BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or 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 explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: NM
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:
On XX/XX/2023 I wrote check number XXXX payable to The XXXX XXXX XXXX. The check cleared my account on that day and was credited to my account at XXXX XXXX XXXX XXXX. Then again on XX/XX/XXXX, the same check was again debited from my Wells Fargo account. This one is a fraud. I wrote only XXXX check for {$2900.00} and it was debited twice. I need to get my {$2900.00} back from Wells Fargo. I have filed 3 complaints with Wells Fargo. They keep closing the case and I have to have it started over again. One of the claim numbers is XXXX. I think that is the most recent one but I may be wrong. Another claim number is XXXX. There is no progress on this issue and I still don't have the {$2900.00} back. I need this to be resolved. Wells Fargo was negligent in clearing the same check twice and the second time it was not cashed by the payee. I don't know who cashed it the second time as the endorsement is illegible.

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 2020-06-12
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I attempted a withdrawal from a Columbia bank ATM in XXXX XXXX Washington. It shows up as a transaction from Columbia bankXXXX XXXX XXXX. The attempted withdrawal amount was {$400.00}. The total amount that was taken from my account was {$400.00} which includes the ATM fee. I did not receive any funds from the ATM that day. 

The physical address for the bank is : Columbia Bank XXXX XXXX XXXX XXXX XXXX, WA XXXX I immediately disputed the charge with my bank ( XXXX ). The money was returned to me but later that decision was overturned and the money was taken back out of my account again. I escalated the dispute and it was denied again. I called XXXX dispute department 4 times trying to resolve the issue to no avail. The representative that I kept getting wasnt actually in the dispute department and told me that department can not be reached by phone or email. At that point I filed a complaint on this website. 

A person from the actual dispute department finally called me and basically said Colombia bank sent them information that proves the money was taken from the ATM. I called Columbia bank asking for the video surveillance of the ATM but was denied. XXXX said there was nothing else they could do for me and Columbia bank was blaming XXXX. 

This error was not my fault and the money was not dispensed to me which the video surveillance will prove. At this point I dont  know what else to do about the theft from my account. Please help.

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 2022-03-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive mailed out letters to this company and they have not responded to any of my letters. They are reporting that I owe a debt which is not mine and causing my credit score to decrease. This is my final request for them to contact all 3 bureaus to have this account removed from my report before I seek counsel and I will be seeking damages as well

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: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted ERC debt collector ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX ) multiple times disputing an item on my credit. 
XXXX XXXX XXXX has verified with me that they do not have record of me having any contracts with them other than a pre-paid phone, in which would not report to my credit. Even with that confirmation XXXX. I sent ERC an email to verify proof of identity towards the debt or have it removed due to fraud XXXX as well. XX/XX/XXXX was the last time i contacted ERC for an update but they are still waiting on XXXX XXXX XXXX. I am almost reaching a month of waiting for an answer about this fraud on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-10
Company: CITY NATIONAL BANK
State: CA
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:
On XX/XX/2019 XXXX XXXX opened a credit card with Citi National Bank and forged my ( XXXX XXXX ) signature. I had no knowledge of the credit card card being opened until the bank asked me for payment. I never had a card in my possession. I believe that a former employee, named XXXX XXXX ( not sure of the spelling ), helped XXXX open the card. XXXX is a close friend of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State  does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXXA copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.

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 2023-03-06
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

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 2018-10-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property damage loss occurred on XX/XX/18. I paid {$6300.00} on XX/XX/18 for a plumbing repair caused by a covered peril ( lightning ). I received the settlement letter from XXXX  dated XX/XX/18 and received my check on XX/XX/18 payable to me and Suntrust Mortgage. Per Suntrust procedures I had to endorse the check and send to them along with the 16 page adjuster worksheet, I received my endorsed check back from Suntrust on XX/XX/18.

I called my insurance company ( XX/XX/XXXX ) and asked why the plumbing was not included in the initial settlement when the loss was caused by a covered peril - the claims adjuster made the correction and issued a supplement to the settlement and I received the reimbursement check sometime during the week of XX/XX/18. It was made payable to me and SunTrust Mortgage.

The manager at my local Suntrust branch told me to follow the same procedures as the first check - I endorsed and sent via XXXX to Suntrust on XX/XX/XXXX along with my proposal dated XX/XX/XXXX and invoice dated XX/XX/18 from XXXX XXXX. I was expecting to receive my endorsed reimbursement check back from Suntrust by XX/XX/18. I called them on XX/XX/XXXX to get a status and was told they were holding my check because apparently it was not clear the invoice was paid in full so I submitted my paid receipt and a copy of my credit card statement showing the charge made on XX/XX/18.

On XX/XX/18 Suntrust has cashed my reimbursement check and is holding my money and a check will be made payable to me and my contractor. I received a letter requesting a revised adjuster worksheet, contractor proposal, contractor waiver of lein and contractor W9. There is no revised adjuster worksheet, I have already submitted the contractor proposal plus my invoice and paid receipt. I called XXXX XXXX XXXX to get the lein statement and w9 - the job is done, and paid in full by me on XX/XX/18, and they have no need to get involved at this point.

On XX/XX/18 my claims adjuster submitted a letter to Suntrust on company letterhead stating the check issued on XX/XX/18 in the amount of {$4300.00} was intended to be a reimbursement to me for a repair paid in full by me. XX/XX/18 Suntrust acknowledged receipt and continues to refuse to release my money.

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 2023-05-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we had an appraisal done to remove PMI. The mortgage payment was {$3600.00}, I received a escrow analysis notice stating escrow shortage of {$850.00} in XXXX, I paid that in full the end of XXXX by the due date. The PMI removal was approved XX/XX/XXXX but the account was also transferred to XXXX during the appraisal review. XX/XX/XXXX another escrow analysis was performed and showed a shortage. I disputed this second analysis and was advised another would be performed in XXXX. I dont understand why XXXX escrow analysis are being scheduled. I have only been in the house since XX/XX/XXXX. 

Real problem, the pmi was removed, the second analysis was removed but my payment amount is incorrect. Customer service says they never sent me a letter saying my payment was {$3500.00}, but I printed it and it is no longer in my online portal. I am turning off my autopay scheduled for XX/XX/XXXX {$3600.00} because that amount is incorrect. If I dont need an analysis to reflect any changes, then based off the XXXX analysis, shortage being paid and pmi removed, my payment should be roughly {$3500.00} or {$3600.00} if we add the shortage for the change in HOI premium ( {$1600.00} increased to {$1800.00} ). I made this argument/complaint around XX/XX/XXXX and was told an request was submitted. But the request only removed the analysis ran XX/XX/XXXX but the " system '' hasnt updated my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2018, XXXX XXXX XXXX XXXX in XXXX XXXX, Minnesota pulled my credit report from Experian/XXXX XXXXXXXX. My credit score was over 100 points less than what I know my score to be from several other sources. This lower score ultimately affected the rates that this credit union was offering me for an auto loan.

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 2018-04-13
Company: Synovus Bank
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Found and add online for a Prepaid Credit card to assist in building credit. I prepaid XXXX $ to get the card. A week later I received it in the mail. Company name Is XXXX XXXX, and the card is a XXXX XXXX. Soon after I activated my card via the number provided. Ever since, I have attempted near 10 different locations to use the card, and all have been declined. Iv been charged a fee every month for not using the card, and after excessive amounts of attempts to contact personnel, I have gotten no where. All phone numbers provided go to a recorded voice with no voicemail options, Online login is a no go, and my credit is only dropping. I am unsure how to escape this nightmare, and also have noticed the company has horrible reviews online and probably scams many people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Wife got a credit card in my name with capital one, without my permission. Only found out about it after she passed away. Called capital one and would not help me and was told there was nothing wrong or illegal about her opening an account without my knowledge. Got the account closed and they sent it to collections. Would not send me an itemized list of charges or a signed agreement from when account was opened when I asked several times. I never saw a card or statement from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CREDICO. INC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from credit collection Bureau, they stated I owed XXXX I'm debt, most of which is more than six years old. When I asked for a debt validation letter after explaining that this is the 3rd credit collection company to contact me about this specific debt one being from XXXX the birth of my child which was covered under XXXX they refused, I spoke with the supervisor who also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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: Information belongs to someone else

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 under 15 U.S.C 1681 XXXXBalance {$660.00} XXXX XXXXXXXXBalance : {$7900.00} XXXX XXXX -Balance XXXX {$5500.00} XXXXDate Opened : XX/XX/XXXX : XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Date Opened : XXXX/XXXX/XXXX XXXX U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Harpeth Financial Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a letter from XXXX XXXX Firm stating that I owe a debt that is not accurate and not the correct debt. This so called law-firm is trying to use communication tactics and not following the law when informing someone of their debt. The original debt is from a fake loan company that is illegally trying to collect on fake loans/debts. I am asking the CFBP to get involved in this fake debt collection process. I am also contacting the Virginia attorney general 's office to contact this so-called law firm and have them stop collecting on fake debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Blockchain.com, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX of XXXX  I requested funds in my account to be transferred at the time it was {$250.00} now its {$170.00} and Ive requested to close my account 5 times very scared amount will drop again Ive tried on several occasions contacting blockchain but got no answer I wish to have my account closed and money mailed in a check this Blockchain wallet is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FISERV INC.
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:
My middle class tax refund card was stolen. I gave have been trying to get the {$700.00} in fraud on my card reimbursed since XX/XX/2023. My claim was denied after an almost 90 day investigation. I have not received any documentation regarding my claim. I have asked numerous times for the denial notice and documentation associated with their investigation be sent to me. I have received nothing. I emailed an appeal on XX/XX/XXXX. When I called and asked for status I was told that nothing is being done with my appeal and no investigation is under way. I have been getting the run around for months. I have talked to several supervisors who have emailed the fraud department asking why my claim is denied and to send the documents to me but they never receive a response or send the documents. I would like the funds refunded 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