BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: 21ST MORTGAGE CORP.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was struggling with my finances and applied for a XXXX  XXXX bankruptcy in XXXX. I have not missed any payments toward that repayment, and it will be completed at this schedule in XXXX of XXXX. As soon as that was filed and I started making the payments on the biweekly schedule, I started having issues. They continue to tack on additional fees and out of left field started to pay my Homeowners insurance. They have not added an escrow/impound account to my payment, which would make sense if they were intending to pay on a continuing basis. So they pay with no reserve and set me up on a payment schedule outside of the bankruptcy, claiming that this is part of the original contract. When I make payments on that schedule, they apply funds to the principal balance or fees, and will not reapply them. This has been done over the phone with explicit instructions to apply to the homeowners insurance. After making payments on this ridiculous plan, they claim that I have not paid and start to threaten me with foreclosure. I then have to come up with the funds AGAIN and pay up. This leaves me short on other expenses, including utilities and groceries. I have also had to neglect my vehicle, which is in need of repair and also being paid through the XXXX  XXXX, and currently is not running. This year, the incident is happening just in time for the holidays. I have had to cancel all of of my plans to get this dealt with. Just today, I called and asked to speak with a manager. I was told there was no manager to speak with. They are abusive and predatory, and denying service for which I paying. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: I.C. System, Inc.
State: TX
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:
IC Systems has attempted to collect a debt that does not legally belong to them purporting that there is a balance owed from XXXX. IC Systems has broken the law by threatening legal action against me, by hiring phony process of service companies, as well as re-aged debt from the original creditor. 

They have re-aged a debt and most recently stated that there is an account opened on XXXX 2017. I have contacted the original creditor and to their representation, there is no account that has been placed into collections, let alone with IC Systems.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Please delete 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 2023-05-01
Company: Spring Oaks Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SPRING OAKS CAPITAL LLC Account : for {$1100.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with SPRING OAKS CAPITAL LLC and do not have a contract with SPRING OAKS CAPITAL LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and SPRING OAKS CAPITAL LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I communicated with Capital One in request for validation for proof of debt. In addition to validation of debt of closed accounts listed. It is now XX/XX/2021 and Capital one has yet to furnish any type of verification/validation of debt. 

Rather, these accounts remain on my credit report more than 30 days post-dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reporting identity theft. Accounts appeared on my credit I know nothing about.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Background checks 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 2020-03-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used my debit card to reserve a hotel booking for XX/XX/2020. Hotel instructions, says that the card is used to reserve the room and will be charged when I book in on XX/XX/XXXX. I have been calling the hotel from XX/XX/XXXX to cancel the reservation due to the Corona Virus and the fear of taking my family overseas. Neither the hotel nor the XXXX booking company have been responsive. On XX/XX/2020 I went to the bank, Wells Fargo, to advised them not to pay the hotel. Wells Fargo, advised me to cancel the debit card so that the hotel can not charge it and they issued me a new card. On XX/XX/2020 I got an alert that the hotel attempted to charge {$1500.00} to the cancelled debit card. I went to the Wells Fargo bank on XX/XX/2020 and they told me that the transaction is pending and I do not have access to the money. I asked them how could they process transaction against a cancelled card and they had no answer. Wells Fargo is about to withdraw funds from a debit card that they have closed. How do I get my money back from Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-10-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX, although has the critical role of linking borrowers and lenders chose to provide incorrect information regarding Qualifying Payments made by me from the years XX/XX/XXXX-XX/XX/XXXX. I have been calling them, writing to get this resolved since XX/XX/XXXX. initially the servicer was XXXX XXXX and since XXXX has been assigned as the servicer, they have been providing misleading information regarding the payments i made in XX/XX/XXXX and XX/XX/XXXX that were taken directly from my debit card. Upon talking to XXXX today on XX/XX/XXXX, I was explained that it is my responsibility to comply with the criteria set forth in order for the payments to count toward the 120 Qualifying payments. I was not informed that the loan amount being paid was not the full amount and thus not being counted toward the Qualifying loan payments.Although this information was held from me during the times i contacted XXXX  in XX/XX/XXXX and XX/XX/XXXX and so i was unable to contact my finanacial institution to correct the loan amount that would satisfy the criteria for these payments qualify, XXXX representative stated that they can not confirm that i was given misleading information and there is nothing XXXX can do to rectify this situation as they can not be held accountable for me not keeping track of the loan amount. This is just unfair that these servicers are keeping pertinent information from borrowers so that they can make informed decisions. Misleading information and lack of help has been the pattern during my dealings with XXXX escalated team. Their practices should be questions and representatives should be held accountable for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See Attached Docs!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. 


I have carefully reviewed the Metro 2 Credit Reporting Guidelines, which specify the proper procedures for the accurate reporting of consumer credit information. It is evident that the aforementioned items do not adhere to these guidelines, and as such, I kindly request that you investigate these inaccuracies and take appropriate action to rectify them.

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 2018-10-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX  ( 2 XXXX  in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX  and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-25
Company: EQUIFAX, 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:
I have tried to dispute the incorrect lates on these accounts but the credit reporting agency will not reflect the change that my accounts are correct and payments are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit reporting 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:
There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted Capital One. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
XX/XX/XXXX - Online order for cabinet knobs. Total order {$370.00}. Home Depot Credit Card ( citibank ) charged {$370.00}. ONLINE ORDER # XXXX XX/XX/XXXX - Cancelled cabinet knob order. Balance refunded {$320.00}. Difference of {$49.00}. 
XX/XX/XXXX - Called XXXX XXXX store in XXXX, AZ to question difference. Customer Service desk told me because part of the order had to be ordered from manufacturer, credit would be issued once goods were received by store - then difference would be credited back. 
XX/XX/XXXX - Called Home Depot Credit card number- they transferred to Credit Services, who then transferred to Customer Service at the XXXX  store who told me this was a citibank issue. 
XX/XX/XXXX - Called Citibank- they said it was a XXXX XXXX issue and transferred me back to Customer Service Desk at XXXX XXXX. 
XX/XX/XXXX - Visited XXXX XXXX Customer service desk in XXXX XXXX, AZ. XXXX and XXXX were able to contact the XXXX store and get a {$50.00} credit issued. Said credit could take 7-10- days. 
XX/XX/XXXX - Received collections call from Citi Bank. Balance of {$49.00} was due XX/XX/XXXX plus late fee of {$29.00}. 
XX/XX/XXXX - Called XXXX, store manager at XXXX XXXX XXXX. He said credit appeared on their computer. Tried to track down why credit wasn't transferring over to Citi Bank and our credit card. Could not do anything more but indicated he had contacted Citi Bank Resolution department and to contact them with the case number he said was opened- Case Number XXXX XXXX - call XXXX. 
XX/XX/XXXX - Called XXXX spoke to XXXX. Transferred to different department- XXXX. No updates- could not find case # - told me to call back in 30-90 days then hung up on me. 
XX/XX/XXXX - Late calls continued with late fees. 
XX/XX/XXXX - Paid off most of credit balance. Will not risk credit rating and harassing calls for a {$50.00} balance. 
XX/XX/XXXX - called XXXX ( Citi Bank ) to follow-up with case number. Spoke to XXXX who said they have nothing in their notes about a complaint and suggested I call XXXX XXXX @ XXXX to inquire. 
XX/XX/XXXX - called XXXX ( XXXX XXXX ). Automated system - requested Customer Service Department - reason I stated - complaint. Was disconnected. 
XX/XX/XXXX - made final payment of {$19.00} for original charge and credit which was not received to zero out balance. 
**Not sure if this is a Citi Bank issue or a XXXX XXXX issue but I have spent HOURS going through automated systems, being transferred back and forth, and being disconnected. Total paid which I'm requesting refund for - {$78.00}

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 monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief