BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX i tries to apply for a secured card to build credit becaiaw i have no credit at all. capital one system keeps declining me and pulling someone else credit information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I have tried to fix this issue with SYNCB/CARE CREDIT for over a year and they will not correct this error. They have an account attached to my credit report that is not mine. This is my ex-husband 's XXXX XXXX - many years ago he added me as an authorized user but that was closed upon our separation. 

As well, legally the debt and/or credit card is under his name and as a user this is illegal to add to my credit report. I have requested them to take this off my credit reports for over a year with 6 documented written requests. 

This is not my debt. 
This is not my credit card. 
This needs to be removed immediately from all three of the credit reporting agencies immediately.

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 2020-07-21
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I took a hard money loan out on my property in north carolina.The company was called XXXX XXXX.The loan was in the amount of {$22000.00} on the structure that sat on the property.I filed chapter XXXX bankruptcy and agreed to sell a portion of the property to pay off the loan.once i found a buyer and went into contract XXXX XXXX foreclosed and sold the property less then what the buyer was paying illegally while i was under bankruptcy protection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Date : XXXX XXXX XXXX. 
I logged onto the Transunion website to place a credit freeze on my accounts ( due to the XXXX  hack ). After answering all questions, the website instructed me to call them. I called them ( was on hold for 90 minutes ), going through their automated phone credit freeze, again answering all questions, only to be informed at the end that I needed to speak with one of their representatives, who ultimately told me that they would NOT FREEZE MY CREDIT, unless I did the following : Make a copy of my social security card, my driver 's license, and a bank statement showing my address. Write them a letter telling them WHY I 'm asking for a credit freeze, list my name and address and last 4 digits of my SS number, and MAIL it to them at : XXXX XXXX XXXX, XXXX, PA XXXX. Then, THEY will decide if THEY will place the credit freeze. The hard copies of my SS card, driver 's license, and bank statement becomes their property to be kept " on file ''. I also need to include a check for {$5.00} made out to Transunion XXXX 
I had no problems placing a credit freeze with XXXX or XXXX online, but Transunion is making it practically impossible, and incredibly risky for me to place a credit freeze with them! Can anyone HELP us poor consumers!!!

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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Third complaint with consumer finance, plus many attempts via mail and credit bureaus. I have repeatedly requested verification of the debt they continue to say is owed, and they are dismissive.Requested : Application records or screen prints of internet/phone applications, Statements/invoices, Payment/charge slips, Investigators summary, Delivery addresses, All records of phone numbers used to activate or access the account, Any other documents associated with the account Please send these records to me at the address on file. They simply answer they feel what they have done is sufficient, and it is not. On XX/XX/2021 they wrote " We feel that our previous response fully addressed your concerns, and our decision has remained unchanged. '' I do not feel that it addressed my concerns at all, and would like the documentation i repeatedly request. If they can not provide it per my rights, they should stop claiming it is a debt. Again, please promptly send all documentation requested, or resolve the debt. If neither happen, I have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage Co ( XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXAR ), charges {$5.00} processing fee for paying mortgage online, and {$10.00} over the phone. Before Arvest bought my loan, i did not have to pay these fees to pay over the phone or online. This forces me to mail in a payment and manage a portion of my money non-electronically like the ever single other aspect of my finances and creating a major inconvenience, or pay the extortion fee. This is illegal, immoral, and i feel i am being taken advantage of, because I have no control over who buys my mortgage. 

over the life of the loan, that will equal to a minimum of {$1800.00} in fees that were not disclosed at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were already enrolled in a payment plan with XXXX XXXX XXXX and the debt was paid. Now Im getting another statement saying I still owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: NY
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: 2288984 Ontario Inc.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called my mother XXXX XXXX at XXXX, on XX/XX/21 at approx XXXX and threatened that a process server would be serving me with legal paperwork over a debt. My mother was advised of a case number against me - and my mom was told I had a debt and was threatened by a XXXX XXXX that papers would be served to my place of employment that day. 

I called back on XX/XX/21 to the number given - XXXX. I was told that this was the number to call back. This was not XXXX XXXX nor the company he claimed to be calling for, it was XXXX XXXX XXXX for a debt that had been sold twice. 

I was told that they are a mediation company that tries to reason with the person before it goes to litigation. I agreed to the terms but I am now concerned that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Credit Card Receivables Fund Incorporated
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint is in response to the company 's previous misinformation and answer to my complaint # XXXX. UNIFUND misrepresented that the judgment they owned was active. IT WAS a DORMANT JUDGMENT and they misrepresented that and sold it to XXXX XXXX  XXXX   XXXX. 
l. Unifund attempted to collection on a dormant judgment. The writ was returned to them from the constable as not identifying any non exempt property. However, the writ was also issued outside the 10 year time frame allowed for tolling. Unifund has attempted to claim that the writ was issued before the 10 year time frame by using a bogus preparation of writ date. Texas Law clearly rules that mere preparation of a writ does not constitute issuance. The writ is NOT legally issued until it is date stamped and signed for by the constable/sheriff. THE judgment became dormant prior to the XX/XX/XXXX date that the constable signed the writ. 
2. Unifund sold this judgment on XX/XX/XXXX to XXXX XXXX XXXX XXXX and claimed that the judgment was ACTIVE!!!!! They misrepresented the facts and received money or benefits as a result of it and by warranting that the judgment was not dormant. 
3. In fact they continued to claim that the judgment was active into the complaint cited above. I am attaching the course taught at the Texas State Bar for accreditation and specialization for consumer collections. Page 5 and 6, IIIA.c. ( l ) states that : The law requires that when an execution has been placed in the hands of a sheriff, he shall note upon it the hour and the day received, and shall, within the time prescribed by the execution, make due return of what he has done, in compliance with the requirements of the writ.... In order to be a compliance with the statute the writ must be placed in the hands of the officer whose duty it is to execute it ; and until this is done there has been no sufficient compliance with the law 4. Additionally, once the judgment becomes dormant the following applies : If a writ of execution is not issued within 10 years after the rendition of a judgment of a court of record or a justice court, the judgment is dormant and execution may not be issued on the judgment unless it is revived. 

5. UNIFUND and XXXX XXXX XXXX XXXX are in the debt collection business and have an obligation to be mindful of the laws. They have purposefully breeched the fair debt collections laws and misrepresented the facts and they continue to do so even today in fraudulently citing rules on the lawful tolling rules for maintaining an active judgment. THEY DID NOT act within the legal perimeters of the laws and misrepresented those facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Rent Recovery Solutions
State: NC
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:
XX/XX/XXXX XXXX filed complaint against Rent Recovery Solutions LLC. Complaint was completed  and justified but Rent Recovery Solutions still appear on XXXX and XXXX  when they were to be removed. Rent Recovery Solutions LLC appeared on XXXX twice only 1 was removed it also appears on XXXX now and still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: WELLS FARGO & COMPANY
State: MD
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:
Wells Fargo Dealership took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

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 2021-04-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This was a case of fraud that was committed in the XXXX, TX Office Depot, according to the receipts from my online account. ( I am in XXXX, AZ. ) The problem is, I had no idea when the fraud occurred until much later because I rarely used this Office Depot Business credit card. I certainly do not lend it out, and it was never lost or stolen. I had no reason to check my account to see what I owed, but I suddenly got a " bill due '' email and to my shock it was for over {$600.00}! 
I have been going around in circles with Office Depot which allowed someone to use my card number 3 times in one day to purchase pens and what looks to be 3  {$200.00} gift cards in XXXX different orders on the same day. ( They say " Mastercard {$200.00} Item #  XXXX ''. I tried looking this item up on their website, and it says, " Item is Currently Not Available ''. ) Why wasn't the employee that rung these up just a little bit suspicious? An out-of-state account, either just a number or a fake card, I don't understand how this was even rung up. I had my card the whole time, so they couldn't have had the real one!

Office Depot canceled my old card but wouldn't do anything because I didn't report it in a timely manner. They kept sending me emails of owing this $ XXXX   bill on the old canceled card. I called yet again, and they apparently had closed the case since I didn't respond in time. ( Another problem was we just moved and the address changed! ) They said they  would reopen the case, and I should report it with local police where it happened. I am in XXXX, AZ and the fraud occurred in Texas, so I filed an online report with the XXXX police where it happened. The Office Depot Credit Card people also said I should send my info to the credit bureaus and the FTC, so that is what I am doing.

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 2021-04-07
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My bank account has been frozen or blocked without proper notice. The account was frozen on XX/XX/XXXX. I called the bank and was connected to the fraud department. They instructed me that they could not access the account, there was nothing I could do, and to call back in 48 hours. I called back on XX/XX/21 and they told me the same thing. I worry my account has been closed without any notice, and I will suffer inconvenience and costs by not having access to my account. The bank has not given me information on why my account has been frozen, nor anyway to contact those in control of my account. I have received no communication from the company with regards to this issue. No mail, e-mail, or phone calls.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-05-27
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dont recall when but I went to XXXX XXXX XXXX in XXXX nj with stomach pain. Upon, y arrival the doctor told me he would like to do an XXXX. I said I can not afford out of pocket costs with my insurance because it is extremely limited. The cost of my weekly deduction was XXXX dollars. It is now XXXX dollars. For one person. A bare bones plan my job offers simply to avoid the fee they would be required to pay if they did not offer it. The doctor office and my insurance company both said the procedure would cost me XXXX dollars out of pocket as long as I did it in the doctors facility. If there was anything else there would be a small fee I would be billed for. Again I asked numerous times if every person involved accepted my insurance to which I was told yes. About 4 weeks later I received a bill for over XXXX dollars. This is not a small fee. The anesthesiologist did not accept my health insurance as I was previously told they did. It was sent to waterfall revenue group. I told this doctors office before I went for this procedure I couldnt not afford a large bill with my XXXX dollar a month rent bill and a XXXX girlfriend. So it went to collection. XXXX  agreed with my dispute and removed it from my credit profile. Now this company waterfall revenue group has opted to drop it onto my XXXX report causing my score to drop 40 points in one day. The doctors office lied to me. New Jersey has a no  surprise bill law. This bill is the biggest surprise Ive ever gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I HAD CONTACTED MY CARD COMPANY BECAUSE I HAD PAID A COMPANY BY THE NAME OF XXXX XXXX XXXX. AFTER READING REVIEWS ONLINE AND GETTING NO RESPONSE OR REFERALS THAT RELATED TO MY TIMESHARE I CALLED MY CAPITOL ONE CARD TO LET THEM KNOW THAT I NEEDED HELP DISPUTING THIS CHARGE.. THEY THEN GAVE ME A CREDIT OF THE XXXX AND I FILLED OUT ALL THE PAPERWORK THAT THEY SENT ME, AND FIGURED THAT THIS MESS WAS BEHIND ME, BUT THEN I GOT A CALL THAT MY CARD WAS OVER THE LIMIT AND PAYMENTS THAT ARE AUTOMATICLY PAID CAME BACK. INSTEAD OF LISTENING TO THERE COSTUMER THEY BELIEVED A COMPANY THAT IS KNOWN FOR STEALING FROM THE ELDERLY, AND TAKING ADVANTAGE OF PEOPLE. THEY TOOK MY CREDIT AWAY AND NOW THIS COMPANY IS CALLING ME DEMANDING MORE MONEY. I AM TRULY DISGUSTED WITH THIS WHOLE SITUATUIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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