BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: First Data Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I talked with the manager @ XXXX, located @ XXXX XXXX XXXX XXXX, Virginia XXXX XXXX, round our about : XX/XX/2018.. because I was having trouble activating the new card they gave me for employment,.,, The manager called the corporate office and they told me to give them my physical address so they could release my funds,, so I gave the manager the information,, They next day I tried checking my balance online with XXXX   and I was told that the email and passwords entered on my pay card did not match there records. and were not my emails.. so my card, had somebody elses email on them, I contacted XXXX corporate office,,   and they said they might have given, me the wrong card. So the same day I tried checking my balance.. about XXXX XXXX and a $ XXXX transaction was made for a XXXX XXXX  that was not mine,, so I called XXXX County sherifffs offci , officer badge # XXXX, and reported the identy theft,,, - and then I did a ftc.gov- report.-online for credit card theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/XXXX between XXXX and XXXX XXXX I went to the bank and withdrew {$3000.00} from my XXXX XXXX business account to pay myself at Truist my personal account which is right across XXXX XXXX. While at the atm location XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX # XXXX I was trying to deposit my {$3000.00} into the machine however, the machine accepted the bills until the screen read ERROR and it prompted to dispense the bills back to me because the transaction was not complete. The machine then behaved as if it would return the bills it did NOT. I left my card in the machine and put my car in park while I entered the inside of the bank. I told the banker inside my money was never dispensed back to me so I could complete my transaction after the screen read ERROR. The banker followed me outside to the atm where my car was still parked in front on the machine. He observed the machine was not following any prompts and told me there was nothing he could do since the manger was not on duty that day. He gave me the number to call Truist customer service and file a complaint. I spoke with a representative while I still sat in front on the machine in my car. After explaining the issue that occurred the representative told me a provisional credit would be applied to my account. The representative filed my claim and told me they would investigate the claim number XXXX. I waited to hear from someone from Truist regarding my claim until I called XX/XX/XXXX at XXXX. I was told my claim was denied however, I did not received anything in writing. I was then directed to speak with the supervisor of centralized fraud department XXXX she again stated my claim was denied and they can not reopen the case. She said she would file another complaint with the department on my behalf and request a analyst call me about their findings during their investigation. Complaint number 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have tried to obtain a free copy of my credit report for over a month. I have not even received a rejection notice. The problem may have been a recent move, so I have opened a post office box that is easy to validate. I need a free copy of my credit report from each respective credit bureau immediately. 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 2018-07-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collection agency ( XXXX XXXX XXXX ) several times and they continue to tell me that they can not provide me with  proof/paperwork showing my ownership of a debt for {$500.00} with Speedy Cash taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from 2013. I am going in circles and this is my worse nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I do n't know why that every month when i send in my mortgage check its always a problem with them cashing the check NationStar Mortgage I keep having to put a stop payment on my checks for last 3 Months because they said that they have not receive it out of all of my other checks that i have sent out are cash but Nationstar its always a problem and i would like to know why please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Under the rights FCRA, My rights have been violated by the 3 credit bureaus. XXXX, XXXX, Experian. For the past year now 2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XXXX of 2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XX/XX/2019 XXXX, XXXX, Experian, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.

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 2020-10-19
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: Was not notified of investigation status or results

Complaint:
I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX. 
5. XXXX  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There's an account on my Experian credit report that should have been removed and Experian won't remove it. 

The account was opened on XX/XX/XXXX and is beyond the 7 years for removal, and they won't remove it. 

The report stated closed and charged off, which I told all credit bureaus that was wrong and that I paid it as agreed The report also states that a payment of {$120.00} was paid on XX/XX/XXXX, which was not made by me, so that is wrong as well The account also states it was updated in XXXX of XXXX, which is fraudulent and using it to keep it on my credit report The account also lists that it was over 180 days late in XX/XX/XXXX, but wasn't charged off until XXXX of XXXX There's a lot of misinformation going on here and I just want it removed. 

I don't have any late payments or derogatory information on any other credit bureau accounts, including Experian If Experian is not willing to remove it then I would like to file a lawsuit against them for deformation of character and causing hardship by having me denied credit Upon removal I would also like them to send the new information to any credit I applied for within the last year

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 2018-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Following Payment in full of this account in XX/XX/XXXX - I have requested multiple times a final official credit card statement. The XX/XX/XXXX statement provided to consumer by Capital One Bank, NA shows a balance of XXXX. For accounting purposes, the account should have generated a final statement reflecting the current PAID IN FULL XXXX BALANCE. I request the statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One Bank, NA online profile indicates that a statement did cut for those statement cycle dates. However, these statements were not provided to consumer and remain disabled/blocked unable to be viewed online by both Capital One customer service representatives and consumer. 

Additionally, I request clarification as to why under the XX/XX/XXXX statements a duplicate statement for XX/XX/XXXX is shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit : {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : 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
Consumer complaint received 2015-10-23
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage payments and facing foreclosure. I went through Oregon 's foreclosure avoidance program with my lender. The meetings were spaced out over a long period of time and no solutions were offered up by the lender to help me keep my home. Soon after the last meeting I was served foreclosure papers. I believe the lender had no intention of helping me and was just doing the minimum that the state required by going to the meetings. I have filed countless required documents with the lender including letters detailing and proving my financial hardship. I filled out the packet of forms for making home affordable all to no avail. My case seems ideal for the making home affordable act. My wife and I bought this house together after XXXX kids and twenty years of marriage. She started XXXX and then left me. This was emotionally and financially devastating. She took her earnings with her and has since filed a quit claim deed on property. Then I had a very long unemployment period. The new job I finally landed pays much less than my old one. This is how I fell behind on my payments. Now I am trying to save my home for myself and my teenage daughter. It gives her stability. We love and feel safe in our neighborhood. My lender still rarely communicates with me. Recently I was turned down for a loan modification due to not enough income. I heard this through the housing agency that has been helping me try to save my home ( XXXX ). I only received a denial in my ex wife 's name. She no longer has an interest in the property. I was supposed to be able to appeal if I received a denial and the wages they used to calculate were incorrect. I never received it. The stress I face everyday I wake up knowing my house could be lost is getting to be too much. I am also heartbroken when I think of my daughters reaction if I lose the house. I just want a fair chance to save my house and do not believe my lender puts any effort or interest into aiding my plight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account at Wells Fargo on XX/XX/XXXX with a promotional offer. The offer stated if Direct Deposit of {$1000.00} or more was received I would get {$320.00}. My direct deposit of {$1000.00} posted on XX/XX/XXXX. My promotional bonus was due on XX/XX/XXXX per the terms of the deal. To date, my account has not been credited the promotional bonus of {$320.00}

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 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In a letter dated XXXX, XXXX, XXXX  The Bank of America said they were closing my account because they have chosen not to service the type of business I was operating in which is odd because they are head sponsors of events in the same business which is XXXX XXXX   and also provide services for XXXX XXXX betting outlets. I could find no mention of the Bank of America ending their association with XXXX XXXX 

If it isn't already this kind of denial of service should be illegal for a publicly traded company. It creates hardships especially for small business where ever cent matters. It also requires establishing new relationship with another financial institution that may decide to do the same thing not long after going through the process of establishing an 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX  ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2017-09-22
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:
hello- I was involved in the Equifax breach ... all of a sudden, I have XXXX inquiries on my account from XXXX and XXXX that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. It was not my fault that they exploited my information and Im not happy about whats going on. My credit was very good with no derogatory information and now these items have appeared on my report. On top of that, theres an academic loan with XXXX XXXX XXXX for over {$400000.00} that does NOT belong to me. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.

Company response to consumer: Closed with non-monetary relief