BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$800.00}

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 2022-03-16
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I've had an Upgrade XXXX XXXX XXXX  for almost a year now. This is the main issue I've ever run into. 

On XX/XX/XXXX, a payment was made in the amount of {$250.00} to XXXX # XXXX for the purchase of furniture. On XX/XX/XXXX, a refund was processed in the amount of {$210.00} from the same merchant. 

The refund did not post to my account as it should have and when I contacted Upgrade support on XX/XX/XXXX and was advised to call. When I called and spoke to a rep, they originally advised that the amount was credited on XX/XX/XXXX however, no credit was reflected on my statements, in my balance, nor my interest calculations. 

When I pushed back, the rep placed me on hold and began doing research when I requested a supervisor due to this error. After approximately XXXX minutes or so on hold, it was confirmed that the credit WAS NOT posted as originally claimed and that there was a system glitch that caused this. 

Upon probing, it was advised that this does happen from time to time but it's uncommon. Due to this, they needed to create a ticket escalation to have a " backend '' team add the credit. THIS NEVER HAPPENED. 

I followed up via call and via email multiple times to only be told, they have no record of this credit nor can they further assist. 

I'm requesting that the credit in the amount of {$210.00} is refunded and that ALL interest associated with this charge be refunded as well. I've strategically paid full balances on this card with the exception of this amount while I actively dispute this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One terminated my account without providing a reason, which is within their rights. They assured me that my funds would be returned within 10 business days, but I have yet to receive them. Additionally, obtaining information from a bank representative has been challenging since the account is closed. Despite leaving messages as instructed, I have not received any callbacks so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-16
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a Notice of Collection from XXXX XXXX XXXX to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX  and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up XXXX XXXX XXXX and they have many complaints on the XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX  {$700.00} million data breach settlement : XXXX Secret Credit Bureau May Be Violating Consumer 's Rights

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 2020-02-14
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this was my husband of 54 years XXXX XXXX XXXX and he is deceased since 2019 so this debt needs removed because its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo debit card and other debit cards i have all have my pin written on the back for them because all my pins are different. I have stopped doing this since this incident. My wallet was lost on XX/XX/23. The same day before realizing my wallet was missing i was going to het food at work and decided to check my account. Fraudulent charges totaling {$1800.00} appeared on my account. I immediately contacted wells fargo fraud department, answered all questions and had my claim filed. Their policy states if i decision had not been made within 10 business days my account would be temporarily funded for the charges. The following days I continued to receive emails from Wells Fargo stating that they were still processing my claim. On the 10th business day XX/XX/23 I received the same email and decided to contact wells fargo since my account had not been funded and i had not received anything saying they had reached a decision. When I contacted them they stated that my claim had been denied because there was nothing to suggest fraud. But like stated before my card was stolen out of a lost wallet.

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 2023-05-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
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:
I previously filed a complaint about Webster Bank and what I feel are their use of totally unethical and unscrupulous practices and tactics that take advantage of unsuspecting customers. Id like your agency to be aware that I was charged a fee without being notified or receiving any explanations or justifications whatsoever why I was charged a fee. After contacting your firm Webster Bank claimed that this fee was because I am receiving paper statements, yet Ive searched my online bank account portal and there are no options available to switch from paper statements to statements by email. How are these charges right or fair when customers are not permitted or afforded the ability to change how to receive their monthly bank statements? I am not happy that the agency that is responsible for making sure that banks are operating in compliance or in accordance with the rules and regulations are not actively engaged in investigating customer complaints about fraud. I honestly expected that your agency would find wrongdoing and either issue violations or some sort of enforcement actions for there inappropriate conduct. It is extremely frustrating and aggravating that your agency does absolutely nothing but close continually customer complaints. When is your agency going to do what is morally and ethically right or correct? How many times must a customer bring to your attention that they feel there banks are operating outside of the law and taking advantage of unsuspecting customers with there bad faith and illegal actions and practices that I feel rip off and defraud customers that are struggling financially? I am taking my complaint to Eyewitness News and I hope that your agency receives the negative attention that I feel you rightly deserve because I feel strongly that all you continue to do is for cover up the inappropriate behavior committed by banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, I am the widow of XXXX XXXX and the executor of his estate and legal heir to this property as ruled in the state court of Montana. I am embroiled in a conflict with my mortgage servicer Nationstar, who has obstructed my attempts at modification and resolution of my loan by continually questioning my rights as the legal heir and forcing me to provide the same documents over and over again. As a result of these games that Nationstar is playing, my home went up for a foreclosure sale. I am a widow living on fixed income and taking care of my XXXX year old son. This is not right!! 

My husband and I purchased this home 9 years ago. He was the breadwinner while I stayed home to take care of my XXXX son. My husband ( the listed borrower XXXX XXXX ) passed away in 2012. I was named the executor of the estate and the rightful heir and have all of the necessary court documentation to prove this. I assumed the mortgage and continued making the mortgage payment as agreed for nearly two more years. However, as a widowed mother on fixed income I did not have any type of safety net and when I had a major plumbing emergency due to the main water valve pipe breaking I was in big trouble. I had to take care of this and the out of pocket costs were nearly {$3500.00}. Due to this emergency I started sinking financially and eventually missed my mortgage payment and desperately tried to figure a way out of my financial hole. I contacted Nationstar but they were not helpful at all. I was not even aware that there were programs available to help homeowners until I saw a commercial on TV about the Obama HAMP program. 

After learning of this program I contacted Nationstar again, and NOW their agents admitted there were options for help. I sent all of my information in for review and tried repeatedly to follow up and get updates. However, at every step of the way Nationstar obstructed the process -- I was continually grilled about the ownership of the home, about the survivorship and executor of the estate paperwork etc. I sent these papers in at least 4 different times but Nationstar seemed to lose the papers every time. I was never able to get anywhere with Nationstar. Instead of working with me Nationstar tried to auction off the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Until now, I received NO resolution from XXXX, XXXX and Experian despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

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 explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: WA
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:
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.

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: FL
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:
I reach out to XXXX XXXX  directly in regards to my account showing that I still had a balance with them on my credit report. They sent me over a letter stating that I no longer had a balance with them because the account was paid in full. 


I also sent over a copy of the same letter over to everyone all the credit beaus and creditors asking to have the item removed from credit report. And it has not been 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 2022-10-11
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$9500.00}

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 2023-07-26
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear LVNV Funding, Re : Reference # XXXX ( LVNV FundingXXXX XXXX XXXX XXXX XXXX I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report. 

According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}. 

This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges. 

Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt. 

Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 


Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation