BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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 2020-08-13
Company: WELLS FARGO & COMPANY
State: CA
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: Was not notified of investigation status or results

Complaint:
Wells Fargo said that I did not pay XXXX or XXXX on time. 
THey offered a corona virus relief plan where you dont have to pay for 2 months consecutively. 

THey ended up reporting these 2 months as lates. I called to make a payment to " get current '' to bring the account in good status as I did not know they had deemed me late. 
I had to re-request them to put me on this corona virus plan. THey claimed they did but I did not receive a letter once again. 

I want to keep the account in good standing. They also have the balance over charged due to identity theft where I did not make or use all those charges. 

THe true balance should be {$3800.00} approximately. I have been incurring interest on charges I did not make.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1100.00}.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One tricked me. They claimed the problem was " Resolved '' by correcting one of two false charges. 

After more than a year of frequently calling, waiting and checking and being told to submit documents several times - I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE. 

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. 

They later tricked me, making me think this issue was fully resolved by correcting ONLY ONE OF TWO FALSE CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am the spouse of a XXXX percent XXXX veteran and a victim of theft by XXXX XXXX transfer. On XX/XX/2022, I responded to an email message stating my XXXX XXXX subscription had been renewed and call this number to cancel the subscription and get a refund. When I called the number I was given a website to access and process my refund. When I accessed the website it allowed the person on the phone ( who said his name was XXXX ) to hack into my computer. I was told to put in the amount of the refund ( {$130.00} ) and then check my bank account to see if the money was there. When I logged into my bank account there was a balance of {$130000.00} in my checking account. XXXX said there was a glitch in the system and I needed to go to my bank ( Navy Federal ) to return has company 's money. My computer screen turned blue with a message stating " updates were being performed and do not turn your computer off ''. XXXX said that he was running a security scan to find out how the system mistakenly deposited {$130000.00} into my account and provided an account number and bank to transfer the money to : Country Name : XXXX XXXX Bank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX Holders Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  phone number is XXXX I left my home and went to Navy Federal to send the money back and while I was gone he transferred {>= $1,000,000} from my savings account to my checking account and when the wire transfer was sent, I had sent my money to XXXX XXXX  in XXXX XXXX. When I discovered money missing from my savings account later that evening, I contacted Navy Federal and spoke to someone in their fraud department and we file a complaint and they contacted the bank in XXXX XXXX and requested that the wire be reversed and the money returned. I have continued to call Navy Federal for a status update on my complaint and am being told that they are working on it and will let me know if they need anything else from me. I still have not received my money back or have not been give a clear answer as to whether of not the bank will refund my money. Since my money should have been insured by the bank, although they had me sign a waiver of liability before sending the wire, I think they should refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar has continuously refused to deal with me honestly & fairly. I fell behind in my payments when my husband died but now I have help from a neighbor trying to reinstate my mortgage. We started about 4 months ago, got a reinstatement amount, and were told by the attorneys that NationStar told them to refuse the check. Since then we have gone from around {$25000.00} reinstatement to around {$40000.00} reinstatement with no explanation of fees. I do not believe I should have to pay for anything since the refusal of the reinstatement check several months ago since I offered payment of all back payments & expenses. I have emails back & forth from NationStar showing where they refused to send what we requested. From the limited details I have, I have been billed for services that were never performed and overbilled for services ( like {$400.00} to put a lockbox on the door ). I now have the ability to reinstate the mortgage, but refuse to pay for things that I do not really owe. All I am asking for is a detailed accounting of these expenses & credit for items I should not have to pay. 

I 'm asking for an investigation of my account ( and others if you like ) to show a pattern of fraud & abuse. 

I have many more comments & details concerning my frustration & aggravation as a XXXX American trying to save my family home of XXXX generations ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Dear Sir or Madam : This letter is to request to dispute the billing fraud on my Chase credit card ending in XXXX in the amount of {$850.00}. they closed my case without my agreement and I have asked Chase credit card dispute team to re-open this case, but they still told me that that transaction is still valid. 

In order to support my claim. I have asked Chase credit card dispute team to check the XXXX XXXX security camera at Cashier Window between XX/XX/2017 XXXX -- XXXX ( which is the best evidence ), but they said they can not request the security camera footage from XXXX  XXXX XXXX 
When people need to withdraw the money from the Cashier window, the clerk inside window need customer to copy photo ID and sign the name, when I was trying to withdraw, I need to do the same thing, but the girl inside the window told me that my transaction was declined, I thought my pin could be wrong or there is the limit to withdraw the cash from the credit card, so I left the cashier window empty handed. 
The next morning, I got a phone call from Chase credit card, the agent told me that my credit card has been compromised, I was asked to cancel my current card and send me a new one. 

By the way, I hope the merchant can find out who is the thief in their cashier department. 

Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
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:
I received a fraud notification from my bank ( XXXX XXXX XXXX ) that I purchased {$1900.00} worth of something from Moneygram  International Inc . When I received the notification I immediately contacted my bank and the company that was trying to charge me to try and figure out what was going on and they asked me if I made any purchases or payments associated with XXXX XXXX XXXX or Moneygram International Inc . I told them no. I then proceeded to call Moneygram to ask them who was committing fraud in my name because they had my debit card, bank details and my identity i but they won't tell me the identity of the person without a criminal report. Moneygram also charged me {$2.00} for something I did NOT buy and both the company and my bank refuse to give me my money back. Moneygram says under their terms and policy they cant refund me because the transaction went through. I dont understand why its so difficult for this terrible company to understand that I did not make these purchases. I filed the identity theft report, the FTC report and the criminal report and yet they are uncooperative, unprofessional and rude. Im the victim, someone used my card and stole my money and its unbelievable that I, being the victim, can not get my money back. I literally don't understand why this is happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the pandemic I was living in an apartment complex, and unfortunately like many people I lost my job. I only had a short amount of time left on my lease, and unfortunately I was unable to make my monthly rent payments since I had no income whatsoever. 
Instead of being shady and squatting in the unit waiting for an eviction, I did the right thing and went to the management office and explained my dire situation. We worked out that they will use my last month 's deposit and security deposit and will allow me to clear the unit before the end of the month. By the first of the following month, they had already had the unit occupied by another renter. Meanwhile I was living back home with my parents until I was finally able to get back on my feet and get my own apartment. Imagine my surprise when I am being harrassed now by debt collectors trying to collect now {$7300.00} ( originally they tried to collect {$3200.00} ) from both myself AND my roommate ( XXXX unit both on lease ). At the time of us moving we had only owed 1 months rent and it was paid for with the deposit and last months rent as per the agreement we had. Now with this false collection harming my credit and impacting my credit score so significantly I am unable to move into any apartment building as they are afraid because of this collection account. This is a false collection account and especially this absurd amount. I ask that this be immediately removed from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away 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

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 2015-04-13
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: Big Picture Loans, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out XXXX loans with big picture loans XXXX is finally paid off the other I am still paying. I needed money to fix my brakes on my car.i borrowed {$200.00} and I have given them {$500.00} so far but the loan is not paid off I ca n't afford to pay them anymore money matters a little. I asked if I could skip next months payment of {$150.00}. Which they let postpone until next month. I think what they are charging is too much. Is there some way to stop paying them anymore. {$500.00} for a {$200.00} loan is a good investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I filed a complaint against Nationstar. Please see Case number XXXX. In the meantime, the property in question was listed for sale with a local realtor. After over 300 days on the market, we were able to find an interested buyer. Nationstar was informed that a short sale buyer was interested, and the realtor followed the instructions of Nationstar. I also submitted all documents requested by Nationstar. Recently, I was notified by Nationstar that the short sale was denied because the application was incomplete. I have attached a copy of the letter sent by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE filed for a loan modification, due to hardship, illness and low income, with Nationstar in XXXX 2016. It took 2 weeks for the 'time sensative ' application to reach us. We were assigned a loan specialist, XXXX XXXX, to oversee the process. We sent the documents requested, sent more documents when the first were deemed insufficient and so on. XXXX XXXX was never available for the telephone, when he would call and reach our screening message he would hang up, and when responding to a message left for him would call back, but always at the wrong phone number. Finally we reached an individual that saw what the problem with our documents was and we sent the correct one on Thursday, XXXX XXXX, 2016. The following Monday, XXXX XXXX, our application showed all the requirements had been met and it had been forwarded to the underwriters. Tuesday, XXXX XXXX, the message had changed, and we were informed that our application had expired XX/XX/2016, and we could re-apply if we wanted too. 
My wife was able to get through to a different agent on Thursday XXXX XXXX, 2016, who informed her that the reason the action had been taken was that there were better programs, ones that fit our needs better. Friday, XXXX XXXX, in a one hour phone tag event, she was informed that had the loan modification gone through, we would have had lower monthly payments, but Nationstar would have added an additional 20 years to our loan duration. We currently have 20 years, 7 months left, I am XXXX ( soon to be XXXX ), and had a XXXX 2 1/2 years ago. My wife is XXXX and does not receive any XXXX payments. 
It is unrealistic for Nationstar to expect us to maintain a mortgage until I am XXXX years old. There never was a communication that shared their intent, the loan 'specialist ' XXXX XXXX was never available, was non-responsive and intentionally obfuscated the actions of Nationstar by returning calls to the wrong number. The last agent my wife talked to had no idea who XXXX XXXX was, and said that he would institute an investigation into why he was allowed to act on Nationstar 's behalf. 
We were applying for a loan modification under the auspices of HARP, in an effort to remain in our house. We are current on our payments and have never missed a payment, but have had some bad luck and ill health lately. We proceeded in good faith. It does not seem that Nationstar has done so.

Company response to consumer: Closed with explanation