BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the past few months I had a roofer doing a roof replacement on our home in phases. I did not want the roofer to have holds on checks I wrote him so I paid him in cash. I withdrew {$10000.00} at a time to make the payments to the roofer. All funds were withdrawn from the Wells Fargo branch at the corner of XXXX and XXXX in XXXX AZ. Each withdrawal was put in an envelope which I took home and put in my desk drawer. All the funds paid to the roofer came out of the envelopes from Wells Fargo from that drawer. When the roofer took the cash I gave him for one of the payments to his bank to deposit the funds the bank discovered two counterfeit {$100.00} dollar bills and seized them. When I became aware of the issue I paid the roofer the {$200.00} and filed complaint number XXXX with Wells Fargo. In their letter dated XX/XX/2022 Wells Fargo stated that the investigation was closed and the transaction was properly posted which has nothuing to do with what was complained of. 

I talked to the secret service office in XXXX and they indicated it is not unheard of for a bank to fail to detect a counterfeit bill being detected when they receive it and thus the bank end up putting it back in circulation. It appears more likely than not that that is what happened here.

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 2021-10-27
Company: EQUIFAX, INC.
State: TX
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Integrated Asset Recovery LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call was from XXXX PORTFOLIORECOVERY EVERYDAY -- many times a day. 

They do not leave any message. 

I have told them they have a wrong number. 

Calls keep coming!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-14
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatened to be at our home in a few minutes to serve papers, called family members and threatened to go to my work. Repeated calls for weeks. A collection agency trying to collect money for services we never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-12-30
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent off my XX/XX/XXXX mortgage loan on the XX/XX/XXXX day of that month, and the mortgage company received it on the XX/XX/XXXX and cashed it on XX/XX/XXXX from someone in the XXXX XXXX XXXX XXXX XXXX. I have proof of the check that was sent out to XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, CA. I tried a few times to up load 3 paper statements showing proof of payment, fax cover, and another proof of payment. I disappointed that my check has been cashed, and it is not anywhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Aqua Finance, Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Aqua finance ( A pplication #  XXXX  ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: LEXISNEXIS
State: FL
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:
This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2021, I received notification of a hard credit inquiry on my TransUnion credit report. Per the credit report, the hard inquiry was made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

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 explanation
Consumer complaint received 2016-10-07
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
North Shore Agency has sent XXXX letters claiming I owe XXXX XXXX {$150.00}. I responded to the XXXX letter saying that I did not have an account with XXXX but would go to the XXXX corporate store to find out what was going on. XXXX blew me off but that 's for Weights & Measures I think. Then I recieved a XXXX demand from North Shore Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XXXX XX/XX/2020, I inquired with Navient about applying for disaster forbearance due to the Covid-19 pandemic. I did not authorize Navient to put my student loans in forbearance at that time. On XX/XX/2020, I received an email from Navient stating that my loans had been placed in disaster forbearance. The email further stated that my loans would continue to accrue interest at a rate of 3.5 %. This rate is higher than my previous interest rate of 2.275 %. I called Navient on the afternoon of XX/XX/2020 to inquire : 1 ) Why my loans had been put in forbearance without my authorization, and 2 ) why my interest would go up if the loans were in forbearance. The representative and supervisor with whom I spoke apologized for  putting the loans in forbearance without my authorization. I then asked about the increase in the interest rate. They stated that the interest rate would increase because I would no longer receive certain discounts while the loans were in forbearance. The discounts are : 1 ) a 0.225 % rate reduction for payments made by automatic withdrawal from my bank account, and 2 ) a 1 % rate reduction for consolidated loans. I understand why I would not receive the discount for automatic withdrawal. But, denying the rate reduction discount for consolidated loans is predatory. If the interest on my loans only increased by 0.225 %, then they would accumulate {$1400.00} in interest over the 3-month forbearance. If the interest increased to 3.5 % as Navient says, the loans would accumulate {$2000.00} in interest. Thus, Navient would make an additional {$590.00} from my loans. At a time of national crisis, Navient is trying to profit off of the financial difficulties of hard-working citizens. Their disaster forbearance should allow lenders to continue with their previous interest rates or at the very least keep the discount for consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX - XXXX, XXXX- XXXX, XXXX XXXXXXXX, XXXX XXXX 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 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
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller left no message so I called the number back and got told I owed a debt to Washington Mutual credit card. After I told caller to stop calling me and to only communicate through writing, continued to call me 12 times. I have no knowledge of this debt, does not show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bitcoin and Coinbase in conspiracy with one another to commit schemes to defraud investors into a digital currency investment have committed wire fraud. Coinbase app states " invest your money. '' I invested my money by wiring money into their business account. I have yet to get a settlement of funds verification from their ACH I sent to Coinbase and they never returned my funds by wire and it been over two months and never got my return wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: SC
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 have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian uses my information to solicit loans and credit cards lying about approval odds lead to hard inquiry lasting on the credit report for 3 years not including initial year of inquiry

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 2020-04-02
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 I called Advanced Financial in XXXX Tennessee, because my loan amount was not going down after my payments. I am paying {$450.00} every two weeks with only XXXXdollars of that is going towards my payments and the {$400.00} is going towards interest. I can not keep paying this amount every two weeks.. My partner has been laidoff due to this virus and Advanced Financial is saying they will continue applying the interest and there is nothing I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have not been able to access the funds on my rushcard for about a week. I also receive a direct deposit every other week and that deposit has not posted this week it was supposed to post today XX/XX/2015. I have tried to contact the rushcard customer service on a daily basis only to be lied to and hung up on I am asking for answer please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from Cavalry SPV I , LLC. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX months has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: State Finance Company
State: TX
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:
XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XXXX XXXX  2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CASHCALL has reported a charge off account on my credit report and now started aggressively attempting to collect debt on the account that does not belong to me in first place. After requesting validation of debt, cashcall provided " loan transaction history '' in my name or similar name showing payments made but NO evidence or image of the payments they received. They also provided " promissory note '' in my name but at the address I never resided at ... Further more contract 1 ) has NO signature, 2 ) ss #, 3 ) date of birth or 4 ) the name of the loan originator AND 5 ) it shows an interest rate of 139.12 % which is a usury for the state of CA where it was originated and states the originator is governed by the laws of California where limit is 10 % Now I received a collection call, letter and threat to legal action from cashcall and XXXX XXXX for an erroneous loan, supposedly opened in 2014 ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Informative Research
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 am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ). The credit  report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order P lease remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to a hotel in my city of XXXX where I believe the front door clerk stole my card information. when I realized the balance I immediately called chase for a resolution and was denied any help. I could n't believe how betrayed I felt by a company entrusted my funds with. Its like everybody 's nice until you need help. I just want my money back and my acct secured correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been discovered that the company has been engaging in deceptive marketing practices. I have worked with XXXX XXXX from XXXX to resolve this and other issues stemming from this deceptive practices.

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