTTEL. I JYST GOT WORD IM NOT GETTING MY MONEY BACK. ALL THE INFO THEY GAVE ME ON MERCHANT WAS " PHONE '' NO ADDRESS NO NAME OF COMPANY NO PHONE NUMBET. I SAID WELL IF THEY INVESTIGATED THEN I WANT TRACKING NUBER TO WHAT I ALLEGLDY PURCHASRD BC I DID NOT RECIEVE ANYTHING FOR XXXX. ..ITS BEEN 8 MONTHS. THEY HAVE ERASED ALL RECORDS OF THAT DISPUTE. I TRIED TO RELOOK TO MAKE SURE IM GETTING THE AMOUNT EXACT. N NOW ITS GONE ALL OTHER DISPUTES ARE TGERE. THEY. CHIME ENDED UP CLOSIBG ME OUT OF MY ACCOUNT WHERE I CLD NOT SEE MY MONEY. N ALL MY TRANSACTIONS WERE ON LINE BC I DOD NOT DROVE AT TIME. THEY LOCKED ME OUTA MY ACCOUNT FOR XXXX DAYS. THEY WLD NOT LET ME HAVE ACCESS TO MY MONEY OR EVEN SEE IT ON LINE IT WAS JUST GONE. I TOOK XXXX TO N FROM WORK. I ALMOST LOST MY JOB BC I HAD SO MANY POINTS ACCUMULATED IN THAT XXXX  DAYS THEY WLD NOT RELEASE MY FUNDS TO PAY XXXX I ALMOST HAD A XXXX I WAS SO SO DEVASTATED AND DISTRAUGHT THEY WLD NOT TALK TO ME ON PHONE KEPT SAYIBG I HAD TO EMAIL IT WAS A NIGHTMARE. WHEN I GOT BACK TO WHERE I CLD SEE MY ACCOUNT I WENT STRAIGHT TO ATM TO GET ALL MY MONEY OUT OF THAT ACCOUNT. N MY CARD WAS CANCELLED. WITHOUT ME HAVING TO RELIVE IT ALL LETS JUST SAY THEY ARE NOT BEING TRANSPARENT ON THIS " PHONE '' DESL FOR ALMOST 100 OUTAMY ACCOUNT. THIS BEEN GOING ON FOR 8 MONTHS NOW. I ONLY KEPT CHIME AFTERWARDS BC OF THE TRANSFER TO ANYONE IN SECONDS FREE OF CHARGE AND THE XXXX XXXX FOR WEEKS I WAS OFF AFTER ALL THAT STRESS I HAD XXXX XXXX PROBLEMS XXXX OVER XXXX FOR 3 MONTHS. THEN MY XXXX  HAD TO CONE OUT I WAS AN EMOTIONSL MESS THINKIBG THEY STOLE ALL MY MONEY LOCKIBG ME OUT. I HAD NOT A DIME TO MY NAME BC I CLDNT DRIVE SO I DID EVVVVERYTHING ON LINE TO DELIVERIES TO XXXX EVERYWHERE. I HAVE MADE OVER 30 CALLS OVER 50 EMAILS TRYING TO PROSECUTE THE VENDOR. I WANT MY HARD EARNES MONEY BACK I DOD NOT MAKE THST AUTHORIZATION N THEY KEEP WORDIBG IT DIFFERENT N WILL NOT GOV ME STRAIGHT ANSWER ON CONTACTIBG VENDOR. IM SORRY FOR MY PENMANSHIP I LOAD XXXX XXXX FOR XXXX N ITS XXXX IN XXXX XXXX  SO MY FINGERS ARE XXXX XXXX N IM TEYING TO TEXT THIS FAST ON MY LAST BREAK. CHIME IS TE ACCOUNT HDER DENYING MY REFUND THAT THEY AUTHORISED NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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 status incorrect

Complaint:
I have an account with XXXX XXXX XXXX for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an attorney representing the borrower XXXX XXXX in her pending XXXX  XXXX case. XXXX XXXX confirmed plan proposes to pay off her lender PHH and her XXXX  XXXX case with a new loan on the property subject to PHH 's lien. 

Monthly mortgage statements sent to XXXX show a suspense balance of nearly $ XXXX and principal due of {$430000.00}. Yet when PHH submitted its payoff demand into the refinance escrow, the principal balance is essentially the same without crediting the suspense balance. 

I have sought information and back up documents from counsel for PHH who has previously appeared in this bankruptcy case but have received no sustantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It says the balance is {$2500.00} and the original amount was {$2600.00}, and that Ive paid 2 % of the total so far? I have never signed any documents or agreed to any terms and I have no idea as to how theyre saying that I have authorized payment And I did not sign any contracts opening this account on XX/XX/2021 I want a copy of the contract and a full un-redacted copy of the purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to PHH Mortgage in XX/XX/2022, from XXXX. On XX/XX/2022 an annual escrow statement was sent stating that my escrow account is short {$160.00}, therefore my payment will increase {$13.00} monthly. The problem is that I dont have an escrow account I pay my own taxes and insurance. I called XX/XX/XXXX, and was told I would get an answer within 10 business days. Received a bill for XX/XX/XXXX, mortgage and still escrow company increased payment by {$13.00}, due to shortage in escrow account. No explanation given as to why they show escrow account. I read reviews about this company and their fraudulent practices. They have been sued for charging fees that they should not charge. Never had escrow account with other loan mortgage company either ( XXXX ). I have also sent email to the PHH Mortgage on XX/XX/2022 and called this morning and spoke to a representative who said will create a report to the research department to investigate the problem.

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 2021-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY {$1300.00} with High Credit of {$1400.00} On XX/XX/XXXX I sent a letter over to Portfolio Recovery after noticing an account on my credit. They sent me a response with a brief summary with a balance of {$1300.00} that came from XXXX XXXX. There is no date of first delinquency provided. Letter they attached with a header saying XXXX XXXX and Portfolio owns it and was transferred on XX/XX/XXXX with a balance of {$1400.00}. This letter is not signed or proves they own the debt as it does not even look legitimate and how can the balance they transferred it to be {$1400.00} but Portfolio shows {$1300.00}. Bills sent with a due date XX/XX/XXXX Balance {$1300.00} ( XXXX ) But no info on bills from XXXX. Just a statement with a balance of {$1400.00} ( XXXX. ) address this in yet another letter on XX/XX/XXXX within the same generic response and packet. 

There are too many inconsistencies and I addressed this yet to Portfolio in another letter on XX/XX/XXXX and yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .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 non-monetary relief
Consumer complaint received 2022-06-27
Company: ENCORE CAPITAL GROUP 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:
Im not sure what happened all I know is this account automatically went into collections it never appeared on my regular account information and or credit report as a positive account in good standing because it isnt mine, before it was in collections which lead me to trying to dispute it, I tried with XXXX & XXXX XXXX the company keeps denying it and replying back that my information on the account is accurate. Which leads me to think I am being set up for fraud since the balance on the account is so high and my bank information isnt on this account nor was I received a card for midland Credit management. I shouldnt have this on my collections for 7 plus years if I never have done anything to put it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Block, Inc.
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I was supposed to get my taxes and I kept asking and didnt wanted to to give me my XXXX and now they trying to say I wasnt getting my money because I was being rude. Still havent got my money! Happened on XX/XX/XXXX n its XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened a Low 's credit card XXXX I purchased a refrigerator in the amount of {$1700.00} on XX/XX/2021 even though I had not received and merchandise since the refrigerator was on back order, they charged my card immediately not having been delivered the merchandise. months passed with no refrigerator, so I canceled my order and was refunded. At that time the card had nothing on it. about 2 months ago I went to make a small purchase on my card at Lowes store # XXXX XXXX XXXX Colorado and my card declined so I called the direct # on the back of my card to customer service. They told me my card was closed due to possible fraud. So, I was transferred to the fraud department, and they told me they were going to send a new card. At that time, I found out my account was closed and re-opened a new card with a Georgia address. and she asked me about the {$7700.00} charge I had made there. I have never been to Georgia in my life. At that time the fraud department assured me not to worry that they caught the charge in time, and a new card would be issued, and I should receive in approx. 1 to 2 weeks. Never received new card. I called once again today to Lowe 's to inform them I had not received my card in the mail only to find out they had transferred the {$7700.00} charge to my new card when the already knew it was a fraudulent charge. The first lady I spoke to first was asking me very strange and suspicious questions as if she was trying to get me to say something that I should not say. The whole thing was very weird. Then I was transferred to the Fraud investigator 's I talked with XXXX I explained my discomfort speaking with the previous lady. I asked for a case # she said I would receive that in the mail. I then asked how I identify my case if I have to call back? She said use your new card #, I said I do not have a new card # so what is that? so, she said just use your old, closed card #. I'm thinking to myself this makes no sense. I told her I am not paying anything on tis card, she said, the balance will still transfer to the new card, but I don't need to make any payments. At this point I am not sure what to expect. Thanks

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 2022-11-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my chase checking account due to fraud activity the woman say she close it she opened a replacement account which I didn't want and I told her I didn't want any account with this bank. My payroll came in XXXX account I close which it should have been sent back to the sender I opened a whole another account another that money was going there but before I could give employer the info they let the money go through and charge me a overdraft fee of XXXX out my check with I didn't do and the bank got the money out my account with out permission when they wasn't authorized to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief