BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To whom it may concern : my complaint is as follows, in XXXX of XXXX, our XXXX XXXX XXXX XXXX XXXX trailer on loan number XXXX, had a payoff request asked for by XXXX XXXX XXXX XXXX XXXX. A check for the entire payoff amount was submitted per loan office with XXXX XXXX According to XXXX XXXX, Bank of the West had never processed original check and it was not cashed which crested late charges. XXXX XXXX coordinated that mishap with them and supposedly all was resolved. 
Bank of the West, continued to issue notices for late fees and interest fees for payment due to my account after this transaction was completed. I contacted XXXX XXXX, inquiring and was informed that Bank of the West did not process the loan payoff correctly. My apology for not having specific dates but if you check the records of Bank of the West, they have a call log as to when and how often I called and spoke with them. 

Over the next 4 months to current date there have been several calls to resolve what was initially, {$33.00} outstanding. Our position on this stands firm. These charges are not legitimate, and this account must be closed and satisfied and declared PAID IN FULL AS PROMISED. 

In addition, Bank of the West has the responsibility to report back to the credit agencies : XXXX, XXXX and XXXX, removing any negative and/or derogatory information reported against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

Respectfully submitted, 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 2023-04-25
Company: Block, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used my Cashapp credit card to make an online purchase. After not receiving the items ordered nearly 3 months later and contacting the merchant several times, I asked Cashapp to perform a chargeback. Cashapp denied my request. When I asked to see documents on which the denial was based, Cashapp provided me a copy of a document which showed that I authorized the transaction. The fact that I authorized the transaction has nothing to do with the fact that I did not receive the items. Cashapp did not attempt to contact the merchant or do any type of investigation and they refused to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$8100.00}

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 explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All 3 credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. XXXX EQUIFAX AND XXXX ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.

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 2021-12-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed. I received a response from better business bureau stating that this request has been deleted on XX/XX/2018 but it has not and is still being reported as valid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Selene Holdings LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We have a discharge date of XX/XX/2021 from a XXXX XXXXXXXX Plan. Selene Finance who holds our Mortgage refuses to send us any statements or speak with us. They also have not reported to the Credit Agencies that we have an active Mortgage at all. Since our case was discharged our counsel will no longer help us address this continuing problem. We have spent countless hours calling, leaving voicemails and emails to Selene Finance showing them that the bankruptcy court already closed this discharge, however they still will mot speak with us or change our Loan to show that we even have a mortgage to the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Wells Fargo and I have been happy with them until about 3 Months ago when I had my account number changed due to fraud. When I originally opened my account I was not able to get over drawn unless I payed with check or using my account and routing numbers, the type of account I had didn't allow for overdraft so if the funds were not there to cover a transaction it did not get paid. Since getting a new account number the bank has let most transactions go through causing me to stay over drawn more often than not. I asked them on 3 separate occasions and they said it's up to them to decide what to pay or not but if I have not asked for overdraft then I don't understand why they can change it on their own. When speaking to another person who also banks with them I was told that they changed everyone 's account to a regular bank account and it allows transactions to be paid even if funds are not available and they charge for the overdraft. I find that to be unfair being that I usually have to agree and sign that I want the bank to pay items when funds are low

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 2018-04-20
Company: PNC Bank N.A.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hi There, My name is XXXX XXXX XXXX. On XX/XX/XXXX I chose to have my adult son XXXX XXXX XXXX join me in the ownership of XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. My Son was put on the mortgage for the soul purpose of his SSN # on the XXXX to replace mine because I am XXXX and over XXXX & don't have a tax return so my Son XXXX XXXX XXXX. We had informed loan depot before we followed through with the loan that XXXX was to declare the interest with his XXXX #. I didn't find out about them not honoring what my Son and I agreed to with this company until I received the XXXX and when i contacted XXXX XXXX on XX/XX/XXXX @ XXXX, he informed me " Because my name was first on the loan and deed they automatically put the XXXX in my SSN #. I informed him the reason for the loan was for XXXX XXXX XXXX XXXX # for interest purposes and your staff told my XXXX & I they could do that so we never thought twice till I printed out the XXXX & was shocked to my SSN # instead of my sons. This is Loan Depot issue to mix and i will not do any assumption for something they messed up on. It shouldn't matter who's name is first. 
If you'll need any other documentation just reach out Sicerely XXXX XXXX ( mom ) XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$500.00} loan. I was approved by CashnetUSA. They deposited {$420.00} into my checking acct. {$75.00} of the loan went to CashnetUSA for fee. I have been paying monthly ( since XX/XX/2021 ) on this loan by electronic payment debited from my checking account. I have paid a total of over {$800.00} through monthly payments for a {$420.00} loan and my balance owed on the loan as of today is {$420.00}. I basically have paid this loan down by {$4.00}, but yet have paid over {$800.00} towards the balance. This is absolutely unacceptable to do this to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSWORLD SYSTEMS INC
State: PA
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 dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX XXXX as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Incorrect balance reported on my XXXX XXXX credit card. Its being reported from old info Im over my credit limit. See attached STATEMENT

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 2020-08-19
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: Account status incorrect

Complaint:
I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. Transunion reinserted it again today without any prior notice.

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 2019-05-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted IQ Data in XXXX. I have been paying my debt both to country and private individuals to include IQ Data. Representative XXXX XXXX and I agreed to a monthly payment in the amount of {$340.00}. This amount was agreed to be deposited on the XXXX of every month. I paid {$340.00} on XX/XX/2019 and {$340.00} on XX/XX/2019. I spoke with XXXX XXXX on XX/XX/2019 in regards to a settlement. The recorded conversation will note that I stated I would contact him if I could pay the settlement of {$1000.00}. I did not contact XXXX XXXX. Therefore, indicating I could not afford it. On XX/XX/2019, IQ Data withdrew {$1000.00}. I called IQ Data and the information given in their defense is false and inaccurate. If the line is recorded, then they will know I did not agree to settle on XX/XX/2019. IQ Data states that they tried to contact me on several occasions on the date of XX/XX/2019 to verify if I could commit to settlement. I have a phone log that states I received no call. IQ Data stated that they left me several voice mails. My inbox states otherwise as my voicemails are forwarded and can not be deleted due to company IT regulations. This company is why people dont pay debt. They are building a defense with no credible information. I request the recorded conversations to be sent to me. If I am wrong I will pay {$1000.00}. I am most certain this is harassment and falsely using information. You will see in attached documents that voicemails have been logged. There is a deleted folder that can not be deleted due to company IT restrictions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Commonwealth Health Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HILLCREST CREDIT AGN Ad dress :  XXXX   XXXX   XXXX    XXXX   XXXX  , KY  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. No document were provided showing a contract or signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit 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:
After returning from a trip to XXXX, New York on XX/XX/XXXX, I received a notification that my credit card statement was available, and that the balance was much higher than it usually is. Upon carefully reading through the charges, I discovered that a cash advance was made at an ATM on XX/XX/XXXX in the amount of {$500.00} by someone other than myself. Because my credit card has been in my possession the entire time and I do not typically request cash advances ( especially in that amount ), of course I immediately called to report the fraud, dispute the charge ( claim # XXXX ), and have my credit card replaced. No less than four times, my dispute has been resolved with the resolution being " unable to pay ''. The most recent resolution document states that I " admitted that the charges were valid '', which I absolutely did not. I have spoken with supervisors and have made good faith attempts to speak with loyalty/retention specialists. I have banked with Bank of America for eighteen years and will absolutely sever ties with this institution if I am not absolved of the {$500.00} that was stolen from me.

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