BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-24
Company: Mr. Cooper Group Inc.
State: TN
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:
After several attempts to rectify the situation and supported documents, XXXX refuses to change to report. Most of which have " ND '' which means NO DATA?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX Transworld systems keeps robots calling my line early mornings and throughout the day and would not say anything. when i call back, it states this is not a working number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
1. I ( XXXX XXXX ) purchased XXXXXXXX Egift Card from XXXX. 
Purchase price : XXXX on XX/XX/17. 
2. Tried to use the Egift Card from online on XX/XX/17 but did not go through. So contact XXXX, they said there was no balance in the Egift Card code. 
3. Requested XXXX to get refund on XX/XX/17. They declined. ( please find attached ) Until now, I have been trying to get my refund. But XXXX declined. 
4. We also contacted Chase credit card. ( Which I used this card to purchase Egift card. Ending with XXXX ). Chase bank declined this fraud claim. Please help with the dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX TD Bank ( XXXX Branch Number XXXX ) prepared and sent an International outgoing wire to XXXX , XXXX XXXX deducting {$9800.00} from my account to do so. On XX/XX/XXXX the recipient stated it had not arrived. So I had TD do a trace to find the wire. They stated it was at XXXX bank and may be held while funds converted. When the recipient could not trace from their end I requested a recall of the wire. In all cases there was no response from the XXXX bank ( if it was there ). 
From then XX/XX/XXXX until now XX/XX/XXXX no response from XXXX bank is the only report I get when I call. Frustrating is no one wants to help and requests for escalation are ignored. Evidently no one is skilled enough to trace and retrieve. 
The recipient was sent copies to trace from their end and their bank said no wire with those dates and amount was found. 
I feel this wire is in limbo or maybe a false image out there in the system. 
How can their be so little knowledge or skill if a bank is providing this service No one wants to help. I call XXXX XXXX and wait while the rep calls Wire Dept. the answer is always the same : nothing can be done, it is the XXXX Bank holding the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hi. Last year in paid off my car loan with the payoff amount in the amount of {$18000.00} on XXXX XXXX, XXXX that Ally Financial provided for me. I paid the amount and it showed a XXXX  balance and that the title was on its way and I didn't owe anything. I've waited at least a week to confirm that I didn't owe anything, just to make sure. On XX/XX/XXXX it showed that I still didn't owe anything and that final payment was received, title was processing and released, and then the processing was complete. Several weeks later, Ally Financial made " reversal '' of a monthly payment I had made in XXXX and it didn't go into my card or checking account. The reason it showed on their website was " Migration. '' So then it showed that I owed {$510.00} and that it was due until XX/XX/XXXX. I called them several times and they said they didn't know why that reversal was created but it was money that I owed. I asked them what checking account or card the money went to and they couldn't provide that information. I paid about {$140.00} of that amount because they threaten to hurting my credit and they would investigate the matter and get back to me. I've called every 2 weeks to get an answer of why the reversal when I have a picture of the account showing a XXXX  balance due. They asked me to email it to them and when I tried, I kept getting errors not allowing me to upload pictures " at this time '' because of system maintenance. But you can send emails but no attachment. Now it affected my credit because I never finished paying that amount that was reversed about a month after I paid off the loan. And they still can't tell me why it was reverse. They just tell me that their system was going thru changes around XXXX XXXX so they can't access all the information they need so they can tell me. Any help is greatly appreciated Thank you.

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 2020-12-15
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: D&A Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On X/X/17 I received a voicemail from D & A services on my work phone number. They stated they were a debt collector on the voicemail. This number is assigned to me at work but recordings can be accessed by my employer. In my opinion this is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my 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 explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXXXXX, XXXX credit and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion has my XXXX XXXX loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the XXXX XXXX is listed in collections.

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 2020-08-23
Company: FISERV INC.
State: AZ
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 requested a report from Telecheck in XXXX and later that month received such report dated XX/XX/XXXX. 

To my surprise, the report listed four different items, all dated XX/XX/XXXX. All were NSF checks to XXXX. I have been an XXXX XXXX member for 20 years, at least, and have/had no idea that one could write a check to XXXX or how one would do so. Worse, not only did the report list each of the four items as " NSF, '' but each carried an unpaid balance. 

I immediately called XXXX and was connected to several different employees in the Financial Department. Not one person could find anything negative on my account. I spent thousands of dollars a year at XXXX and would think that if I did owe a balance dating from XX/XX/XXXX, XXXX would refuse to let me continue to order without the matter being resolved. 

On XX/XX/XXXX, I sent a letter to Telecheck XXXX XXXX XXXX explaining that I had already spoken to the alleged Creditor who denied all knowledge of the debt. Under the FCRA, I invoked my right to have Telecheck verify and validate each one of the four claims within thirty days. I stated that if Telecheck could not provide me with any evidence or documentation, then they should immediately delete all references to these items. 

Today, XX/XX/XXXX, I received a message from Telecheck dated XX/XX/XXXX, which ignored the content of my letter and contained only an extremely comprehensive form to report forgery, counterfeiting and identity theft. First, the information they request is, or should be, in their possession. The form also requires me to do extensive work ( I.e., speak to my former bank and try to get a statement from that time, attach a police report, an FTC Identity Theft Report Affidavit, etc. ). It appears that Telecheck wants me to disprove that these accounts are mine instead of living up to their duty to perform an investigation. A simple call to XXXX, such as the one I originally made, could confirm that these charges are not mine rather quickly.

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 2021-08-18
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX  XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE

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 2020-11-14
Company: CITIBANK, N.A.
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:
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per 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 2019-03-24
Company: EQUIFAX, INC.
State: AZ
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 three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is to inform the CFPB that Wells Fargo lied in a email inquiry sent from the U.S Treasury. The following is a copy of the email inquiry which Wells Fargo confirmed the complaint was Valid & Accurate. Wells Fargo also Accepts responsibility and admits liability. Wells Fargo also offers 2 resolutions to resolve the complaint in response to the Treasury 's question of " provide recommendation for resolution '' Neither of which Wells Fargo pursued. instead the foreclosed on my home. 
I ALSO HAVE & OTHER EMAILS FROM WELLS FARGO YOU WOULD LOVE TO SEE " Associated Risk : ( Provide facts and/or customer statements regarding their situation that may pose a risk to Wells Fargo. ) We quoted terms at the time of the TPP approval on XX/XX/XXXX. Indicated these would be the terms of their modification. When the permanent HAMP Mod was approved the terms were drastically different due to the investor restrictions and length of time it took between the TPP and Perm Mod. 

Timeline Highlights : ( Most important, relevant events from timeline which are essential to resolution and response. Use Timeline on page 5. ) Approved HAMP TPP on XX/XX/XXXX Quoted terms to customer. Indicated terms were set Title issues completed XX/XX/XXXX Approved HAMP Mod on XX/XX/XXXX Drastically different terms than previously quoted Recommendation : ( Provide your recommendation for resolution, including but not limited to SPOC engagement and decision review ).

Buy down principal Repurchase the loan so we can approve a mod with similar or better terms than quoted. 
Already assigned OOP SPOC '' Also please take notice of the following which CONTRADICTS Wells Fargo response to the US Treasury DOCUMENT 70 from the  below case. 
Federal case number Case 6:16-cv-01919-CEM-GJK DEFENDANT WELLS FARGO BANK, N.A.S MOTION FOR SUMMARY JUDGMENT AND INCORPORATED MEMORANDUM OF LAW iii. Count V Fails To State a Claim For Negligent Mortgage Servicing " Even if Plaintiff could establish a legal duty, which Wells Fargo denies, the undisputed evidence is clear that Wells Fargo properly handled his Fourth and Sixth Modification Applications. Specifically, Plaintiff contends that Wells Fargo offered Plaintiff three different and contradictory loan modifications : ( 1 ) an Original HAMP Modification ( see Sec. Am. Complaint at 30 ) ; ( 2 ) an Oral Modification ( see Sec. Am. Compl. at 31 ) ; and ( 3 ) a Non-GSE HAMP Modification ( see Sec. Am. Compl. at 39 ). As was made clear during his deposition, Wells Fargo offered only one loan modification to Plaintiff the Non-GSE HAMP Modification.

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 2020-07-03
Company: EQUIFAX, INC.
State: CA
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:
In XXXX, XXXX I submitted a complaint to Equifax stating that they have an incorrect SSN for me in their file and sent them all supporting documents. They sent me a letter on XX/XX/XXXX stating there was nothing wrong and the SSN reflects correctly on my file. On XX/XX/XXXX I tried applying for credit with XXXX and it again reported that the system could not validate my SSN  with Equifax. When I called them on XX/XX/XXXX their customer service representative told me that they had an incorrect SSN on the file and their last letter informing me that there was nothing wrong was incorrect and they could not tell me the reason why the record was not corrected when I initially complained to them. This repeated failures on the part of Equifax to correct my records in their system has led to my credit applications being declined from multiple financial entities and have led to a situation where I have to be dependent on my parents for credit. The other 2 credit reporting agencies reports all data correctly. In spite of contacting Equifax several times last XXXX and in XXXX they failed to fix the issue and has caused great financial harm to me and I have not been able to build my own credit history. I request a thorough investigation of their internal processes, identify the cause of repeated failure to address my concerns and compensate me for causing irreparable harm to my financial profile and credit worthiness. In my call with them on XX/XX/XXXX they indicated the issue would be fixed in 48 hours but I do not trust them anymore and request investigation of their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX  for XXXX  a month and bill from XXXX XXXX for XXXX and XXXX a month in XX/XX/XXXX. I checked today XX/XX/XXXX and after making 5 payments to XXXX XXXX XXXX they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XX/XX/XXXXwas not received and they JUST posted that the account is late this month but the first payment in XX/XX/XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/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