BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: TRUIST FINANCIAL CORPORATION
State: NM
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:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX TRUIST XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2022-11-18
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, A duplicate/incorrect installment charge of {$1100.00} was added to my card in XXXX statement. I filed a complaint with Goldman Sachs and it was determined that the charge on my card was incorrect and will be removed. I would not be responsible for the charge CASE ID : XXXX However, in the latest XXXX statement, the entire {$1100.00} charge was added to the my transaction list as " Cash Back redemption ( REVERSAL ) '' and I am required to pay this entire amount by the due date. I reached out to the customer care and they are pretty clueless about this. In my call with the manager who informed me about the resolution of the above case, it was clearly explained that I will not be responsible for the charge ( Feel free to review the call recording ). 

I have had more than 6 calls and 4 escalations with XXXX 's support team. It is really frustrating that there is still no resolution. I do not have the patience to call and explain the issue everytime I speak to someone at XXXX 's support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EGL US, LLC
State: FL
Product: Credit reporting 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 act this creditor violated my rights under XXXX XXXX XXXX XXXX a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports. 

Report # XXXX Acct XXXX Creditor BMG money INC This account is listed as being late more than 90 days I account does not belong to me. 
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me. 

XXXX  XXXX bank Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a senior citizen and I'm on the XXXX program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, XXXX sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX years old I cant handle this stressed from them, Please see all the letters from select portfolio services also my XXXX approval letters XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX an individual went into a local Chase branch using a fake ID and the incorrect name and withdrew my remaining funds of {$2400.00} and closed my checking and savings account. In XX/XX/XXXX I contacted Chase to update my name due to being recently married and was then made aware that the account had been closed and my money withdrawn. 

Chase has refused to investigate due to my reporting the fraud after 60 days. But the policy states that I have 60 days to report it after receiving the most recent statement/closure letter. The bank provided the thief with the closure letter, not me. They say they mailed a closure letter to me but I did not receive it and neither the bank manager nor the Executive office can reproduce that letter or prove it was actually sent to me. Which means the 60 day policy is void.

I should not be responsible for their mistakes. I can not report something I am not made aware of. As a business and financial institution they need to be held accountable and reimburse me of my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Aldous & Associates, PLLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I never signed a contract with XXXX XXXX for a gym membership and was told it was a month to month membership that I could cancel at anytime. I called the gym and told them I no longer wanted to have a membership. I was not told it needed to be in writing. Now XXXX XXXX XXXX has called me several times over the last two weeks and when I explain this on the phone, they just hang up. Today, XX/XX/18 I told them not to call me back. They yelled on the phone and told me when I signed a contract, I needed to send them a request via mail to get a copy of the contract I signed, that I would be reported to the credit bureau and when I felt like paying my debt call back and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
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 20th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted a wire transfer on XX/XX/2023 at the Wells Fargo location in XXXX XXXX for the amount of {$92000.00} to my new bank. I received the receipt and the bank stated XXXX days before the funds will be transferred. My wife then called and inquired about closing the account once all transactions were settled, the bank stated once all transactions were settled the account would close acknowledging the wire transfer. I received a call from the XXXX branch manager XXXX XXXX XXXX stating there was a bank error and that the account prematurely closed causing the wire to not go through and causing both Wells Fargo and my new bank to show zero balance. When I asked the manager XXXX where the finds he stated he was not sure possble still in the closed account. He stated he would try to reopen the account to retrieve the funds. after a week with no response from the manager XXXX, I called him and asked for an update. He stated the funds were sent via cashier check without my permission and with no verification of address and signature. It now has been weeks later and there have been no cashier checks for the amount stated. Additionally, the Wells Fargo Bank location incorrectly listed the transaction as a payoff debit transaction instead of a wire transfer. This was my wife and life savings and we had essentially been denied access to these funds without our permission. I have records of the receipts and phone records of speaking with the branch manager. If I do not receive the funds soon I will be forced to go into litigation with wellsfargo, I have already spoken to my lawyers and they stated there is a strong case for a class action lawsuit because wellsfargo did not follow their terms of agreement and policies.

Company response to consumer: In progress
Consumer complaint received 2023-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Filed several complaints re fraudulent checks being deposited into our childs savings account, and then wire transfered out before the checks were caught as fraudulent .The account was drained. Then after doing nothing, the bank told we owe the money back and that it was determined that " we '' did it. The checks were clearly fraudulent, not signed by anyone from the account and eventually rejected after wire transfer. The bank told us they did an internal investigation ( that they would not share with us, or give us the source of findings ) and just said " it wad determined by the bank the transfers were considered authorized and made by you with no bank error or fraud ''. 
We are well aware of how easy it now is to mirror someones phone number, as well as all the fraud that happens daily just like this to thousands of people who get their information stolen. The bank investigators could and would not supply the evidence to support " it must have been us that did this '' I always believed that the proof needs to be given to support their findings and just telling us " we are at fault '' when we had nothing what so ever to do with this except be victims would lie on the bank proving their claim that " we '' did it. Where is the proof? We are asked to just be ok with them saying so? I don't think so and we would like clear, specific answers to whom stole our daughters college fund and treated with some respect instead of negligent. We request tangible proof to their claim that it was us.

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 2023-09-04
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/, I received a letter from Hunter Warfield attempting to collect a debt from XXXX at XXXX in XXXX Colorado ( XXXX ) in the amount of {$7300.00}. I attempted to contact XXXX at XXXX to rectify this fraudulent account. They were aware that the person that was using my name was identity theft. I contacted them prior to filing the police report. A detective ( XXXX XXXX XXXX ) assigned to the case contacted XXXX at XXXX to identify the perpetrator but was unsuccessful. The person was later evicted and the remaining unpaid balance was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: CA
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:
The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. I have doubts about its accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXXXXXX XXXX XXXXXXXX I XXXX Balance : {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD Astra XXXX XX/XX/2022, {$340.00}, I was informed via another bureau that indicates the det doesnt belong to me. I also made contact with the compnay directly and they advised they sent out all necessary information regarding the validation of the debt which they found to not be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The 3 credit bureaus were continuously reporting inaccuracy and errors with this specific account. I have submitted my last letter to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. Nevertheless, up to present, I have not received any response from them. Thus, the 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Virginia housing in XXXX Virginia continues to ignore my requests to do a readjustment or assessment on my account so that my monthly payment will show the correction on my monthly payment account. It is not until I call XXXX  that they take my request seriously so this is being sent again. I am attempting to get my monthly payment for XX/XX/2023 adjusted as I just made a large escrow payment that would be in the positive. I will not make my monthly payment or pay any extra fees until this company adjust and respect my request to get the adjustment done. It was done recently due to a large amount of money being put on the account and it was done with no problem once they connected me to the right person with this agency. This is not about company protocol this is about them being lazy and not making the adjustment to take 5 minutes to go to the computer adjust my escrow and have it posted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
These account listed in the affidavit attached are fraud and shall be removed and blocked within 4 days of this notification.

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 2019-01-09
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I hired my attorney XXXX XXXX XXXX XXXX to handle my mortgage defence on or about XX/XX/XXXX when I was given a default notice, ( 3 months behind then ) since then I followed my attorneys advice, the bank Specialized Loan Servicing of XXXX XXXX. XXXX CO. are playing games, they keep on adjouning the conference because they aren't ready and my arrears keep getting larger and larger, today they SLS didn't even bother to show up and the judge adjounded the case again ( 2 months ) from now to XX/XX/XXXX because they didn't show up. My Arears keep on going up. My bank Arears are now at {$110000.00} until present, I offered the bank {$100000.00} in XX/XX/XXXX and was turned down, this bank is not looking to come to the table and assist in getting this loan Motification or settled, I have both letters from my attorney stating the refusal of my offer by my attorney, and that today XX/XX/XXXX a scheduled court conference by the court they didn't even bothered to show up. I need you to investigate this bank as they are forcing me to file a bankruptcy which I do not want to do.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, XXXX, and Transunion has violated my Federally protected consumer rights to privacy and confidentiality

und er 15 USC 1681. 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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