BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be resolved ASAP!

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 2022-10-04
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:
I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX  the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} Account XXXX XXXX {$1200.00} XXXX XXXX  {$730.00}

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 2021-05-19
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted the Loan Servicer Selene Finance numerous times. The company charged me XXXX in error for my mortgage payment. For the last 6 months XX/XX/2021 to Present I have been charged more than I actually owe. I would like a refund for that amount. I had to borrow from family to pay the additional amount so I would not lose my home. I would like and audit of my account showing the following : The amount that was applied to the Principle Balance each month - The amount that was charged/applied as interest each month - The remaining balance after each payment - The amount that Selene " is crediting the account for the difference in the payment amounts for the XX/XX/2021 through XX/XX/2021 installments. '' as stated in Selene 's letter dated XXXX XX/XX/2021 to the XXXX. 

I have requested this information in writing and also via phone call and I have not received the information from Selene Finance. 

I have also been told by a customer service rep. that my loan is being transferred to another servicer. I would like this information before my loan is transferred how do I know if the amount transferred is correct. I have asked to speak to several managers and I have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Action Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2015 I went to the XXXX XXXX XXXX XXXX XXXX ER. They out source their doctors from XXXX XXXX XXXX XXXX. I have dual insurance and XXXX XXXX XXXX billed the wrong insurance as Primary. The insurance would n't pay and by the time it was resolved ( that is, by the time XXXX billed the correct insurance ) my insurance would n't pay my because it had been too long. XXXX sent the bill to collections even though it was their billing error. I paid the bill anyway directly to XXXX. The collection company, Action Professionals Incorporated, sent me harassing and numerous letters even after the debt was paid. They are now trying to get me to pay interest on the debt directly to them. XXXX has been paid and the issue with them is resolved. Action Professionals Incorporated have continued to harass me via mail. I called API to resolve this issue and they said the law says I have to pay them interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I been in my home for almost 21 years my loan has been sols without my permission 7or 8 times.Every time its sold or transfered always they add more that my loan & house is worth up to XXXX $ sometimes.Ive been struggling since my job has gotten slow .They Value my home at XXXX $ i find this hard to belive it a XX/XX/XXXX doublewide.XX/XX/XXXX i had to file chapter XXXX which i paid XXXX $ on this loan over a 5 year period.Like i get no credit for that. I need help on getting my loan back on track.I dont know what to do & i do wont to keep my home .Any assistance would be greatly appreciated Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this 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 2020-11-03
Company: Experian Information Solutions Inc.
State: KS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called to dispute an account on my credit report on XX/XX/20 and Experian representative Marked my credit card as disputed when it was not to be disputed and my credit card got canceled! now I cant get my XXXX  XXXX ever again until Experian tells XXXX  XXXX That it was their fault and not mine but I did not tell them to dispute my XXXX  XXXX credit card. Now Experian is telling me that theres nothing they can do.

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 2020-11-03
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX. I have a reliacard through US Bank. I was never able to activate the card because the bank requested that I send in proof of my identity. I've done that with confirmation on my end as well as US bank 's representatives. This has been going on for one month 's time that I haven't had any access to MY money. When I call they say they don't have an answer as to why my card is still in restriction status. I need help contacting this establishment

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 2021-01-26
Company: EQUIFAX, INC.
State: AL
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today I spoke with Mr. XXXX of Capital One ID- XXXX  who assisted me allegedly with skipping my XX/XX/XXXX payment. However, XXXX ID XXXX allegedly a customer advocate who I found him very condescending, demeaning and quite the opposite of the definition of advocate. My wife was extremely disturbed by his lack of professionalism and response. Frankly in our opinion he seemed not to be with it since I had to repeat myself a number of times and he NEVER answered my questions!. I finally had t cut off all communications with him. The fact is I asked him to hold onto the phone conversations from Mr. XXXX and with him XX/XX/XXXX between XXXX and XXXX XXXX. and to enter specific commentary into the account notes. I do believe you will find only negatives. I have already opened 3 complaints with you the CFPB XXXX-XXXX  and with the FTC and department of Financial Regulation State of Florida and Federal Reserve which sent me to you AGAIN! They have refused to respond to the earlier complaints and now have once again impacted me financially credit wise, fees and other issues ad inhibited my ability to gain financial loans or purchase a vehicle. I do not know why you have not assisted but sadly you have done nothing and they are evidently not interested and not concerned? You also have NOT repaired the incorrect name for my wife even though XXXX XXXX has corrected the issue multiple times whichoall you have to do to prove that lie is check out my wife 's name posting as XXXX  and with a middle initial of XXXX Opinion- A sham if immense proportion concerning their lack of skipping a payment I requested and I was assured by them it was and today immediately after Mr. XXXX assured me it was the so called Customer advocate XXXX  stated it was not done! LIES! A review will show I have been in touch with them multiple times via every venue and they failed to reply or respond. They merely ignore. To get through to them almost impossible! Their responses all fake news.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  XXXX is not reporting that I have a {$0.00} balance on my card to Transunion.

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted 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 2020-08-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We made an attempt to adopt a dog via an online site that claimed to have dogs available to us. 
XXXX XXXX XXXX The payments were made via XXXX XXXX on XX/XX/2020. 
Upon receipt, the company claimed that the animal was being transported via XXXX XXXX XXXX. Additional fees were requested which we provided again via XXXX XXXX  on XX/XX/2020. 
After trying to track and get the animal shipping status, it became clear that this was fraudulent. We made attempts to contact the " seller '' to no avail. 
We contacted XXXX XXXX  on XX/XX/2020 and they stated that in these types of fraudulent cases, we should reach out to our bank for getting out money back. We received confirmation of this direction on XX/XX/2020. 
We contacted Wells Fargo and after two calls and one online dispute claim, they stated that their system did not have any errors so this is a non-issue. We received official confirmation of this XX/XX/2020. 
Claim XXXX : Investigation Completed. No online form is available. The bank claimed they sent a hard copy, which I do not have. 
Since we did not receive the animal that we were promised via signed contract, we should be able to get our money back.

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 2020-07-16
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
We have been trying to get a credit report from Equifax since XX/XX/2020. We have faxed our documents 3 times, but Equifax is refusing to release our credit report. They are claiming they never received the documents, but we have proof of all three times the documents were sent. We can not get our home loan without this credit report. We are about to lose our contract with our home offer because of this. The other 2 credit bureaus released our credit report with no issue, so it is only Equifax. 
We have called customer service over 5 times, and all they say is they haven't received our documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018 I sent a Lease payment to my landlord via XXXX quick pay service by Chase bank account using the payee 's phone number associated with his account for the amount os {$1200.00}. 
The payment went true according to the bank records but on the 11 day my landlord contacted me asking why my payment haven't been sent, I inquired with Chase and they stated that the funds were taken but my landlord denied receiving any, we contacted XXXX customer service they sent us to complain with Chase bank, whom told us to check back with XXXX, they said that the funds were somewhere on XXXX  XXXX XXXX and we needed to file a claim with XXXX.whom sent us back to Chase bank since the transaction were originated within. 
we ended up paying double on our lease plus a late fee of {$100.00} a day from the XX/XX/XXXXday of the month to the XX/XX/XXXX day equals {$600.00} totaling {$1800.00} Dls So far it has been 3 months and this issue still haven't been resolved from neither part for them the issue has been resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Well today, I believe there was an overcharge of over a XXXX, dollars, at a XXXX XXXX in XXXX XXXX, thought I was purchasing a XXXX XXXX, prepaid cards valued at XXXX, was told an email receipt, would show up, there was only XXXX  worth. Some individual walking by acted like something was thrown on ground, in XXXX XXXX, there also seems to be people walking by me like they have ether on them coming up to me, around 5 individual s in XXXX XXXX   thought it was funny.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the US Bank Cash + Rewards Visa credit card in XX/XX/2017 through a promotional link on US Bank 's website -- the information for the promotion was to receive {$150.00} bonus after spending over {$500.00} with the card in the first 90 days. I was approved for the card, it was mailed to me, and I used it well beyond the required spending amount to receive the promotion. I waited the appropriate amount of time before requesting information about the promotional bonus, and when I did request why my bonus was not applied to my account, I was given different information by different people, and finally when speaking with someone in a supervisory position over the phone I was informed that I would need to ''submit proof '' of the promotion I had applied for to a postal address or via email. I did inform them that there was no physical paper trail as this was an online application, and the only information I could provide was the link that I clicked through on the promotional offer page on their website ( please see attached screenshot ). US bank agreed that I had indeed followed all correct steps for the terms of that promotion, but continued to insist that I provide proof to them that I had applied for the promotion in the first place. I have spoken with them a number of times over the phone, emailed them, and am still getting this insistence that I should have ''paper records '' of an application that was made 100 % online, and they are even responding to my requests via postal mail with this same story. I have requested that someone escalate this and look into my actual account, and they have stated they will ''work on it and contact me '' and I have had no response other than the same request for ''paper records '' to be faxed or mailed to them. I would not have applied for this card outside of the promotional offer, and US Bank have absolutely taken advantage of me with false advertising for a bonus they refuse to grant -- they will not work with me on this and will not provide any further information to me about why. This company is operating under false advertising and are scamming customers into applying for products they do not want or need!

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 monetary relief
Consumer complaint received 2020-11-03
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been paying monthly payments on the XX/XX/XXXX of the month for the past several years. I recently called to set up our automatic payment plan to have our payments come out every week. Wells Fargo screwed up on their end. They consistently took out the payments but had some kind of issue on their end resulting in us having to pay over {$2000.00} in payments to become current. This resulted in us having to come up with this money out of nowhere in order to keep our home.

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 2018-03-02
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened : XX/XX/2017 ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX ... 
I went to this emergency room, but when I got there, the XXXX XXXX me 4 times wrongly and I did not want to move on getting XXXX and I refused to get treated. They then handed me a document to sign that I refused to get treated. So why do I have to pay for nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation