BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2021-05-17
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
had 2 yrs internet contract with XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX, more than 2 yrs. At XX/XX/XXXX midnight service disconnected, ps notification. Received box 2 weeks after to return equipment, i sent modem and accessories, ps XXXX tracking on receipt XX/XX/XXXX they received XX/XX/XXXX. They told me to climb to the roof to remove their dish and send them a piece with instruction how to use tools to remove. I told them they must come to take it as they did in my 1st contract. I do not know how to do and have no idea. XX/XX/XXXX they created a new account number XXXX from the original and took {$270.00} stating that it is a service from XX/XX/XXXX to XX/XX/XXXX while i have no service since XX/XX/XXXX midnight. My service account number had always been XXXX ps documents. 
All my payments were automatic, my contract amount for unlimited internet {$150.00} but they charged {$160.00} they said it is modem fee, it is impossible to use another modem which is wrong. They seldom charge even that amount, ps my final bill {$160.00}, my bills vary {$160.00} and {$180.00}. Every time i complaint, they said it is only for one time due to some issues, but never. After they took {$270.00} on XX/XX/XXXX they tried again a week after to take again another {$270.00} ps notice, likely i blocked them, that transaction failed. I asked them while they are doing that, they said i have to send them the satellite equipment. Finally i had to find someone on my own to remove that on the roof. I sent them XX/XX/XXXX and they received XX/XX/XXXX. I called them last week, they said it takes 10 business days to process the refund. Surprinsingly i found again a collection letter XX/XX/XXXX for {$270.00} plus fees. We are in a country a law. My question how a company can just create an amount to rip off clients with no evidence. They owe me that amount, i filed with XXXX XXXX XXXX for unauthorized charge because i have no bill. I ended up finding someone for that satellite issue to remove and sent equipment, ps XXXX tracking for reception XX/XX/XXXX, we agreed on refund, now they want to destroy me because i files complaints against them. This is something i have ever seen i n 30 yrs of business experience. I need help. They are 2 XXXX tracking receipts, ask to explain how i get the internet and how within 3 weeks someone can get a collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$850.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2017-05-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted  XXXX   XXXX   XXXX .  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in BK. I explained by BK was released in   XXXX   XXXX     and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.   XXXX   Called and still no updated per  XXXX .   XXXX    XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call.  X/27  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since   XXXX   and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager  has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  3.75.  I have kids and would like to get my mortgage down. I 've been overpaying for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$660.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$710.00} XXXX  XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}

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 explanation
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the second complaint being filed for this account. We submitted a loan modification and it was denied due to income as the lender in this case used income from 2 years of tax returns and not from the bank statements and profit and loss that was sent to them. After my dispute I was told they are allowed to calculate the income this way and my case with the lender was closed with no resolution. I was told to resubmit the file in which I did giving them 9 months worth of a profit and loss proving the income the client has exist and it is year round. We are now being told they will not review the most recent income and the loan does not qualify for a modification due to it being 3 years or more delinquent.

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 2023-08-08
Company: Dave Operating, LLC
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 was issued a hardship loan through my work for medical expenses and it was deposited into my Dave banking account last night. Nearly XXXX dollars was then taken from my account by a fraudulent cashapp account that I have never seen before. Over 100 separate transactions were made in a matter of minutes all in different amounts XXXX, XXXX, XXXX, etc. I am so upset that this happened and now Im going through a lot more stress because of this, all the charges are pending and Dave personnel are telling me they cant cancel the pending charges until they are processed which in my opinion is insane. I did not authorize those charges and Im extremely angry with them and the situation. I am burried in dept and cant afford to have this money taken away because of some scammers. Please help immediately!! Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
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:
I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the rights to collect this debt. This was ignored and negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was claiming the debt is fraudulent and asking for a police report. This is an intimidation tactic and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/2023 in the amount of {$3000.00} I made a payment to my credit card bank of America on XX/XX/2023 in the amount of {$3000.00} they took the funds out of my account and shows the payment on my account but they made the payment a charge vice a credit to my account like they should of. I called they refuse to make the {$3000.00} payment I made show as a credit to my account vice a charge and they took the money out of my account. SO they basically XXXX XXXX XXXX from me. I want this payment credited to my account ASAP! i ALSO WANT A CREDIT FOR ANY INTREST CHARGED FROM XX/XX/XXXX UNTIL THE DAY THEY APPLY MY PAYMENT AS A CREDIT VICE A CHARGE.

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 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One has fraudulently obtained my nonpublic personal information and using it to defame my character for it's own financial gain. I have never opened up any account with this company and do now have any knowledge how Capital One obtained my nonpublic personal information. The only communication Capital One has made with me is through unauthorized contact to coerce collection of a debt that I do not own or owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX and I have a credit accounts with Bank of America. Since 2018 I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX  XXXX for XXXX and finally at the XXXX XXXX XXXX they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the XXXX of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am deaf and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.

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 2022-05-20
Company: Convergent Resources, Inc.
State: MD
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:
Convergent Outsourcings reporting collection on my XXXX and XXXX credit report. This is not my account. I need it removed. XX/XX/2022 for 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 2023-01-25
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a foreclosure notice from mortgage lender XX/XX/XXXX ( only two months behind ) {$1700.00} Sought help with a housing counseling agency XXXX XXXX XXXX ) Agency submitted my information to the lender to stop the foreclosure ( XX/XX/XXXX ) Agency submitted my information to WVHDF HAF program ( XX/XX/XXXX ) Agency checked on status of the HAF Funding XX/XX/XXXX ) HAF funding was able to pay on one months arrearage with note from Mortgage Solutions that they do not work with HAF funding ( {$570.00} ) Agency contacted Mortgage Solutions and was told even with a third party authorization document faxed and mailed to them on XX/XX/XXXX it was not valid because the " signatures did not match '' ( XX/XX/XXXX ) Agency was trying to determine if the funding would bring the account current or if the account would be one month behind still and in jeopardy for future future foreclosure actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TD BANK US HOLDING COMPANY
State: TN
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:
In XXXX, I purchased furniture from XXXX XXXX XXXX. I financed this furniture through XXXX XXXX XXXX XXXX. I have paid for my furniture in full, and XXXX XXXX XXXX XXXX continues to harass me by calling multiple times a day. I made numerous attempts in XXXX and XXXX to settle this debt for XXXX XXXX despite the fact that my furniture had already been paid in full. I was told by XXXX of the dozens of customer services representatives with XXXX XXXX XXXX XXXX that I would not be able to reach a reasonable settlement unless I first allowed my account to go into default status. The problem with that is that TD Retail Card Services continues to post negative marks on all three of the major credit bureaus, causing my credit score to plummet significantly. In fact, I had to settle for an auto loan with an extremely high interest rate because they were the only ones to approve me. On nearly every XXXX of the dozens of phone calls I have made in an attempt to rectify this matter, I have made the representative aware that the XXXX XXXX has had a catastrophic impact on my family 's ability to meet even our most basic needs. There was no consideration for this matter. I would repeatedly ask for an itemized statement of the alleged charges, but I would ultimately be transferred to a line was supposed to be where I would be greeted by an account XXXX to assist me. At that point, I would be immediately disconnected. I am asking that the alleged debt to TD Bank/XXXX XXXX XXXX XXXX  be forgiven, that all negative reporting be deleted from all credit bureau reports , and I am ask for {$3500.00} to be paid directly to me so that I may pay down the principle for my high interest auto loan that I would not have otherwise incurred if even XXXX person would have cooperated with me in my numerous attempts to settle this account. I just want to do the right thing, and they have made it unreasonably challenging to do so. It seems remarkably unethical for them to force me into a delinquent status in the wake of a pandemic and armed with the knowledge that my husband had abandoned his family of XXXX.

Company response to consumer: Closed with non-monetary relief