BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 following items were seen on my credit report which I found some erroneous remarks in each item. TransUnion has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-09
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account XX/XX/2019 on my XXXX  and XXXX  credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.

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 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we paid off our mortgage through a refinance. We did not have an escrow account for taxes and insurance, but during escrow, the payoff was overestimated, which resulted in an overpayment of {$3600.00}. This overpayment was deposited to an impound account. 

I already knew that there would be a large overpayment, I had been watching and waiting for the refund. I did receive a letter from the mortgage company stating that if there was an overpayment, they would be refunding it within their regulations and guidelines. 

By accident, I found a letter posted in my on-line account dated XX/XX/XXXX entitled Annual Escrow Account Disclosure Statement. {$3600.00} was deposited into the impound account. In addition, interest in the amount of {$4.00} was added for a total of {$3600.00}. In addition, there was a copy of a voided check in the amount of {$3600.00}. I assumed that I would receive this check within one to two weeks. 

On XX/XX/XXXX, I called the company. They verified that the check was cut and believed that it was mailed between XX/XX/XXXX and XX/XX/XXXX. They told me that it takes a long time to get the mail from XXXX XXXX to XXXX. I asked what are the steps if I don't receive it. They said that if I don't receive it, they would put a stop payment on it and reissue the check, but that I have to wait at least 30 days from when it was cut to request this. 

I find this situation unacceptable. There was never a late payment on this account, and the mortgage company 's loan has been more than satisfied. I think it's reasonable to wait 30 days to get a refund, but I do not believe it's reasonable to wait an additional 30 days or more to actually get the money. As long as I do not have the check, the mortgage company has the ability to have use of the money. I also think it's abnormal for even the US Post Office to take a month to deliver a check. I know that's never happened when I receive my bills. The company representative also told me that this happened to another customer and it took over 3 weeks for her to receive a refund. I am suspicious that the company may have a process to hold mail back to enhance their profit while continuing to date their letters and checks to look as though they're compliant with their regulations. The entire process from loan origination back in XXXX until this closing will keep us from ever pursuing a loan of any type with this company.

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 2023-09-11
Company: Resurgent Capital Services L.P.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. 
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I went into my local Wells Fargo branch to deposit a check into my bank account. The check was still attached to stub and I tore it off in front of the bank teller. After signing the check and giving it to the teller, she stared it and said " hmmm ''. I could tell that she was discriminating me due to the amount of the check and because of my ethnicity. She asked me why was I receiving a check of this amount and if I had any proof. I was clueless because I provided her the entire check stub which stated the origin of the check. 

The bank teller said she would have to verify the check and I would need to have a seat and wait. After about XXXX minutes, the teller said she verified the check and could proceed with depositing. I waited patiently while the teller deposited the check and then she again said, " you know what, let 's just get a XXXX ''. This is not my first experience being discriminated by Wells Fargo ( see CFPB Complaint # XXXX ). The XXXX came and signed off on things and I was provided a receipt with some of my funds available the next day and the remainder would be available in 3 days. 

The next morning, I awoke to a message from Wells Fargo that they were closing my account because they believed the check to be altered ( even though their teller and XXXX verified it ). I was in shock and called Loss XXXX, who stated they again needed more proof that I was the owner of the check. I took evidence from the payer of the check stating the check amount being sent to me and the purpose of my check which was CA XXXX Rental Assistance. My local Wells Fargo took the evidence and again made me wait. After XXXX minutes, the bank XXXX came back and said that Wells Fargo still does not believe the check belongs to me and would now need a notarized letter from the payer. 

Wells Fargo has put me through so much. I feel judged every time I walk into a location.

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 2022-02-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Acct # : XXXX... 
Balance is incorrect - Shold be XXXX Dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They have paid me part but not all I dont understand how you can pick apart my claim, I am a victim of identity fraud by a roommate of mine, my life has been ruined, she has financial ruined my credit and I really need to move we both are on the lease

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 monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The XXXX XXXX are reporting late payments in my credit, and i paid on 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
Consumer complaint received 2018-05-12
Company: ID Analytics, 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: Account information incorrect

Complaint:
My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help XXXX XXXX hopefully make more money on their auto loans. 

Limited history at address : I am in the process of moving to this location. I told that to the XXXX   people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. 
Not enough debt experience - I usually pay CASH, is that a crime? 
Total Account balances? 
Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that? 

XXXX XXXX, ( XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that XXXX XXXX can change the terms of the submitted auto loans so that XXXX XXXX can make more money. 

I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as XXXX XXXX, for sure.

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 2023-05-30
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently behind on my mortgage payments and over the past two months have tried unsuccessfully to obtain a solution by my mortgage servicer. I have complied with every request for documentation within their time constraints and have copies of all correspondence. They constantly claim that documents are either missing or incomplete. 
Even though I've been assigned a representative I'm always told that she is busy, consequently I've spoken to at least eight people and have received eight different answers regarding documentation. In XXXX I had exactly the same experience with this company and was fortunately able to resolve the issue after enlisting the aid of The Office of the Minnesota Attorney General. To paraphrase XXXX XXXX my current dealings with Specialized Loan Servicing have been like deja vu all over again. After doing some research on line I discovered many customer complaints similar to mine with an overall service rating of one out of five stars and the CFPB settlement of XXXX. I feel time is of the essence regarding my situation as I received a notice of intent to foreclose on XX/XX/XXXX. SLS services over XXXX XXXX dollars in mortgages and it is absolutely mind boggling how inefficient and duplicitous they are.

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 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from XXXX XXXX XXXX XXXX my finacial institution credit alert stating there was an alert for suspicious activity and possible fraud after which I logged into my XXXX credit online account and found it was an account opened in XX/XX/2022 in my name with Capital One and it was reporting late payments and possible Collection account. I am currently deloyed in XXXX and I have not been in the US for over XXXX... So I used the contact number found on my credit report to contact Capital One to let them aware it was Fraud ... after I called XXXX to make a dispute on the inquiry and account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: WELLS FARGO & COMPANY
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Lost and Stolen card used without my permission filed IC3 Report with FBI and FTC report number XXXX Would like to have balance to be {$0.00} and taken of credit report also since its against the law to have on credit report

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 2019-10-09
Company: General Motors Financial Company, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my phone was stolen, and 4 fraudulent transactions were done through my Paypal account. These were non authorized and fraud transactions that I never initiated. The funds were taken out of my linked XXXX XXXX account, the transactions totalled over {$6000.00}. I called both my bank and Paypal to report these transactions as unauthorized and fraudulent. My bank recognized these transactions as fraudulent reversed the pending transactions, but Paypal on the other hand is saying that those transactions were authorized ( even though I never did them myself and my phone was stolen ) now I have a negative balance of {$4500.00}, and Paypal is stating that I must pay back this amount. I even submitted a police report about the incidents that occurred during my travel in XXXX, XXXX XXXX. I have appealed this case 3 times and they never solve this situation. 
I just don't understand how 4 different big transactions went through, when I have never sent money to that person before nor I've ever transferred those amounts of money. I didn't even have enough money on my bank account and these transactions put it in an overdraft state. 
These are my lifetime savings and I can't afford to pay this back nor I should be required to, because these are fraudulent transactions. I need to report this bad business practice. It's just not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-09-11
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
There is a total of 6 loans, I used each loan to payoff the new loan and the loan amount are small, not execeeding XXXX XXXX. I can provide full documentation on all these loans upon request. 

Called the company and requested the payoff amount, they responsed XXXX with one amount and then when I called and asked again about the payoff on XXXX they responed with a different payoff amount. 

XXXX - XXXX XXXX - XXXX These amounts do not match. In addition they told me that they could charge interest outside the loan payments which was a bit confusing to me as this is not what I agreed too in my documentation. 

The information given did not match what I had originally agreed too, they are asking for excessive payments outside the payment schedule of the loan.

Company response to consumer: Closed with explanation