BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted XXXX  and TransUnion regarding such. Negative information was being reported, and my disputes came back for TransUnion and never for XXXX. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.

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 2023-08-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a notice from an official at my school, saying that one of my teachers was downsizing and selling her XXXX XXXX XXXX  accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through XXXX XXXX, which is connected to my debit card at Wells Fargo, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. 
The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my Wells Fargo bank account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at Wells Fargo, one of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that XXXX XXXX is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is one of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at Wells Fargo, because he already told me I couldn't get my money back. 
I then tried going through XXXX XXXX XXXX on XX/XX/2023, because Wells Fargo told me that the purchase was not made through them, but through XXXX XXXX  XXXX XXXX repeated what Wells Fargo told me and it felt like I was going in circles looking for an answer to this scam. I tried re-filing the dispute with Wells Fargo, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either Wells Fargo or 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 2021-06-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Opened a secured credit card almost 3 years ago and was told it will " graduate '' to an unsecured card within a year resulting in a higher credit limit and refund of my deposit. Has not happened and when I call to ask for information, they only say " we aren't sure why. '' Since then, my credit has improved significantly and I have no trouble getting pre-approvals or limit increases yet this card is sitting there in limbo

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 2023-04-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I established a HELOC with Chase over 10 years ago. I agreed to a XXXX fixed rate. I noticed in the last five years that the payments were different every month. I finally got someone on the phone who agreed with me and set my payments at XXXX per month. I put that amount in bill pay and life moved on. Before my XXXX XXXX XXXX XXXX XXXX  I again noticed that my payments were all over the place and I called them again to find out what the problem was. I couldnt get anyone on the phone and continued paying the above amount. In XXXX of this year I received a message from XXXX which indicated that chase had posted a negative hit on my credit report. I called Chase again and was told I would have to pay a balloon payment to get my account back on track. This balloon payment from XXXX to over XXXX in one month. I have been declared XXXX by the state of Maryland. Unfortunately this has been extremely stressful for me. I dont know what to do. Any advice would be helpful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account XXXX : XXXX In XXXX I used XXXX XXXX and was on a payment plan to pay off the out electricity bill. In that same year I paid off the debit of {$530.00}, and I know this because I moved later that year and in order for me to transfer my service I would've had to pay the bill in it's entirety. When I logged in to my account I saw the debit cleared and I continued to use their service up until I moved out end of XXXX. 

I never received any type of notice about the debit and when calling XXXX XXXX about it they the customer service representative told me that they couldn't see anything on their end either and to call the debit collector, I reached out to their third party they had handling the collection via phone and they had no information on why this I was on my account. I have tried different avenues to get this off my credit report but nothing has worked. The people at XXXX XXXX and their collections company haven't been able to give me any information. If this was a debit that I needed to pay ( which I did ) then how was I able to transfer my service from one place to another and continue to use XXXX XXXX as my provider when I moved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 want to report an incident with Midland Credit Management, who has contacted me for the past two weeks. When I finally answered their call today, it was only a recording asking me to dial XXXX. I called the number and spoke with a representative, but there was a clicking noise. The representative asked me to verify my personal information, which I was only comfortable doing with knowing the reason for their call. Despite my hesitation, the representative insisted on confirming my personal information, and we got nowhere. I requested that they send me whatever they were referring to in writing, but the representative claimed they had already sent it to me and could not provide a date. However, I have not received any mail from Midland Credit Management, as I have a mail alert system allowing me to view my mail for up to a year. When I asked the representative to verify the address on file, he only confirmed that he could ascertain it but refused to provide me with it. When I persisted, he updated their file to say that I had refused to speak with him, even though I was the one who initiated the call. Midland Credit Management violated your rights under the FDCPA by failing to provide the required disclosures and by refusing to provide you with information about the debt in writing. Their attempts to verify my personal information over the phone violated my privacy rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The treatment that the consumer ( myself ) received from Koals charge card 's support team is simply unacceptable. Despite making multiple attempts to reach out for assistance, the consumer was repeatedly met with unresponsive and unhelpful representatives. To add insult to injury, when the consumer was finally able to get through, they were blocked and prevented from making a payment. 

This kind of behavior is not only unprofessional but also downright callous. The consumer was dealing with a XXXX diagnosis during a pandemic, which made their situation all the more difficult. A company like Koals charge card, which is entrusted with handling people 's finances, should have displayed compassion and understanding towards the consumer 's situation. Instead, they chose to exacerbate the consumer 's stress and XXXX. 

Furthermore, the refusal to provide payment receipts or proof of payment is a deeply concerning practice. It's essential for consumers to have documentation of their payments to protect themselves from potential disputes or issues with their account in the future. The fact that Koals charge card is not willing to provide this basic level of transparency is not only a violation of the consumer 's rights but also highly suspicious. 

It is imperative that the Consumer Finace Protection Bureau ( C.F.P.B. ) Investigate this matter thoroughly and take appropriate action to hold Koals charge card accountable for their actions. The bureau should send a strong message to Koals charge card and other companies like them that treating consumers with such disrespect and disregard will not be tolerated. No one deserves to be treated this way, and it's crucial that we stand up for the rights of consumers everywhere. thanks for your time, sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: 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 2023-07-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have this loan for approximately 7 years and pay on an auto payment that is {$70.00} higher than the amount due. The property is two units on one lot or parcel number. In mid XX/XX/2023 I received an auto dialer call asking me to call LoanCare. I called and the lady I eventualy got on the phone explained my payment was short due to an increase {$300.00} per month in the cost of insurance. I explained that was incorrect and we got the insurance department on the phone. It turns out they misread my policy and didnt realize my insurance covered both units and so they added lender paid insurance for one unit at a cost of {$3000.00} a year and thats what raised my payment. They said to not worry about it and they would fix it asap. 
I followed up at the end of XXXX and was told they were working on it still. 
On XX/XX/XXXX the credit bureau notified me my credit has dropped XXXX points due to a 30 day late to LoanCare. I instantly called them and was eventually hung on during a transfer. This happened 3 times on Monday XX/XX/XXXX. Each call was close to 45 minutes before the supposed transfer to an escalator or supervisor. On Tuesday XX/XX/XXXX I called 3 more times before finally reaching an " escalation '' person as there are no supervisors. She was nice and we spent close to 90 minutes going through everything. She said the lender paid insurance was removed but my payment was still {$300.00} higher per month but couldnt explain why. She did say my actual insurance was paid twice this year but at a cost of {$800.00} per year it wouldnt have increased my payment that much. She recommneded I pay the difference and she would email me an escrow breakdown. I never received any email. I asked to speak with someone to help with the mark on my credit, she explained that department does not use phones apparently and told me to fax them. I have sent that fax twice with no response or change. 
On Friday XX/XX/XXXX I missed a call from the insurance department at Loancare. I called back and it took me 3 tries again and over 2 hours to get a person on the phone. She didnt understand my insurance policy somehow and was asking me questions about it but couldnt seem to grasp the concept of 2 units on one loan. I asked my insurance company to reach out as well and theyve had a similar experience. 
In summary I would really appreciate someone not working from home with kids screaming in background and dogs barking to please call me and help get this impound account corrected, and correct the late on my credit. 
Thank you 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 2020-11-18
Company: Experian Information Solutions Inc.
State: OH
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:
This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! 

The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests.

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 2022-01-05
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with the bureaus on XX/XX/2022, and XX/XX/2022, but they did not remove them. 

Sec. 602 I have a right to privacXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : 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 2021-03-18
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Hello, I am writing to complain that TD Bank let a company charge me over 5 seperate times with the amount equally XXXX dollars. It wiped out my account and took my tax return money. I have used this place before but I did not receive the purchase they claimed I made. I have told this to TD Bank several times, I have wrote the company numerous emails requesting actual proof and was provided nothing. TD Bank denied my original claim within a day. That is how I know they did not look into the matter at all. To add insult to injury, they wouldn't credit my account, even temporarily while they figure it out but had no problem taking my money out of my account. TD Bank claims the amount is too high for a " provisional credit '' but that is completely untrue, as they have credited other customers accounts for larger amounts in the past. This is not the time to be withholding someone's money when there is a pandemic going on. I am completely disappointed in TD Bank and I want a resolution now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 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 2021-11-22
Company: EQUIFAX, INC.
State: NY
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:
Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.

Company response to consumer: Closed with explanation