BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: M&T BANK CORPORATION
State: CT
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:
On XX/XX/XXXX Peoples Bank became M & T bank and without my permission or knowledge they withdrew all the money in my account {$5400.00} and closed my checking account. 
I filed a claim and it was denied. Banker said it was a debt owed to them by my ex Husband. I have not seen my ex since XXXX and know nothing of his debt and I am not responsible for it. MT needs to contact him. 
That was my money and my paychecks that I deposited, which I needed to feed my children and pay my mortgage. I am a single mom with XXXX kids, working every day to support her kids by herself with no child support. MT bank has no right to steal my money and needs to return it immediately! 
MT bank stole my paychecks, Stole my money. they are thieves. I worked for that money to raise my children. they stole the food from my childrens mouths. 
I want my money returned. They had no right to steal it. 
This caused a reaction of returned payments on credit cards. I was charged fees and had accounts closed. Including my loved XXXX XXXX  which offered 5 % discount on all purchases. I used this account to buy all our groceries and home and personal needs. 
I am asking for my money back XXXX plus {$3000.00} for fees and hardship caused by MT banks actions. 
BANKS SHOULD NOT BE ALLOWED TO STEAL MONEY FROM SINGLE MOMS AND DESTROY LIVES!!! 
DID THE BANKER AND HIS KIDS GET TO EAT? DID THE BANKER PAY HIS HOME? 
Please help me and my children get back on our feet and return what is rightfully ours. 
Banks should not be bailed out! Humans first! 
I thank you in advance for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A rep from United Collection Bureau called claiming that I owned a medical debt with XXXX XXXX XXXX XXXX from XXXX. They claimed to have sent out a letter, which we did not get, and they could not properly verify the mailing address. The caller refused to send out another notice through the mail. I did not give them any banking or personal info until I could verify the debt and the debt collection company. I called XXXX XXXX XXXX and spoke with the accounts office. They verified that we had been there, but that our bill was paid in XXXX. I also verified with the physician billing agency and confirmed that we do not owe any medical bills with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: GVA Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Was approved for a {$300.00} loan And since XXXX 2020 I have been charged {$80.00} every two weeks I have since then paid {$1000.00} to this company I have documentation showing how one week it will say a certain amount and will go up {$20.00} {$40.00} and they say that I still Im not close to paying off the loan I refuse to keep paying this company it is unfair to be charge like this after I feel like I have paid the principal for this loan well over the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion has not increased my credit score where it is suppose to be after all debt was closed in good standing and/or removed. Also it reports i have XXXX collections and have only XXXX open accounts in good standing but the information for XXXX is incorrect which I have been disputing it with transunion XXXX with no response from Transunion. My credit report states It is basing inform " 3 years from today 's date. In which it states contradictions that effects my sore. I have XXXX late payment ( not true ) XXXX on time payments, XXXX " current '' on time payments, totalling payments to be XXXX. But the grid they display is showing no late payments and all payments on time. Also it shows the grid shows XXXX, XXXX payments being code for " unknown ''. and counting it as XXXX missed Delinquents payments and XXXX missed payments ... And refuse to demand XXXX to explain and/or fix. I explained that During those years I was under XXXX XXXX mortgage modification program in which it clearly states and the bank stresses that any late payments during this process ( XXXX, and XXXX ) mortgage will be denied modification. I completed the program successfully with no late payments on my mortgage being modified. Trans Union, XXXX, XXXX marked those years unknown, delinquent, and missed payments all at the same time which is NOT TRUE. Which " XXXX '' ( nothing ) in collections XXXX accounts open in good my score should be more than XXXX. I need all credit bureaus, and XXXX investigate and my credit and report corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

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 2015-07-26
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from my Bank today XXXX/XXXX/15 that Johnson Mark LLC of XXXX Ut. is requesting my XXXX Bank records. I have never received any contact from them via ph/email or post. The letter from my bank states I need to obtain professional assistance to stop my Banking info being supplied on XXXX/XXXX/15 to this Johnson Mark LLC which I found out is a collection agency. As stated earlier I 've never received any notice or contact from these people before. 
I need to stop them from obtaining my Bank accts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to refinance my mortgage due to a hardship with a divorce and a custody battle. Wells Fargo asked me to go in forbearance ( not explaining ). Now I'm trying to assume payments and refinance my mortgage but they want the total balance due which is XXXX. I have tons of equity built up and a balance of XXXXowed. All i ask is for the help to refinance my existing loan. I go to court XX/XX/XXXX for the final custody issues and hopefully with me having custody of my son i will not have to pay child support any longer.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I deposited a {$500.00} check on XX/XX/XXXX wells fargo credit my acct and w/held {$100.00} until the check cleared the next day, the next day bank told me it cleared but didn't credit acct {$100.00}. Monday went into branch and the did not want to discuss my statement not reflecting the true amt of {$400.00} it shows a {$500.00} amt. The XXXX became irate and asked me to leave there are other customers in line. XXXX XX/XX/XXXX my ssdi check was credited 1 week early I filed a dispute on XX/XX/XXXX. On XX/XX/XXXX got notice the check was returned unpaid. Bank charged mY acct {$500.00}. On XX/XX/XXXX Bank credit acct {$400.00}, the same day debited acct {$500.00}. The returned check was a substitute check. I went into branch to close my acct on XX/XX/XXXX the lady told me they would put acct in transition until everything was cleared up no transactions would be allowed like direct deposits or checks..on XX/XX/XXXX my ssdi check was deposited 1 week early and charged {$1400.00}. They kept money that was not owed. I already called to redirect my ssdi check. It was supposed to be redirected to a new acct at different Bank. My IRS bill, electric gas and water didn't get paid due to the bank actions.

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 2022-10-08
Company: Experian Information Solutions Inc.
State: SC
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 USC 1681. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. And I honestly got infected by Covid-19 and I lost my job for this reason and I do not have any source of income, I am behind my rent and some bills and the only source of money is to use my money in my PayPal account. 
My email linked to my PayPal is XXXX. 
Thank you very much and your consideration is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt directly with Chase Receivables. I disputed the collection with XXXX explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Signed up to open a checking account and saving account at BBVA Compass. I was signed up for a credit card as well, even when I specifically told them I did not want it. Now when I cancel it, it will effect my credit score. They sold me unsolicited merchandise against my direct and clearly stated request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Called XXXX XXXX XXXX. about a collection showing on my credit report. Found out it was in my husbands name for a medical co-pay. My name was not on debt or insurance, but they placed on my report and will not remove, even if I pay it. I looked at FCRA and believe this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan through Check'n'Go for the amount of {$300.00} in XX/XX/XXXX. The agreement was to pay {$43.00} every other week for a year, which comes out to almost {$1200.00} after interest. 

I have the records from my bank of all the payments being processed for that amount of time, and as far as I could see, the loan and interest has been paid back. 

Now this past week ( XX/XX/XXXX ), which is 3 years after the loan was agreement was signed, Check'n'Go has started taking payments out of my bank account again for the amount of {$43.00}. I have already contacted my bank to tell them that these payments are unauthorized. 

I have contacted the company, but nobody is willing to look into the matter in order to resolve it. All that they say is that I need to pay them them money owed. But I have already paid them, so this is basically extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: FL
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 confidential under 15 usc 1681. 

account name : # XXXX, account name : # XXXX, account name : # XXXX 15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 u.s.c 1681s_2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-08
Company: EQUIFAX, INC.
State: FL
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 confidential under 15 usc 1681. 

account name : # XXXX, account name : # XXXX, account name : # XXXX 15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 u.s.c 1681s_2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP. 
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2022-10-09
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022, I called my loan servicer MOHELA to refund the amount of {$3500.00} I paid on XX/XX/2022. The MOHELA representative said she will submit the full amount refund request for me, and the process XXXX be take about 90 days. From the day I called MOHELA, I never get any message like a request confirmation from them, and there was nothing change in my student loan account too. Therefore, I have no way to track my refund status. I called them again to track my refund status XXXX on XX/XX/2022, but I even not able to reach to them at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am trying to get XXXX of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to 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 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XX/XX/2021 used XXXX ca card at bank. XX/XX/2021 card info was stolen and used at another bank without my knowledge. Call bank to notify card canceled and issued new card bank of Americas call XXXX and card was closed for fraud and claim was closed on XX/XX/2021 verified on XX/XX/2021 with XXXX say sent over release of fund form on XX/XX/2021 boa say no time frame to unlock I just have to wait same script every time I call submitted freeze tracker to XXXX and both playing blame game thuu it s is draining and frustrating getting run around and no results or answers did everything I was supposed to do told by both parties

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 2022-10-10
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been since the XXXX of XXXX been trying to get back my funds that were stolen from me. Someone used my stolen phone to access all my accounts and take them over. Chime denied my dispute. However new information has been provided and I expect to get a provisional credit while the investigation goes on. Closing the investigation in one day is not going to work for me. I am protected by federal law and visa along with chime all said they had my back with zero liability so they need to own up to it and help me. The merchant XXXX  and XXXX  appear to be helping but I still have not gotten my stolen funds back. I have provided an update with all the information I had. I corrected the misinformation that was given by the person who had my phone and also myself also due to the fact I was given misleading information that lead me to not figuring out who it was. Ultimate I told chime to continue with the dispute that I cant figure out whom did it and they just denied me anyways in less the 24 hours. That is not good enough. I want my funds back. Im not liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: MI
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 bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief