BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}

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 non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Upon opening an account with Upgrade, I was provided a " Truth in Lending '' document. This document states what my monthly payment should be if I were to utilize the maximum amount of credit extended. I have not utilized the full amount, nor has my interest rate changed from when the " TIL '' was provided. Despite this, I am being billed at a higher monthly statement that what was provided on the " TIL ''. I have never missed a payment, and have on occasion, paid more than the minimum. I reached out to customer service and spoke with XXXX. I explained that I feel my monthly statement is being calculated incorrectly. She was able to view the uploaded " TIL '' document on my account and verify the numbers I was provided. She was unable to provide a valid reason as to why my bill is being calculated higher than the maximum amount provided on the Truth in Lending statement. 
She stated that if I immediately maxed out my card at XXXX, then my monthly amount would be what is provided on the " TIL '', however, since I did not utilize the full amount, the amount is different? That is not how the Truth in Lending Act works, and something is wrong. Upgrade has NOT contacted me back with a supervisor despite filing an official complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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 originally had a mortgage through XXXX XXXX  which was never paid late. Then on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXX XXXX  and then to Carrington mortgage Bank. Carrington rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXX XXXX  apologized and removed the late payments. But XXXX and Carrington have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. 
We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: AL
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:
So much of my time has been spent on this issue. I have all the correspondence needed that if looked at in chronological order would be sent as evidence with no disputes. 

This was my message to Wellsfargo customer service and then forwarded to the board of directors listed email. 

Please someone help if you can! 

Almost XXXX months of being the liaison between XXXX and Wellsfargo. XXXX years of being a customer. Not a customer with a lot of money or a financial portfolio that would add to your institution but nevertheless a customer. 

How in the world $ XXXX dollars with multiple pieces of hard copy evidence where I was scammed through an electronic payment via wellsfargo debit card but can not get resolution is hard to understand. Im still negative in my checking account since the provisional credit was taken away. I still have all the documentation including the one where XXXX stated the case was won in my favor and credited back per my financial institution and a lot of other hard copy facts to hand in to whoever will be looking into this case. 

The damages of a bad checking account balance are endless. My livelihood, employment background and availability to have standing with another financial institution is being affected. 

Im in XXXX XXXX, XXXX willing will graduate this year, work XXXX jobs and plan to have a very stable financial future ASAP. 

The most sad part about this whole situation is that the amount in question that I was scammed out of was for a deposit on a rental to quietly and safely move to for protection from an abusive living environment. 

I will be reaching out just like I have been to solve this matter. I cant possibly be the only XXXX in the world dealing with an issue like this. I could have easily given the home owner/scammer cash if I wanted to flush money down the toilet but I didnt, I used a debit card linked to a XXXX for safety and a paper trail for validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Grain Technology, 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:
I have an account with Grain. I wanted to check the balance because at the time I was going to pay the account off. On XX/XX/XXXX got an email that they need to verify my ID. I submitted my info and haven't heard back since. Now I can't log into the account, and I can't see my balance but they faithfully withdraw money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NV
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 am writing to address a matter of utmost urgency involving several FRAUDULENT, INACCURATE, UNVERIFIED AND ERRONEOUS REVOLVING ACCOUNTS on my credit report, which have been erroneously linked to my identity. Upon a comprehensive review of my credit report, I have identified the following erroneous accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Balance : {$9600.00} Date Opened : XX/XX/XXXX I must emphasize that these accounts are not associated with me and are a result of identity theft, a situation that is both distressing and deeply concerning. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) enforced by the Federal Trade Commission ( FTC ) and applicable privacy laws to request the immediate removal and Block of these erroneous entries. 

Furthermore, I wish to draw attention to the urgency of this matter. According to the FCRA and other pertinent privacy regulations, erroneous information must be rectified within a reasonable time frame. Given the gravity of this situation, I kindly request that these accounts be expeditiously removed from my credit report within four days mandated by law. 

I thank you in advance for your immediate attention to this serious issue. I trust that you will uphold the commitment to consumer rights and privacy laws in rectifying this situation.

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 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi Folks, Good Morning. I have 2 Credit Card accounts with Capital One. I was out of country for 2 months in 2022 and was unable to login to the accounts because Capital One send the OTP to my phone number only and they don't have the ability to send OTP via email. Since it is impossible to get phone access out of country I was unable to login and pay the credit card on time for that month. Capital One promptly reported it as late payment to the Credit Bureaus. Since I came back I put my accounts back on track cleared all dues and called Cap One and told them the whole situation but they were acting very unprofessionally and being rude instead of even bothering to listen to all that happened that caused the late payment. Finally I called back 5 months later and the supervisor XXXX did not even bother to understand the situation and instead gave a CapOne address in Utah that she wanted me to send documents by snail mail and complaints with all my details including SSN, DOB, Flight documents etc. She also said they don't have a website or even a phone number to reach out. Isn't this ridiculous in this day and age? Isn't it shameful for the Supervisor and Capital One to behave in such a careless manner? All you could have done is understand the issue of the customer see if that is valid and proceed from there? It is a simple question, Does Capital One have the ability to send OTP to Email or not? If you answer NO then accept it and apologize and work on it so other customers are not having same issue in future. Don't try to hide by being rude and talk rubbish. Also I insist that CapOne provides OTP by email so it does not impact other customers in future. Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-03
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was awarded a home in a domestic divorce settlement which was already in default .I contacted my lender to do any first loan modification I submitted each document that was asked for .After checking on it for every other week I kept getting a rep saying they will get back with me.To no avail nobody did .I was scared so I filed bankruptcy to give me sometime to decide what to do .I later decided to dismiss my bankruptcy and try again with my lender .I spoke with another rep at the loan company and this time I spike with an intake rep that took my info .She even asked me if I could come up with XXXX I told her I could in about three weeks .She proceeded getting all my info .She said I would receive another packet and to submit all documents it tells me too .Once again I submitted all documents I doubled check everything .i even called the loan office to speak with someone in the loan litigation dept but was told I couldn't but the lady I did soeak with told me she used to work in a LM dept at another job and could help me make sure i had everthing correct .After soeaking with her I felt confident..Well after checking on my loan modification again like before I was still getting the run around .I finally spoke with a rep that said Mrs.XXXX  just send in something ( $ $ ) until you get your answers but I didn't because I needed to know that they would just take my money and still foreclose on my home .I tried going online ( my account at ditech ) to make a payment but later found out I couldn't unless it was the full amount .30 days later I get a lbetter saying I had 30 days to respond to decide what I wanted to do about my home and it listed options ..Loan modification was another options so I tried again yet no success .I just received a letter on XX/XX/XXXX saying they received what I submitted and are still working on it .Then recently I received another letter saying more documents were missed again .I really need help .Because yesterday I received a letter from a random lawyer ( XXXX XXXX XXXX ) saying he saw where my lender filed a foreclosure proceedings just been started against me based on public records available at SC judicial dept website. 
Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
TRIED SEVERAL TIMES TO GET ASSISTANCE FROM THE COMPANY BUT NO ONE IS HELPING. I FILED AN ID THEFT REPORT WITH FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Block, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 at XXXX there was {$50.00} removed from my without my authorization. 

On XX/XX/2023 at XXXX XXXX. there was {$4000.00} removed from my account without my authorization. 

I had been hospitalized in XX/XX/2023 for XXXX and was in recovery most of the summer. 

Because of my poor health and age ( I will be XXXX in a month XXXX ) I did not notice this cash was missing until around XX/XX/2023. 

I was saving the money to pay hospital bills. 
They failed to notify me when " {$4000.00} of my money was removed at XXXXXXXX XXXX on XXXX XXXX XXXX XXXX 

Cash App advertises the following but they do not do anything. 
. 
Does Cash App refund you if scammed? 
If a potentially fraudulent payment occurs, we cancel it to prevent you from being charged. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 13 business days, depending on your bank. 

They denied my claim. If removing {$4000.00} of my money at XXXX XXXX on a Saturday night isn't a " potentially fraudulent payment '' I don't know what is. 

I have contacted them but all they say is to keep submitting claims and then they deny them. 

I also know after talking to financial advisers that people can actually take money out of your bank account. 

Most of the employees you talk to at Cash App are in foreign countries and do not speak English very well and don't even understand half the time what you are requesting. 

I would advise everybody to remove the cash app from their phones and computers, because after your money is stolen they don't try and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-25
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2019 I went to TitleMax to obtain a loan o {$4000.00} after signing all paperwork I was unable to go to the bank to deposit the check so I decided to use my mobile deposit app with XXXX XXXX at first. I kept getting an error message stating that XXXX XXXX doesn't accept a deposit larger than {$1000.00} on the app so I decided to use my XXXX  XXXX XXXX app which accepted up to {$10000.00}. Later on that evening I got an email from XXXX  stating the deposit was accepted of course I was amazed because the check was already accepted with XXXX XXXX XXXX. I called both banks in the morning to find out how this happened and what to do from there. XXXX  XXXX XXXX stated that the check will be on hold for XXXX business day until title max 's bank credit my account with the funds. XXXX XXXX  stated the same I had to wait to see which bank will be credited the funds and the other bank will be canceled out. On XX/XX/XXXX Funds was released to XXXX XXXX XXXX. Then 11 days later funds was taken back and I didn't know why. I was on the phone with XXXX XXXX XXXX and they stated that title max never credited my account. I went back and forth with the banks and title max to retrieve the funds and they both are blaming each other I know for a fact that {$4000.00} can't just disappear and nobody knows where the funds went. Title Max stated it was no longer in their hands and it was a banking issue. So now at this point not only nobody is helping me and {$4000.00} disappear I owe title max the money and everyday they are charging me interest and I just want to get this resolve and get my title for my car back. PLEASE HELP.

Company response to consumer: Closed with explanation