BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.

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 2022-06-12
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$1000.00} on my credit card ; and they have held the payment although it was taken from my non Wells Fargo bank account the same night that payment was made. I called to find out what was going on and they said the payment had to be held for 4 days and would be added to the card on Sunday XX/XX/XXXX. Looked at the card and it was still not added. I then called again and was given the run around again. Wells Fargo is scamming customers not letting them use their cards and holding the payments made because we refuse to bank with Wells Fargo. Why would a bank with such a dysfunctional bank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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: Account status incorrect

Complaint:
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX, Transunion and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between XXXX XXXX of XXXX, there was fraud committed on my Chase bank checking accounts. Large sums were spent in XXXXXXXX Nevada between XX/XX/XXXX and XXXX, that I did not authorize. I am a victim of fraud and identity theft. Chase didnt notify me when that person was making multiple transactions of thousands. All the transactions were in XXXX Nevada while I was at work in California, I couldnt have authorized those transactions. I didnt even get notified by Chase about any of those transactions. The fraud also changed my email by just 1 letter and added an extra letter j and changed my address in XXXX of XXXX  to New York and Ive never lived there which can be seen in my previous bank statements and drivers license, Ive been in California ever since I got the Chase account. The total sun of those transactions is {$15.00} XXXX. I was never notified by Chase that those transactions were taking place. I have a police report and FBI reports already filed and sent fax copies to Chase fraud department that they received XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a dispute against WELLS FARGO CARD SERVICES in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
No action taken by XXXX XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

Transunion credit bureau took my disput complaint and never contacted me again.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
Transunion, XXXX, and XXXX  are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC

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 2023-09-13
Company: Bright Capital Inc
State: AZ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
I was charged {$89.00} on XX/XX/XXXX  for a membership fee that I never authorized. I have requested a refund and reason for the money being stolen out of my checking account and can not call them, get email response, or chat response from them. Im completely out of options and have been scammed and I am worried I wont get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: CA
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 my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: VA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date -XX/XX/2019. USAA restricted any acces available to view and make transactions from my checking account, they restricted my debit card also. All of this without notice, I called them the same night and even the next day, they assured me it would get resolved within 3 business day, they did not provide me with any other information as to why they did this without notifying me. When I called on Friday XXXX XX/XX/2019 I spoke to a male usaa customer service rep and I then expressed my concerns with being able to purchase groceries for my XXXX small children and gas for my vehicle He then sated you will be able to use your debit card so I asked him for my avaiobalance in which he said XXXX ( I dont recal exact amount but it was over XXXX. I knew this was correct because my check from work had been deposited the previous day. When the call ended I was upset but at the same I felt ok since I was still able to use my debit card to take care of my kids and transportation needs. As I left work for the day I realized I needed gas to complete my 1 hour and 30 minute commute from work to home. My card was  declined at the gas station, I called usaa again and a lady on the line stated that the information was incorrect my card was also restricted.i was shocked and very upset, I depended on this company and trusted their word. Now I was left stranded far from home, I called several times even reached out to them on social media via messenger. They could not help me at all, and suggested I call friends in the area to loan me money.. I dont have family or friends nearby..I even begged with the representative to at least allow more use XXXX $ ( of my own money ) to at least make it home..but they cold not help me..I waited for a resolution and nothing..they basically said I was on my own and had to figure it out myself..I was left stranded and without any access to my own hard earned money or available friends or family to help me out. I was forced to beg for money from complete strangers for me to get home. I am a XXXX veteran   diagnosed with XXXX, XX/XX/XXXX as a result of a deployment in support of XXXX XXXX XXXX. This situation heightened my symptoms and I now that I am home with my kids, I am being forced to sell personal belongings in order to purchase food for my kids. All of this because I trusted USAA and left my money in their hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 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 2021-12-21
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by XXXX XXXX on XX/XX/21 About an Kay Jewelers Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the 500 plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified debt validation letter on XX/XX/2021 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home is on XXXX parcels of land. The first year I lived in my home, I mailed all XXXX real estate tax bills at the same time to my mortgage company, as I have an escrow account and they are supposed to handle those bills. Flash forward to XXXX XXXX of this year, when I received XXXX delinquent tax notices in the mail! I called Nationstar to ask why they paid for XXXX parcel when I own and sent them XXXX. I was asked to fax the delinquent tax notices to them directly, which I did on XXXX XXXX. I was told it would take XXXX-10 business days to be handled. By XXXX XXXX, I had not heard an update so I called back. I was told they contacted my tax collector and she said all my taxes were up to date. So I called the tax collector to confirm this and was told that they only contacted her about XXXX of the XXXX parcels, and it happened to be the one that was paid. They did not ask her about the other XXXX ( unpaid ) parcels, but she did tell them that there were XXXX parcels total and only XXXX was paid. I called back a 3rd time to let them know that they asked my tax collector about the wrong parcel. I 'm not sure why since they were faxed the XXXX unpaid parcels and never once was the paid parcel number even mentioned. A woman named XXXX had me on the phone for 40 minutes supposedly taking care of the situation. She was given the XXXX unpaid parcel numbers multiple times. I asked if the mortgage company would be paying the additional fees and penalties, being that this was their mistake, and was told that they would. XXXX said she sent out requests to inquire about the XXXX unpaid parcels and that she would call me on XXXX XXXX to give me an update. After NOT receiving a call with an update on XXXX XXXX, I called them again on XXXX XXXX. XXXX got the whole story again, put my information into the system, and proceeded to tell me that there are only XXXX parcels listed in my file, not XXXX as they have been told REPEATEDLY that there are. XXXX said she put in the request to confirm the third parcel ( even though this was supposed to have been done already by XXXX previous people ), and said I should call her back on XXXX XXXX to confirm that everything was verified and the taxes are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My husband signed my name for a loan in XX/XX/2017 via online I just found out about when they called about a payment. I did speak with them and asked how was I added to a loan XXXX loan that I didn't sign for nor did I receive any of the money. USAA told me as long as he have the last four of my ss # he could add me. At the time I did not have a USAA account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Credit Card Receivables Fund Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a garnishment from the company Unifund, CCR,, LLC and XXXX XXXX XXXX that I was never served any paperwork for nor even given a chance to respond. They have never attempted to contact me nor given me an opportunity to dispute this debt or resolve. They just keep filing motions without serving me which has now caused me extreme hardship seeing that I already pay $ XXXX  month in child support and carry health insurance for my youngest daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit 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:
On XX/XX/2023, I went to the XXXX XXXX XXXX at XXXX XXXX in XXXX to pick up my prepaid mid-size SUV. When I got there, the place did not have any mid-size SUV. The booking reference number is XXXX and I prepaid {$440.00} USD with my Capital One Visa credit card. XXXX had committed to provide me with a mid-size SUV, but they did not provide the vehicle because there was none available. 

I was left to scramble and find another vehicle. I was able to take an XXXX from XXXX XXXX to XXXX XXXX XXXX where I was able to secure a mid-size SUV. 

After the trip, I open dispute case XXXX with Capital One to get a refund on my prepaid vehicle, but my dispute was denied because an employee at XXXX had change the record to say I was a " no show. '' I was not a " no show '' and definitely went to the location to pick up the vehicle. 

I have records that show I was in the vicinity and I needed a car. Please see the attached XXXX receipt from XXXX XXXX and my car rental agreement from XXXX XXXX XXXX. If I was in the vicinity and I needed a car, there is no reason for me to not show up, only to go get a more expensive vehicle at the airport. 

Capital One refuses to continue with the dispute unless I can provide a cancellation receipt. I do not have a cancellation receipt as I did not cancel. It is the car rental company that did not provide the service that they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/2022, I sent certified letters to the law offices of XXXX and XXXX in XXXX XXXX, Ca telling them that the debt doesnt belong to me that my name is XXXX XXXX XXXX not XXXX XXXX for that is my fathers name and I have no knowledge of this debt and is not my debt. I received no response then on a random day when I returned home from a work trip and vacation I have a random court summons saying Im being sued by XXXX XXXX XXXX. The document was left on my door steps and mustve flew around because my neighbors shared they had to grab the papers from blowing away. I was not properly served nor this this debt mines and they yet to provide the original purchase agreement with the terms and conditions that shows I owe this alleged debt. This is poor practice for I feel harassed, Im embarrassed, and this is on my credit report and it is doesnt belong to me. Please help and stop these predators for illegally trying to sue people and get judgements because the individual is not aware. Ive a victim of identity theft and my police report file number : XXXX XXXX police department XXXX XXXX XXXX dispatcher XXXX XXXX id # XXXX Identity theft File # XXXX I also sent another certified letter requesting the original purchase agreement again on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.

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