BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent in multiple forms with my signature because I never received my escrow refund. Theycontinue to denied it because they said my signature doesn't match what they have on the note which is 9 years old. I have even included my driver 's license. I advised I will complain to respa the XXXX  and they  laughed and said to go ahead with the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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: Old information reappears or never goes away

Complaint:
Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion is STILL reporting an unverified account to my credit report. I have contacted the ORIGINAL CREDITOR of the account and they have responded on XX/XX/19 through the CFPB Portal stating the account will now be removed. 
Original Creditor Response : In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to XXXX & Transunion to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, 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 2023-05-23
Company: Experian Information Solutions Inc.
State: KY
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 did not open ANY account with " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXXXXXX XXXX  and XXXXXXXX XXXX and Experian 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, XXXX, and XXXX. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and XXXX XXXX XXXX  verified the account as accurate when it was not. XXXX XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.

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 2020-03-04
Company: ABSOLUTE CREDIT  LLC
State: SC
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:
On XX/XX/2020 I sent a 3rd party debt validation letter to Absolute Credit, LLC requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$440.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Absolute Credit, LLC has failed to validate this alleged debt within the ( 30 ) day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-26
Company: CAVALRY INVESTMENTS, LLC
State: GA
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 DO NOT HAVE A CONTRACT WITH THIS DEBT COLLECTOR. 

DEBT COLLECTOR NEVER PROVIDED A CONTRACT BETWEEN ME AND THEM. 

I DO NOT VALIDATE THIS DEBT. 

DEBT WAS NEVER PROPERLY VALIDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX of XXXX I came to know that my entire bank of America portfolio was compromised. On XX/XX/XXXX of XXXX my son XXXX XXXX somehow became co-owner of my Bank of America account without my knowledge and in the ensuing year he proceeded to siphon over XXXX in money without my knowledge and also opened 2 Bank of America credit cards that are now owed XXXX in total. I have disputed all of these with bank of america to no avail. Bank of America continues to deny my claims and ensures these accounts are valid when in fact they were open without my knowledge and I should not be responsible for the owed amount. I am a XXXX XXXX XXXX lady and it is clear as day that the purchases made on those credit cards did not come from me. Bank of America should have done a better job as a gatekeeper ensuring that this didn't happen to an elder but they did not and now they're requesting me pay XXXX for two credit cards that are NOT MINE! I have filed a police report and there has been an XXXX report filed for elder financial abuse with XXXX XXXX XXXX. Bank of America takes none of this into account and continues to claim these accounts are mine. This is malpractice. XXXX XXXX is also responsible for the attempt of opening multiple other accounts at other institutions but I have had those dealt with and will attach documentation to showcase that. I have also attached a personal statement that I have sent to BofA to no avail. It is absolutely shameful that they continue with this charade. THEY SHOULD NOT BE ADVOCATES FOR ELDER FINANCIAL ABUSE BY ALLOWING SOMEONE TO OPEN ACCOUNTS IN MY NAME AND DENYING MY CLAIMS CONSISTENTLY.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-27
Company: WELLS FARGO & COMPANY
State: IL
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:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX  Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately XXXX  XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, XXXX  XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX  XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

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 2022-02-08
Company: EQUIFAX, INC.
State: AR
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:
The information being reported is incorrect and should be deleted and or updated : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I got in an accident in or around XX/XX/XXXX XXXX  and I totalled my vehicle, a XXXX XXXX XXXX. After totalling my vehicle, my insurance company paid Capital One Auto Finance more than what was owed on the vehicle. The following month, I received a statement showing that my payment was late only to find that Capital One did not accept the first payment that was sent from my insurance company, XXXX XXXX. I contacted them to follow up on the status of my account, and I was told that the payment was misapplied, that Capital One sent the payment back to my insurance company, and that they would need them to send it again. I contacted my insurance agent, and she assisted with getting this 2nd payment taken care of. Once Capital One received the payment, I believed that this account was all square, but after the second payment, I noticed that there was still a {$68.00} balance on the account. I contacted Capital One for clarification and they mentioned that interest accrued on the account during the timeframe between when the first payment was made and returned to the time the 2nd payment was made. This is not my fault, and Capital One was sent the money. I should not be held responsible for this, and Capital One Auto Finance is reporting this {$68.00} balance as a charge off with their company. This is absurd, and they are ruining my ability to get another vehicle over {$68.00}, not to mention the impact this tradeline is having on my credit report. Every representative I speak with says there is nothing they can do, but this is a Capital One mistake that I'm literally being asked to pay for. You would think that after paying a total of $ XXXX to a company that they wouldn't try to hold you accountable for their error, especially over {$68.00}, but obviously Capital One isn't aligned with what I feel is straightforward and common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunt & Henriques LLP is suing me in XXXX XXXX XXXX California for {$3600.00} on behalf of XXXX XXXX Without producing a copy of intial credit card application and any account number related to that account. On XX/XX/2023 I sent a certified letter with tracking number # XXXX to Hunt & Henriques LLP demanding a copy of that initial credit card application with my signature and an account number related to that account, and they have started to play cat and mouse game and not responding to our lette

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management INC. Has cease to provide everything I attached in my letter. 

Please provide this information that I am seeking, instead of he say she say.. 

-Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : If you can not provide these simple documents, it is a XXXX violation, accroding to {$800.00}. Validation of debts XXXX XXXX. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 the victim of identity theft and to the best of my knowledge credit cards were opened in a variation of my name and checks were fraudently made in my name draining my account. I reported this to the local sheriffs office and called in to the credit card companies and asked the accounts be canceled as they are not mine and I do not want anything to do with them as they are based off of fraud. Years later. Debt collection companies purchased my information and are attempting to collect debt that is based off of fraud. One company is XXXX XXXX and the other is Midland Credit Management. Both junk debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
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 bank with HSBC which is now XXXX XXXX  effective XX/XX/XXXX. on XX/XX/XXXX I received an alert from XXXX alerting that I spent an unusual amount of money. When I logged my online Banking with HSBC, My account was overdrawn by {$3700.00}. I notice multiple small electronic Transfers from a Merchant named XXXX-Bill pay . my balance on XX/XX/XXXX was XXXX, somehow this merchant that I didn't recognized manage to steal all the money that I had in my checking Plus overdraft my account by {$3700.00}, I don't have overdraft protection and haven't overdraft my account in 7yrs. when I looked XXXX appears looked like XXXX. When I called XXXX their fraud department informed me that XXXX is not them to contact my Bank report these fraudulent charges. I called HSBC on XX/XX/XXXX and spoke to the fraud department and reported the fraudulent activities on my account. HSBC didn't block this merchant and/or my account until XX/XX/XXXX, which resulted into overdraft amount of {$5600.00}. I was assured by HSBS that they would conclude the fraud investigation before the merger and I should get my money back. on XX/XX/XXXX when I notice HSBC didn't refund my money I called HSBC, after 1hr wait, the rep that I spoke to told me the person working on my fraud case is not available. on XX/XX/XXXX when HSBC changed to XXXX bank, I went in person to a XXXX bank to find out the status of the fraud investigation. I was told that HSBC never forwarded or alerted XXXX bank that I had an open fraud case prior to the change. XXXX bank told me to contact HSBC and also I'm not the only former HSBC customer who walked into a XXXX XXXX that were victim of Hacking or electronic fraud right before HSBC the changed to XXXX bank. The branch Manager at the XXXX  ban even admitted to me that during the merger that fraud department at HSBC were not doing their job. he advised me to keep trying to reach HSBC. when I call HSBC their automated system tells me to call XXXX. when I call XXXX  they tell me to call HSBC. I had direct Deposit and before i could stop my direct Deposit, the HSBC/XXXX bank kept my paycheck from work to cover the overdraft on my account. I have incurred late fees because I am not able to pay my bills. I have had to use my credit card to buy gas and food my special needs child. I even received letter dated XX/XX/XXXX and XX/XX/XXXX from HSBC informing that my account is overdraft. My account is overdraft not by be but because HSBC allowed this to happen. I don't have enough money to hire a lawyer to help recoup my money. I just need help to get HSBC/XXXX bank to do the right thing and refund these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: PA
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:
Lost my main wallet with my personals SS, babyphoto and 2 cards. I thought I was okay until I saw weird accounts popping up on 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
We filed a complaint in against Greensky because we were mislead by the sales agent who opened the loan. Since we filed our complaint we have been given misleading information about the status of our loan. I am attaching a screenshot of our loan portal on XX/XX/XXXX that shows our account at and XXXX balance. We have been told that no more interest would be applied to the account until the matter was settle. Now were are getting conflicting information saying our balance is going to be reinstate and interest was applied to our account after XX/XX/XXXX. But even today when I log on to our online portal it says that our account balance is XXXX. I am attaching copies of screenshots from XX/XX/XXXX and today XX/XX/XXXX. We are concerned this is another attempt to mislead us and to add more fees and charges to our account and to trap us into owing them even more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
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:
I am ( XXXX XXXX XXXX ) requesting that the negative payment mark on my credit report be removed. I've been a member of USAA for 23 years, and I have a strong history of making payments on time. However, through my credit monitoring service, I discovered that I was given a late payment mark. I was unaware of the late payment until XXXX notified me. I had never received a statement, email, or phone call stating I was about to receive this late charge and only became aware of it when it appeared on his monitoring service as a late payment. Once notified, I immediately called and made that payment in full on that same day. 

I'm not a frequent user of the card, and I traditionally pay more than the minimum, and I was not expecting to make any payments that month. In addition, I have never been late with any fees in the past, and I'm a loyal customer. 

In addition, this issue has had a severe adverse effect on my credit score.

If my points are being considered. I request that you rescind this late payment charge and delete the late payment entry from my credit report with any credit reporting agency to which you report. 

Thank you for your prompt attention to this matter and your courtesy in this regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation