BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Mercury Technologies, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern, On XX/XX/XXXX, I made a payment that hasn't arrived from my business Mercury account to my Personal XXXX Checking account. 

Type of transfer : Domestic wire Date : XX/XX/XXXX Amount : XXXX USD IMAD / Tracking number : XXXX I have provided the IMAD number to the beneficiary bank ( XXXX ) and they haven't been able to locate it so the recipient bank hasn't received the fundsyet. 

The issuer bank says they can request a recall but they can't guarantee that the funds will be recovered. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 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 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a walmart credit card account which is in collection the problem is the amount is wrong and also the dates are wrong. please delete this account. 
plus i want proof of ownership of this debt via of a written contract signed by me if you can not provide proof you must delete this account by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday the XXXX of XXXX My roommate and I found a beautiful home so she messaged the guy ( XXXX ) to tour the home. We get to the home and call the number that was provided. He ( XXXX XXXX answered and walked us through the lockbox to be able to get into the home and see it. We love the place and wanted to put a down payment so it could be ours and we could start moving in. We paid the man ( XXXX ) {$800.00} for the deposit, through Wells Fargo XXXX, on the XXXX of XXXX, because we fell in love with the home. The very next day we received a call from the REAL renters of the home stating we should be wary of scams. That's when we knew this guy ( XXXX XXXX had just scammed us out of {$800.00} dollars. We now need that {$800.00} dollars to put towards a real place to live. We called Wells Fargo to submit a claim, but was then told that the bank made " no errors ''. Like yeah, duh. We got scammed we voluntarily gave someone money to be able to live at a place we thought would be our next home. We asked the guy ( XXXX ) to give us our money back but he now wont respond to our messages ( GO figure ). Our lease is up soon and we now have no money to put towards a down payment for a place to live.

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 2023-03-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving automatic calls from a company called ProCollect requesting that I contact them to settle an amount of {$150.00} that I owe. This amount has been reported in my credit report. I have called them to provide me with proof of this debt and they have not provided any proof. The last time I received a call from ProCollect was XX/XX/XXXX or XXXX, 2023.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: AL
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:
All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Frankly the credit reporting is a total farce. They never resolve and always take the lenses position. Humiliating and attempts leave nothing but legal action. Here is there last report. They refuse to accept my input stating it's resolved! IT IS NOT AND NEVER IS!!!!!

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 2023-03-10
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call on XX/XX/XXXX from XXXX. They left no voicemail. I assumed it was a spam call, but they called again on the XXXX, XXXX, XXXX, and today on the XXXX. I looked up the number, and it was for XXXX XXXX XXXX. I was concerned for two reasons : we already paid our debt of {$35.00} owed to XXXX and XXXX on XXXX XXXX, and the phone number on the website was different, being XXXX. 
On XX/XX/XXXX at XXXX I called the XXXX number. I spoke to an agent named XXXX, and she said there was nothing under my name. She recommended to call the XXXX number, and it was common for them to not leave voicemail, and that I should just pick up if they call again. 
I decided to call the XXXX number, and XXXX of XXXX XXXX XXXX answered, asking me if I was XXXX XXXX. I explained that there was no one in my household with that name. She explained it was for a business account but could not elaborate any futher than that. I asked her to no longer call me, and that someone possibly spoofed my phone number. She said that she would take action and not call me.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17
Company: EQUIFAX, INC.
State: GA
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:
Hello, I sent in multiple letters to equifax, XXXX, XXXX XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute on my account with XXXX XXXX XXXX, Dispute # XXXX they stated they issued me a temporary credit which has not shown up on my account, when I called them they told me the credit was on my old card which was replaced for fraud, I explained to them the card was replaced and I have a new card number, they stated that they submitted then request to put the temporary credit on my new account and I have not gotten the credit it has been over XXXX weeks and the credit has not been moved!!! Have the credit moved over to my new account immediately in the amount of {$82.00}

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 explanation
Consumer complaint received 2023-07-22
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I will list out all issues below to detail the extent of the fraud TD Auto Finance has committed. 

XX/XX/XXXX- Purchase used XXXX XXXX. Approximately XXXX XXXX loan began. 

XX/XX/XXXX- I am married and my last name changes. TD Auto Finance is notified with required documents and fails to change my name on the title for the next 4 years. We are not made aware of this until XXXX. 

XX/XX/XXXX - I move from XXXX XXXX XXXX The car title is switched. TD Auto Finance is sent the first notice that the original XXXX XXXX title must be sent to the state of XXXX They ignore it. 

XX/XX/XXXX - I receive notice from the state of XXXX they still haven't received the title. I reach out to TD Auto Finance and send them the relevant request for the title a second time. They ignore it and send a photocopy. 

XXXX XXXX XXXX. - I call or email them about every other month to be handed lie after lie that it is being processed. Nothing happens. 

XX/XX/XXXX- I can not renew the registration of the car because XXXX  has not received the title. I call to inform them I will be forced to drive the car illegally due to them and will be withholding payments. Note : the loan never enters default because I had paid some in advance. 

XX/XX/XXXX- We are informed for the first time nothing happened because the name was not changed on the title. We send relevant documents again and are told it will be taken care of. It is not. We also send the documents to send the title to XXXX AGAIN. This is estimated at the XXXX or XXXX time by this point. 

XX/XX/XXXX- We are fed up with the lies. I pay the balance due in full of approximately XXXX XXXX. The loan is paid off. We receive a payoff letter in XX/XX/XXXX. 

XX/XX/XXXX- We get a letter from the state of XXXX  a title was received with an incorrect last name. We send relevant documents to change the name. 

XX/XX/XXXX- We send an email to TD Auto Finance demanding the title be sent to us or we be notified of it's location. The only response we get is " a different department will help ''. They never do. 

At this point the car has not been registered legally for 6 months due to the actions of TD Auto Finance. We can not do that until we have the title. The loan has been paid in full for nearly 3 months and I do not have a title in hand. I am at a loss of where to turn other that to hire an attorney. I am hoping the CFPB can help crack down on the predatory lies of TD Auto Finance first. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While I was checking my credit report in the XXXX XXXX app, I noticed my credit score dropped XXXX points. I thought this was curious, so I did some digging and saw there is a debt trying to be collected by SEQUIUM ASSET SOLUTIONS dated XX/XX/2022 for {$6800.00} from XXXX XXXX. I have never ever had any affiliation with XXXX XXXX, in any capacity. This is clear fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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 USC 1681.

1. This information violated the section 620 of the FCRA for not reporting accurately XXXX XXXX Account Number : XXXX This account never missed a payment. Please investigate and update the late payment status under the two-year payment history immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 2023-08-10
Company: EQUIFAX, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy federal is ignoring my attempts to resolve this issue with out other parties.CFPB is my last option to seek help. Ive sent numerous letters asking for help understanding the debt and why it is not cleared out. They are sending me billing errors on top of reporting private information to the CRAs. I will not accept this type of treatment from no company or agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I received a call from my bank, Wells Fargo. I answered it since that is what appeared on my caller id. The rep, XXXX said he was calling from the fraud department to validate 2 XXXX transactions that they flagged. He said one was for {$990.00} and the other was {$490.00}. He asked if I knew the person, XXXX XXXX with a phone number of XXXX or XXXX. When I said no he then said he needed to get me transferred to XXXX so they can process the cancellation of these transfers he said I would need to provide them with the cancel codes XXXX and XXXX. When he transferred me, the rep said the manager handling the cancellation is XXXX XXXX and then walked me through how to submit the cancel codes through XXXX. After he walked me through the first cancel code, I saw the amount of {$990.00} removed from my account. He then said not to worry, once XXXX finishes the cancellation, it would be deposited right back. He came back on the line and said it would be another 3-5 minutes so he would call me back once it was completed. After about 30 minutes, I got worried and called Wells Fargo back, that is when them told me they did not call me and that it was a scam and the scammers have a way to mirror the bank name and phone number. Wells Fargo then said they closed my fraud claim and had to open a claim with the institution that received my funds and if they return the funds, they will give me my money back. But that doesnt help me with the bills that are supposed to go through.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXX XXXX  XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.

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 2023-04-15
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services ( www.ccspayment.com ) notified me via a written letter that they are collecting a debt of {$87.00} that I owe to XXXX XXXX. At the time I had already disputed any charges with XXXX XXXX via my insurance agent. 

The letter from the debt collector indicates that I can dispute the debt via their website. However, when going to the website I couldn't locate any way to submit a dispute online. 

I later tried to reach out via phone which took multiple attempts to get a hold of someone who also indicated to me that filing a dispute does not pause the charges alleged to be owed, and that this will end up hurting my credit. Given the short amount of time left I paid the amount, and determined to file a complaint against the collecting company. I also filed a complaint via XXXX against XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation