BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : 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 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 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 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 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 2023-06-06
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card thru Capital One solely for the purpose of utilizing the advertised Virtual Credit Card features. This feature allows you to create a pseudo card number to protect your privacy by not revealing your actual card number when making purchases online. I was told by several employees before signing up that this feature would be available to me right away once I received the card. The website that advertised this card also says this feature comes with the card. When I finally received the card ( after a long long wait ), this feature was not available to me. I called customer service and they said this feature isnt available immediately, and can take anywhere from 1 week to 90 days to start working. Theres no controlling this they said, and it will randomly just become available so theres no telling how long you will have to wait for the feature to become available. I think possibly the main issue ( I figured this out on my own ) is the feature uses 2 factor authentication when signing up for the feature. It has you enter in your phone number and it uses your carrier to verify your identity. When I try to do this it says the system can not verify my identity, even though my name thru my carrier matches the name on my account perfectly. I called 3-4 times, no one was able to help me, even after speaking with tech support and several managers. I asked to be contacted by the managers manager, and they said this was not available to me. No one offered to help in any way, and I still do not have the advertised feature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is an account I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oaks Ca XXXX XXXX Customer Care XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter regarding the negative report I have received from the Monterey Collection agency. This agency works for the XXXX XXXX XXXX a timeshare located in XXXX XXXX. We purchased a newly built unit in XXXX XXXX XXXX. We were told the presentation only takes XXXX minutes and we have no obligation to buy. this most harassing presentation finally forced us to sign the papers that trap us in a commitment that we never really desired. They talk about immediate booking anytime we desire, helping us to rent our other timeshares that never happened, long process of booking our timeshare and sometimes we even couldn't do that. We paid {$5000.00}. It was early 2003 or so. When we bought the week every other year we thought when we went to XXXX that was the unit we would get. Every time we went we got a different older section and we were unhappy. We complained to XXXX XXXX XXXX but nothing changed. We had paid off the unit and got tired of paying fees every other year when they did not give us the unit we purchased. At a time when we could not afford to pay and financially we were practically broke. However, at a time when we could not afford to pay and financially we were practically broke. I decided to resolve this matter peacefully after our case has already been passed to Monterey Collection Agency and talked to one of their agents. In talking to this agent -Tessa- XXXX put my condition to resolve the issue to pay one time the disputed amount of {$1000.00} if they help me to relinquish the timeshare. We ask them to reach us from paying anymore and let us sign the owner transfer form. We kept trying to get that form but they refused to let us out even after we paid it off. This was unfair and unjust as were sold one thing and given another. This was a lease after 25 years it's gone with no ownership. I am strongly disputing this matter and I want the bureau fairly consider this report that unjustly affects my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation 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 explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: NJ
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 have disputed things on my credit report and XXXX  did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. XXXX  has not yet removed this or any of the other items disputed that XXXX  has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX foreclosed on and sold at auction a condo when the mortgagee died with no assets and as part of the probate process. 

They sold or transferred the account to Selene, which I've spoken to a couple times and told them this property was already foreclosed on and sold at Sheriff sale by XXXX XXXX. 

Selene continues to correspond with me wanting payment and with statements showing they are continuing to make escrow payments for insurance on a property/mortgage they never had a right to collect on. 

The last person I spoke to XXXX  months ago said she'd have to refer it to a supervisor to handle and he would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Dear CFPB, I am writing to lodge a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. 

On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. The bank 's insistence that this is my fault is unjustifiable. 

Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. 

This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, 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 2023-03-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My rhetorical question to XXXX XXXX This is XXXX XXXX ' XXXX Executive Office Case Specialist XXXX XXXX XXXX XXXX ) reply to me on XX/XX/XXXX : " We also found the check deposit on XX/XX/XXXX, to the account at another financial institution was returned as unpaid on XX/XX/XXXX. Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' I have three points for you to clarify : 1. Which financial institution is " as a credit to the other financial institution ''.

2Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' Please show proof of another financial institution you deposited on XX/XX/XXXX? Whose account is it? What is the account number? 
I have XXXX XXXX 's statement for XXXX and XXXX, but there is no deposit of {$25.00}. 
3I spoke with XXXX XXXX on the phone and she admitted to have XXXX XXXX XXXX bank statement ( XXXX ). She said today that it is a another financial institution, how can she change it back and forth? 
I am very dissatisfied with the service from Wells Fargo. They shirk their responsibilities, and half a year has passed, and no one has answered me seriously. 
Your irresponsible attitude is a waste of resources. 
If you don't solve this matter for me, I will never give up! 
I once again reminded the relevant customer service staff of Wells Fargo : You and I, take out XXXXXXXX XXXXXXXX XXXX XXXXXXXX statement for verification, and everything will become clear. 
Why are you dodging? Avoid the facts? 
Why don't you dare to face XXXX XXXX XXXX XXXX bank statement 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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit score and noticed a change. There was an XXXX XXXX Credit card on my credit report being delinquent. I called the merchant and they check the account with my SSN, name address and said i do not have an account with them. The account that is listed on my credit report is fraudulent. This must be removed.

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 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) XXXX XXXX 2. XXXX XXXX XXXX 3. university of XXXX XXXX XXXX 4. XXXX 5.XXXX XXXX inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX  XXXX XXXX 9. XXXXe XXXX XXXX  10.XXXX 11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX bank 14. XXXX cards 15.XXXX 16. XXXX XXXX   XXXX XXXX dba 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXXs 20.XXXX XXXX  21. XXXX XXXX XXXX 22 XXXX XXXX 23. XXXX XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX 26. XXXX 27. XXXX XXXX XXXX 28. XXXX XXXX 29. XXXX XXXX  30.XXXX XXXX  XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. 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 2023-01-07
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been trying to find a way to settle my mortgage account with the current servicer, Real Time Resolutions. They have denied my attempts and failed to provide me with information on my account in regard to current monthly payment amounts, late charges and fees assessed each month and the full history of my account information. I have submitted requests in writing asking for these details but have not received them. On XX/XX/XXXX, I asked about repayment plans and loan modifications but was advised by a telephone representative that these were not offered. I also offered lump sums on XXXX different occasions to settle the debt but was denied both times. In XX/XX/XXXX, I offered a lump sum of {$14000.00}. In XXXX of XXXX, I offered a lump sum {$30000.00}. Both amounts were denied by Real Time Resolutions. On XX/XX/XXXX, I sent Real Time Resolutions a " Qualified Written Request '' via certified mail. They responded but failed to answer crucial questions and provide documentation of monthly payment amounts, late fees, interest charges, and loan balance amounts from the time they acquired the account until present. On XX/XX/XXXX, I emailed them a letter requesting a breakdown of the late fees and charges that are applied to my account on a monthly basis. They responded but again, failed to show a breakdown of their fees and failed to provide documentation of my account from the time they acquired it, until present. 

I have made phone calls, written letters, sent emails and offered lump sums as attempts to settle this account and to find missing information that is not being provided. These attempts have all been denied or ignored. On XX/XX/XXXX, requested for the investor to review the account, however I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

Company response to consumer: Closed with explanation