BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reached out multiple times to customer service and the XXXX office for assistance in removing a collections account that belongs to my ex husband, XXXX XXXX. XXXX XXXX XXXX court documents and a proof of claim have been provided to XXXX XXXX team multiple times and they are closing the dispute without diligently reviewing the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in XXXX XXXX 
Please assist me in Transuion reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. 
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 non-monetary relief
Consumer complaint received 2020-10-30
Company: JPMORGAN CHASE & CO.
State: NY
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:
Fraudulent transaction, accepted forged signature by Visa and Chase for over-chage I hired a company to move his belongings from XXXX, New York to XXXX, New York. I was given to a quote that the move would cost {$1500.00}. 
I agreed to pay a deposit of {$100.00}, plus {$690.00} on the first day of the move ( XX/XX/2019 ) and {$790.00} upon delivery ( XX/XX/2019 ). Upon delivery, companys rep requested that that I sign authorization for payments of {$100.00}, {$690.00} and {$4900.00}. I refused to sign for the {$4900.00}, as I have not agreed with it. I signed for the {$100.00} payment and attempted to sign for the {$690.00} as these were payments that he had agreed to pay. 
On XX/XX/2019, my credit card was charged the sum of {$4900.00}. My signature was forged and both Visa and Visa Chase accepted that. I was far from the place and the time of the purported fraudulent signature to the agreement. The company is located in XXXX, XXXX XXXX, XXXX XXXX. My residence at that time, on XX/XX/2019 ) was in XXXX, NY. That is 260 miles distance ), which my employer, the XXXX School District attested to ). 

During the dispute process, VISA stated that it was within Chase 's policy to accept an unauthorized transaction in this case, and Chase states that this is Visa 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charge me many overdraft fees over the years ( since 2009 ). I know they are in settlement and they tried to send me a {$35.00} check saying they charge me overdraft fees. Even though its was more than one time. My account is closed ( I closed it for this very reason ) would I still have a case within the settlement?

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 2021-08-20
Company: PENTAGON FEDERAL CREDIT UNION
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 have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My bank has been stringing me along for almost 5 months on a refinance. They have cost me quite a bit of money on appraisal fees and lein lift fees and have waited for all documents to expire to then ask me to purchase them again. They request information and documents after they have already become past due. They have caused stress and anxiety in my life along with lack of sleep for 5 months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
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: Their investigation did not fix an error on your report

Complaint:
They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I made the mistake of helping a gentleman that I was doing business with out of the kindness in my heart. I had a business account and personal account with Bank of America. There was a guy working for me and my father named XXXX XXXX. We chose to overlook his XXXX XXXX and give him an opportunity to remodel my fathers home. XXXX had a check one Friday for XXXX dollars. I allowed him to sign the check over to my business. The check took around 5 or 6 days to clear. Somewhere along the line either XXXX contacted BOA and told them the check is stolen, or BOA contacted XXXX to verify. My account was closed by BOA. BOA treated me very poorly. XXXX stole XXXX cash from our home a week or two later. We have lost big time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: Richland Bureau of Credits Medical Service Bureau 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: Information belongs to someone else

Complaint:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2017 {$720.00} Reached out to company about interest rate and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, Transunion and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

Transunion incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2022-06-13
Company: CORELOGIC INC
State: NJ
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 stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
Company: General Motors Financial Company, Inc.
State: NJ
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 stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After having a youth savings account for 10 years or more, USAA decided we needed a signature card. The online banking system said we could do it electronically, but after walking through it with a representative on the phone it would not work. They sent us a paper form, that we filled out and returned. USAA closed the account without notification ( that we received ). I went into online banking and noticed the account was missing, so I started with the online chat. They could not help and asked me to call. I called in, and after an hour on the phone, they told me my form was received, but the account had been closed on XXXX. This week, I have asked 3 times for a manager call back, was advised they would call within 24-48 hours, and no one has called me back. In the meantime, the money we had in an interest bearing account is nowhere to be found, and this is day 10 since the account closed. 

I am attaching the transcripts of my chat conversations, the last chat I had with them this morning has not posted to my documents yet, but I will send it if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX  is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX. By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both XXXX XXXX. Lvnv are in violation of my Hyppa rights. 
The company LVNV is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had  2  pay day loans from  2  different companies and paid  1  off because they threatened to get a judgment against me and garnish my wages. So i made  5  payments and on the final  1  they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made  1  payment. Ahould I continue to make the payments. And can they garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
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:
I reviewed by Credit Report and noticed that I had 1 late payment in 2018 that I was never late on. I have never been late on any payments for the account that is closed ( Account Number starting with XXXX ) and also have never been late on any payment to another creditor. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to reflect " on time '' as they should be as I was never late. Thank you for your time.

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 2021-10-26
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX, XXXX-Highest Balance {$1700.00} 2. XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 3. XXXX XXXX  U-Balance $ XXXX-Date Opened : XX/XX/XXXX 4. XXXXXXXX XXXX XXXXXXXX C-Balance XXXX XXXX-Date Opened : XX/XX/XXXX 5. XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 6. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my car off in XXXX still have not received the title. I called XXXX times and they tell me they send the lean release over 2 months now and still have nothing i had them send XXXX different letters and none ever got to me. I need my car for work and can not register it until i receive this document. The workers are XXXX and they hang up on me every time i call. I am nothing but nice but im getting extremely frustrated. Please help with this problem nothing left but to sue because they will never send the letter

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 2021-09-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
There is a difference between the amount that I got in the new loan and what was paid in the second company. 

I had a balance of {$22.00} XXXX with Ally my first lender. 

My second lander XXXX paid to Ally on the XX/XX/24 the total of {$22.00} XXXX Difference = {$590.00} There is a balance there that it counts on my second lender, but it was not owed on Ally. 

It was clear, and I was not informed how the difference occur and how it will be paid back to me or deducted from my second loan.

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