BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is with the Military Star Card. This organization services only Military Families. We made a purchase through the Military Star Card at ShopMyExchange.com for a bed that cost us {$4500.00}. The bed did not suit us and we requested a pick up and refund within the exchange guidelines. This process by itself took a long time. The Bed was picked up on XX/XX/XXXX. We were not able to request a check to be sent to us because it was in " Possessing ''. Finally ( 4 weeks of processing time later ) on XX/XX/XXXX, we were able to request the credit as it was transferred back to our Military Star Card. I was told that it would take about 7 business days to get to us. I called today ( XX/XX/XXXX ) and was told that the check was sent out for approval on XXXX and that it was sent out on XX/XX/XXXX. We are now on our 7th week since that bed was picked up from our home and 2nd week since it was credited back to our card and I do not have my money. 

Dealing with this company, it is apparent that they are not equipped to manage finances for anyone much less our Military Community.  There is a severe lack of accountability, knowledge, and professionalism. Every time I have called, I have been told that they need to submit some form DD ... and require 48-72 hours to respond. Of course, they never do. I call back, request the same information and am told that they need to submit another DD ... form and get back to me in 48-72 hours. 

I want what is mine, my {$4500.00} that is siting in my account as a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called. 
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me. 
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly. 
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together. 

Please help me get my money back. 

I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello : I purchased a 95 year old foreclosed property at XXXX XXXX XXXX XXXX, XXXX, MD. I later found it had major structural problems so we demolished it. 

In rebuilding we came to realize the reason for the old structural problems was because it was once used as a landfill at some point thus rebuilding on a contaminated landfill will cause many issues with the new structure and also health concerns. 

I have been trying to communicate to the bank that that now has my loan ( not the original mortgage company who turned around and sold it to this current bank ) that I need a deferment to resolve the issues we have encountered ( the place was once a landfill/contaminated soil ). 
I have borrowed over XXXX to keep up with the mortgage and pay rent too. It 's not sustainable. 

Is there anything you can suggest I do? 

Thanking you for your response. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; XXXX XXXX 1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 3. XXXX XXXX XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXXXX/XX/2022 6. XXXX XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 8. XXXX XXXX XXXX XX/XX/2022 9. XXXX XXXX XXXXXX/XX/2022 10. XXXX XXXX XX/XX/2022 11. XXXX XXXX  XX/XX/2022 12 XXXX XXXX XX/XX/2022 13. XXXX XXXX XXXX XXXXXXXX XXXX 14. XXXX XXXX XXXXXX/XX/2022 15. XXXX XXXX XXXX XX/XX/2022 16. XXXX XXXX XX/XX/2022 17. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was compromised in late 2016, as a result more than 50 attempts have been made to obtain credit in my name. I have contacted all of the National Credit Reporting Agencies by certified mail disputing the inquiries, having provided them evidence of my identity, as well as a copy of the police report filed about my identity being compromised. In a very detailed letter I disputed each of the fraudulent attempts to obtain credit in my name, as the inquiries are having a negative impact on my credit and attempts to obtain legitimate credit. Each bureau has stated that the inquiry is a matter of fact, and though they are the fraudulent, they will continue to report them for 2 years, and they will not take steps to validate if their subscriber had a permissible purpose to access my credit.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
Experian has been difficult for me to deal with, and I am quite frankly fed up with this head game. The last report i had sent in was regarding them stealing from my bank debit card which prompted the bank to close it down, this has happened before with an encounter on XXXX, the problem with these web sites and others out there is they do not keep an eye out, its all done with " system reliance '' its easy to blame a machine however its a human that causes it. Anyhow as regards to that I removed membership as Experian continues to botch things up and has more excuses than a child that lies to avoid being caught/ This problem now is with the closing of 2 credit card accounts through XXXX Bank XXXX one was closed months ago and was immediately stated as CLOSED with a XXXX balance, the 2nd one was closed in 3rd week of XXXX, its now the 2nd week of XXXX, and i was told the report would read closed by XX/XX/2022 - Well here 's the kicker ; XXXX and XXXX XXXX Both I REPEAT BOTH! have listed XXXX Bank accounts CLOSED and XXXX BALANCE, but Experian wants to act out like a XXXX kid throwing a tantrum. 
If there was a way to eliminate them from my life i certainly would seize the opportunity, all they have done is create problems over and over, one lie after another. And i have had enough!

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 2022-03-25
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:
I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my Applied bank credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks 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 2015-07-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: NorthStar Technologies
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from ( XXXX ) XXXX, and the voicemail said to call before XXXX or else they will " escalate '' legal matter. It 's apparently a debt collection for my sister. I do n't know how they got my number.

Company response to consumer: Closed
Consumer complaint received 2020-03-16
Company: JPMORGAN CHASE & CO.
State: NY
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/2020 chase bank with drew {$29000.00} out of my mothers bank account. I have tried to resolve this issue and they will not release any information to me. They have gone in the bank account and garnished the money with out consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX  XXXX XXXX account, the funds left my citizens bank account but were never credited to my sons XXXX account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank he stated citizens bank has not responded to multiple requests regarding the funds which are no where to be found. Today I also spoke with a XXXX supervisor named XXXX ( Personnel number XXXX ) he stated that he could not give me an update on the case and that the back office will respond to citizens bank whenever they can, I advised the rep that it has been over a month since the issue, he stated the bank could not provide me with a credit. I CAN ONLY BE REACHED AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting Act 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 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 explanation
Consumer complaint received 2022-07-20
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app allows my card to be used in multiple locations in the timeframe of XX/XX/2022 to XX/XX/2022 between his date I was incarcerated and in XXXX XXXX and XXXX XXXX jail I did not authorize any of the transactions to To be done due to the fact that was incarcerated and had no access to no phone were on lockdown. I have from XXXX until today which is XX/XX/XXXX tried to get refunds back on the debit that was debited between those days and they keep giving me the runaround so that they dont have to pay me my money back total of over {$4600.00} with stolen out of my account by a lady named XXXX XXXX and XXXX XXXX XXXX of which are names on my cash app account for trying to use my card in this present time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-25
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit/XXXX with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company. 
1- My credit score suffers bc they have derogatory info about late payments to XXXX XXXX from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING. 
2- MRSBPO - also late payments because I had a dispute with XXXX XXXX. I paid thru XXXX at the time but was directed to that page and did not know what XXXX  was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX  I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to XXXXXXXX XXXX i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel XXXX  sent me to collections with MRS BPO.

3-I finally paid MRS BPO because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX : {$74000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} FA XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} FA XXXX Balance : {$0.00} TBF XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$68000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The name of the company is  Oracle  rep calling  XXXX   XXXX   XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and  XXXX   XXXX  called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with  XXXX   XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on  X/XX/2017    once,  XXXX  once,  XXXX  twice,   XXXX   twice and the  XXXX  three times and that was when she spoke with my supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday XX/XX/2019. Navient went as far as to contact a friend of mine and ask where I was and if they would deliver a message to me. This was embarrassing and caused much confusion. They are not to call anyone that they do not have my permission. They also went as far as calling my neighbor!!!!!!!!!!!!!!!!!!!! I asked them to stop over and over. They continue to harass me and hope they will not contact anymore acquaintances.

Company response to consumer: Closed with explanation