BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-11
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I returned merchandise to the XXXX XXXX for a refund over 30 days ago. I still have not received a full refund and when you check the credit card statements, you can see where the credit was applied to the account and then taken back on the same day. There are about XXXX cherges that have not received a matching refund from XX/XX/XXXX to the present. I have reported this to Merchant Disputes but I still can not get any solid answers as to what is going on. I am trying to determine if the credits on my account are : 1 ) correctly reported from XXXX and 2 ) if the credits that were taken away from me were taken away by XXXX or my credit card comany as a re-billing for fraudulent reasons.

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 2018-10-10
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint because Diversified Consultants,  Account Number XXXX, is reporting on my credit report. I pulled a credit report on XX/XX/18 and noticed the collection account and immediately requested validation of the debt with the Credit Bureaus and Diversified Consultants on XX/XX/18, via certified mail. On XX/XX/18, Diversified Consultants responded with a copy of the bill from the original creditor. XXXX XX/XX/18, XXXX responded to the dispute stating that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. 

I have no knowledge of an account with Diversified Collections ( XXXXXXXX ) and was never notified have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultants. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters, instead of sending this requested information, they sent a bill, which is unacceptable proof of validation. This negative reporting needs to be deleted off all XXXX, XXXX and XXXX  reporting agencies unless Diversified Consultants can provide me with physical proof validating this account I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: CORELOGIC INC
State: NY
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:
I did not authorize this company to run my credit, therefore i am requesting these inquiries be removed from my 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 explanation
Consumer complaint received 2018-05-15
Company: National Commercial Services, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Repeated calls from XXXX National Commercial Services. The same Voicemail everytime.

" Hello this is NCS with an important message regarding an unresolved claim. Your insurance information or satisfaction of this claim is needed to conclude this issue. Please call XXXX to speak to your representative '' I don't have any outstanding claims. I've tried to call the number and no one ever answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-01
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As knowledge has been given to me, I have tried to verify the information with my lender in regard to the source of my loan. I have accused my lender of using my name and credit to generate a security fund and then lend me my own money. I applied for a loan, I did not sign up to be the source of a mortgage backed security. According to the knowledge I have obtained, my simple XXXX XXXX dollar ( $ XXXXusd ) loan request was transformed into a mortgage back security that produce XXXX XXXX and XXXX XXXX dollars ( $ XXXXusd ) from the Federal Reserve Bank and then another XXXX XXXX XXXX XXXX XXXX dollars ( XXXXusd ) from investors. I have requested a Securitization Audit from my lender with no reply. If my mortgage identification number has a security attached to it, then the knowledge must be true and my lender has me in debt with my own money and credit. If my lender used its own money, then no security will be found. If my lender can disprove my claim, then I will resume my payments. If my lender used my name and credit and had me pay myself, then I claim all XXXX  XXXX XXXX XXXX XXXX Dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also state a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting may make any consumer report containing any of the of the following items of information any other adverse item of information, other than record of conviction of crimes with antedates the report by more then seven years. 

XXXX XXXX XXXX XXXX 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 2022-06-28
Company: Dave Operating, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a current banking customer of Dave. On XX/XX/2022, I requested and received a cash advance for {$75.00}. The advance was due on XX/XX/2022 in the amount of {$79.00}. That amount was posted as withdrawn from my bank on XX/XX/2022, however as of XX/XX/2022, Dave continues to report that balance as " pending settement. '' I contacted customer service via chat on XX/XX/2022 and they were unable to provide any information regarding the delay in confirming receipt of payment. There is no reason why Dave continues to report that balance as outstanding. Banks are not that slow in forwarding funds nowadays. Attached is a screenshot of that withdrawal to Dave.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Diversified Adjustment to see what the collection was about and they stated I had a XXXX  account. I informed them that I have never had a XXXX  phone before, let them know was a victim of identity theft and ask them how much was owed. The lady told me she felt like it was my debt and that I needed to pay them {$800.00}. I told her I would not pay that debt due to its not mine, but I would try to settle with them since she would not remove the account off my credit report. I have been going back and forth with them for about 2 years now. The account has no payment history, no balance information, no type of info about it on my credit report but it shows up as a collection. I asked them to verify the account and she could not other than saying XXXX  said it was mine. I would like this account to be removed ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I began contacting CONNS in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time XXXX XXXX XXXX had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XXXX of XXXX  and XXXX  of XXXX of XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify XXXX XXXX XXXX that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by XXXX XXXX XXXX my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023, Wells Fargo ( XXXX ) added {$70.00} interest in error to my Wells Fargo credit card. On XX/XX/2023, I called XXXX and spoke to a representative, she identified this {$70.00} interest as an error and promised a refund of the {$70.00} interest- she also gave me a case number. Furthermore, XXXX mailed me a letter dated XX/XX/2023, stating that on XX/XX/2023 XXXX credited {$51.00} back to my credit card, and on XX/XX/2023 XXXX credited {$19.00} back to my credit card. This did not happen as XXXX explained! 

On XX/XX/2023, XXXX did credit {$51.00} back to mt credit card. However, on XX/XX/2023 XXXX added a {$19.00} charge to my credit card. On XX/XX/2023 I called XXXX and questioned this charge. The representative explained that it was supposed to be processed as a credit so the two credits ( {$51.00} and {$19.00} ) would sum to a credit of {$70.00}. Basically, the charge should have been a credit, and I will be receiving two {$19.00} credits now on my next statement in XX/XX/2023- she apologized for this mistake and gave me a second case number. 

When I received my XX/XX/2023 statement, I discovered that no credits were processed and in fact the {$19.00} was debited from my WF checking account as an auto-pay transaction. On XX/XX/2023, I called XXXX and spoke to a third representative that provided a third case number, and apologized for the continued mistakes, and she explained she will request a new case to be opened for review. 

XXXX is continuing to add bogus interest charges to my credit card and erroneously taking money from my checking account as payment for those bogus interest charges. WF actions do not follow what the representatives and WF letters are promising. XXXX is wasting my time because I have to continuously contact them, and taking my money without a valid transaction. 

I am requesting help from CFPB for restitution of XXXX 's egregious actions that has caused me financial harm.

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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
General Information Account XXXX Vehicle XXXX XXXX XXXX Purchase Date Sat, XX/XX/XXXX Maturity Date Sat, XX/XX/XXXX Original Amount Financed {$18000.00} XXXX % 0-day Payoff Balance {$11000.00} good through Thu, XX/XX/XXXX I contacted CAPITAL ONE to refinance my truck. 

They had me sign all kinds of documents but thought that it would be simple and straight forward. 

CapitalOne sent me my terms of loan with them : Aug 16 Amount Financed {$11000.00} -- - I called and spoke to a person about the discrepancy of my payoff and what CapitalOne has charged me and has said I owe. 

THIS IS FACTUALLY AND LEGALLY INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A bankruptcy is being reported on my credit file in which never took place, when I contacted the courts they have no record of this. After filing a dispute with the credit reporting agency the almost immediately reply with stating the investigation was complete and found no error.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-09
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: Information belongs to someone else

Complaint:
In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my 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 2020-10-01
Company: U.S. BANCORP
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:
Us Bank reported to the credit bureau that I made no payments on my account from XX/XX/2020 thru XX/XX/2020. This information is not correct as I have made ALL of my payments from XX/XX/2020 thru XX/XX/2020 2020

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 2018-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Pennymac wrongfully denies my loan modification based on my race and decides to use the typical standard statement they tell others stating claim my debt to income ratio was high. Well thats totally un-true and Ive provided plenty of evidence showing the expenses related to the house which will show my expenses pretty much totals or exceeds my income. My mortgage shouldnt have been more than {$1500.00} but of course, I got ripped off by XXXX XXXX XXXX and now Pennymac. I put 20 % down and still Im paying Mortgage protection insurance which doesnt benefit me at all. I demand a modification or Ill never stop complaining and making accusations..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 initially made a payment to XXXX XXXX  in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly

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