BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: ERC
State: VA
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:
I dont not apply for this loan. Somebody else must have used my information. I never received anything or had any knowledge of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Collection Management Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2023 on XX/XX/2023. The original creditor was XXXX  XXXX XXXX. This communication was from Credit Management company from XXXX, TX, formerly XXXX XXXX XXXX. The letter has an address but no phone number. I was given the phone number by another company. XXXX. 

I contacted their office on XXXX XXXX at XXXX XXXX XXXX. The call lasted XXXX seconds. They said they are representing a XXXX XXXX XXXX, XXXX. I spoke to a gentleman named XXXX. I advised him that this was a XXXX 's XXXX  case. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX were advised of this when I was sent there by my employer. They were given all information when I was initially seen. I disputed the debt through XXXX XXXX as it showed up on my Credit Report. I believe that is why I received the letter. I received from this company what appears to be XXXX pages printed from a computer and that is supposed to " verify '' the debt. The letter and their Agent identified this is a debt from XXXX XXXX XXXX, XXXX in XXXX, CA. 

When I spoke to the XXXX and provided the reference number he stated you owe _____. I then advised him this was a XXXX 's XXXX case and I dispute this debt. I advised him that XXXX  XXXX know this is a XXXX 's XXXX  claim and I don't owe them as my employer was supposed to pay according to Tennessee law. He said so I am annotating your account to show you refuse to pay. I said no I dispute the debt as it is a XXXX 's XXXX case. He said well we sent verification. I said no I want an itemized bill and if you want money take me to court. His attitude was like I just woke him up and he wasn't interested in anything I said. 

The letter and the " verification '' document both have no indication of the right to dispute a debt or a phone number to contact the XXXX. I am also forwarding to the Tennessee Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: WELLS FARGO & COMPANY
State: GA
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2019-04-25
Company: Paypal Holdings, Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 a withdrawal of {$130.00} and on XX/XX/2019 2 withdrawals of {$130.00} each were on my bank statement and taken from my account by XXXX. I have never heard of this company and have no account with them. I'm not sure how they got my info and who authorized them to tamper with my funds. I bank in Missouri and this is some company based out of New York. I contacted my bank to report fraud and also contacted this company in which they were very reluctant to help me or give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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: Information belongs to someone else

Complaint:
Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I completed a XXXX percent balance transfer offer in XXXX with no issues. I did not make any charges from XXXX until XXXX. In XXXX, I used the same card again to make a large unexpected purchase. I planned on paying the charge off when I received the next statement to avoid interest. When the next credit card statement arrived, I found that I had already been charged {$95.00} dollars in interest. I was surprised and confused. I came to learn that I had already been charged 27 % APRthe cards interest rate on purchaseson the large charge that I'd made. Although the charge was only on the card for 29 days, essentially the interest started accruing from the first day of the charge. When I called customer service, the representative explained that once you have a balance transfer on the card, you lose the typical grace period. I was very upset because I did not know this. Had I known this, I would never have made the purchase using that particular credit card. The customer service rep told me that this information was in the fine print when I agreed to the balance transfer back in XXXX. This is no way to treat your customers. Theres the principle of the thing : If they were going to charge me, then it should be done knowingly, not because the credit card company caught me off guard. They need to make it VERY clear that you will lose your grace period if you make a charge with existing balance transfers. It should be relayed to the customer in concise and easy to understand language to prevent situations such as mine.

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 2023-01-30
Company: Experian Information Solutions 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:
XXXX XXXX XXXX and XXXX must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a XXXX XXXX Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with XXXX XXXX standards and must be deleted 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
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
please delete unauthorized inquiry 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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account number XXXX XXXX XXXX XXXX Someone used my card to XXXX {$220.00} XXXX transaction. When I called XXXX, they refused to do anythingabout it. Thus I filed a dispute with Capital One only to receive a decision of denial .Capital bank put the charge on mycredit card after the credit card has been closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Investigation took more than 30 days

Complaint:
I have a loan with XXXXXXXX XXXX. The current status should not be showing late because I paid it on time XXXX, XXXX and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
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.

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 inructions 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 response to consumer: In progress
Consumer complaint received 2022-03-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My American Express Serve account was locked or " permanently suspended '' due to " activity that violates the terms of the Consumer Use Agreement ''. I received an email informing me of this on XX/XX/2022, several days after the account was actually locked. The email gives a XXXX XXXX XXXX for me to write to if I have questions. I have called the XXXX line several times. Yesterday I was on hold for 30 minutes and gave up. Today I was on hold for an hour, briefly got through to someone and the line disconnected. I have no way to access the money that is in the account and seemingly, no one I can speak to about it. I feel like Amex has just robbed me of my money and I have no recourse. There was a little over {$200.00} in the account, money that I really, really need access to and I can't get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have called at least 4 times to requiest a payoff statement for our mortgage. We have yet to receive a statement.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX  XX/XX/XXXX payment history wrong XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau

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 2023-05-12
Company: ALLY FINANCIAL INC.
State: TX
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:
Ally Financial auto loan the vehicle totaled on XX/XX/XXXX my primary insurance paid them amount of payment was XXXX dollars I had also a gap insurance in the loan for the last XXXX  years and there not wanting to pay off the balance but Ally has been reporting non payments for XXXX and contacted them about the problem about this situation and the words that I have to pay the loan amount what was left owing on the contract I had a XXXX payment on the XXXX that wasnt due until the XXXX of XXXX so my response to them was I wasnt paying a dime to them and still reporting non payments on my credit reports

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 2023-01-27
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by Newrez LLC in XX/XX/XXXX. When I went to make my initial payment my mortgage had suddenly increased from XXXX to XXXX. I called to inquire about the increase and was told it was due to a negative escrow account balance. Once I received my escrow account information I found out ( through no fault of my own ) my fall XXXX taxes paid in closing to XXXX XXXX XXXX had not been applied to my escrow account nor had they been paid to the county. I have a previous complaint regarding this issue and XXXX XXXX has admitted fault to this and has issued a check payable to Newrez for the full amount of XXXX. 

The issue I am having is that my mortgage payment is not reflecting my homestead deduction or my reduced homeowners insurance policy. The escrow account divided over 12 months would only be XXXX dollars more a month, not XXXX. They are tacking on an additional XXXX dollars that I have been assured would be adjusted and explained it was due to various reasons. I have talked to around 10 different agents about the issue of my incorrect mortgage payment. 
I was told to submit my documents through the " contact us '' portal on the website. I did this as well as faxed them and sent them directly to a managers ( XXXX XXXX ) email. I have been told they were received only for the next agent to say they didn't see them until I explained I have sent them 3 different ways and then every agent would say they eventually found them. There has been no adjustment made to my account to reflect my homestead exemption or my decreased homeowners insurance and it has now been almost 3 months. 

I have been paying my regular payment of XXXX with a manager approval each month and it has been accepted. Despite this I keep getting letters in the mail warning that my account could go into default even though each representative has said that is not correct and " not to worry '' about what I receive in the mail. This is highly irregular and worrisome. Almost every representative I have spoken to has suggested that I hold off on making any payments until my account is updated. This too seems suspicious.

I have sent the check for my negative escrow balance as of today and I am already worried that my account will not reflect that either. Since XXXX I have spoken with Newrez weekly, sometimes multiple times a week with no change. The last agent I spoke with on XX/XX/XXXX stated they should have already done an escrow analysis and that he would request one to be done immediately. This didn't make sense as they had yet to receive my escrow payment yet and I am concerned they will refuse to run an escrow analysis once the payment is received on Monday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your immediate attention a matter of utmost urgency concerning my credit report. After a recent review, I have discovered that my credit file contains inaccurate and fraudulent information related to identity theft. I demand that you take immediate action to rectify this situation, as the damage to my financial well-being and personal integrity is intolerable. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts and transactions listed on my credit report are as follows : XXXX  XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX  XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX  XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect you to adhere to the law by conducting a thorough and immediate investigation into this matter. I demand that you delete all fraudulent entries from my credit report without further delay. 

Failure to comply with this demand within [ 30 days ] will leave me with no choice but to pursue legal action against XXXX for violating the FCRA and causing me significant harm. I am prepared to take whatever measures are necessary to protect my rights and restore my creditworthiness. 

I expect your prompt attention to this matter and anticipate that you will take immediate action to investigate and correct the inaccuracies on my credit report. Please provide written confirmation of the removal of the fraudulent information within [ 15 days ] from the date of this letter.

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 2023-05-07
Company: EQUIFAX, INC.
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT AND INQUIRIES ACCOUNT NAME : US DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$5300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor sent Capital One a debt validation letter and a cease and desist letter. Both documents were sent onXX/XX/XXXXand received on XX/XX/XXXX. Capital One responded with a request to receive information from me on this alleged debt and stating they can't take action on my request to validate the alleged debt until I send them the information they are requesting. However Capital One continues to send me statements in the mail stating I owe this alleged debt that they obviously can not validate. It doesn't make sense to me that they are sending me statements in the mail telling me to pay something that they can not validate. Capital One has failed to report that this alleged debt is being disputed pursuant to 15 USC 1692g ( b ). Capital One continues to try to collect on the disputed debt and has not cease to communicate with me. Capital One has harmed myself and credit report and file by housing unverified and unvalidated debt on my consumer report and for that they are civilly liable to pay me for damages.

Company response to consumer: Closed with explanation