BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( XXXX XXXX XXXX ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of VIP Loans before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC. 

Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX. 

I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter. 

Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt. 

This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar. 

This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal. 

Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me. 

XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello this is XXXX XXXX, I had sent you a complaint for a debt of a apt I do not own, you said you needed more information, I'f you can contact me at XXXX. I would also like to notify you that my XXXX XXXX of XXXX is XXXX .agen I was victim of identity theft I sent proof on my last complaint. Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: WA
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:
There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.

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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 previously submitted a complaint on Transunion, XXXX, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, Transunion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

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 2017-10-26
Company: ENCORE CAPITAL GROUP INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, a district court in my state dismissed ( with Prejudice ) a debt collection agencys lawsuit against me in the amount of $ XXXXtheir lawyers did not comply with my discovery request and as a direct result, lost their case. I reached out to the debt collection agency on XX/XX/XXXX to dispute the collections account since the case was dismissed. Not only did they not process my dispute, they stated that they would continue to report to the credit bureaus twice per month. Please help! This is affecting my ability to get approved for credit and to get decent interest rates! Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint to your office regarding this issue with Chase bank before. We spoke with Chase bank customer service. We have been told that they will be working on our case and asked us all the proof of income. We submitted all the information but Chase never contact us with the help they say they will help us with. We are at the end of the year no solution. We are wondering on how long will Chase bank take to tell us about our mortgage modification. We our income we are not able to pay our mortgage monthly payments as scheduled. Too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under The Bureaus Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as XXXX XXXX XXXX had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Ad Astra Recovery Services 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 never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2 years ago I had to pay off debts to get my first house. I called they stated to me that if I paid in full that would delete the credit file on all 3 credit reports which they didn't and its holding out family back from buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or misleading advertising or marketing

Complaint:
Wells Fargo implemented a new policy that prevents anyone from exchanging foreign currency at their branches without having an account with them. 

In the past it used to be possible to go into the branch and exchange currency for a fee with proof of I.D . This is no where indicated on their website and customer service has been unhelpful, this makes it impossible to exchange money in the entire State of Alaska since they are the only major institution in the state that can do any kind of foreign exchange. 

I wanted to exchange a XXXX Peso bill back to USD that was acquired on vacation. All WF branches refuse to help or even explain the reason why this policy is in place, there is no other means to get my money back unless I open an account with WF. 

This policy is not only misleading, it forces you to open a product with them that allows a monthly service fee to accrue.

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 2017-10-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX of this year, I wrote to the XXXX XXXX/SYNCB that I wanted to close my XXXX XXXX XXXX # XXXX because of the annual fee they charged me. And requested them to waive the annual fee after they have closed this Visa # XXXX! 
On XX/XX/XXXX, XXXX XXXX wrote to me that my XXXX XXXX XXXX # XXXX was closed as of XX/XX/XXXX. And the balance on the account was {$0.00} after they removed the annual fee, late fees and interest. And apologized for the inconvenience and frustration they caused me! 
On XX/XX/XXXX, I wrote to them again and attached a copy of the letter XXXX XXXX sent me! Because their billing department keep billing me for the annual fee with late fee and interest ; they also reported to the XXXX Credit Bureau as delinquent on payment to them! 
On XX/XX/XXXX, their customer service department replied that they were doing right reporting me as delinquent on payment and avoiding the XXXX XXXX letter I sent with my complaint to them! It seems to me they do n't care and what they want is ripping me of with fees and Interest!

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.

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 2022-04-01
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX, I purchase and new XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX of XXXX XXXX, Ca. The price of the vehicles was {$39000.00}, I make and down payments of {$5000.00} XX/XX/XXXX and a payment of {$5000.00} XX/XX/XXXX, on XX/XX/XXXX, GM Financial of XXXX XXXX XXXX XXXX, Texas XXXX Stated that the vehicle was under a vehicle lease 39 Months, on XX/XX/XXXX, GM Financial repossessed the vehicle stating default Motor vehicle lease Agreement., I informed GM Financial that had made monthly payments Of {$400.00} for ( 39 ) months and that I have never sign and with GFM Because the lease application was denied by the dealership and GFM On XXXX  Ive presented GMF with poof letter of lease denial dated XX/XX/XXXX, and the lease and payment account is Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I spoke with my bank about excessive fees being charged to my account when I do not keep a minimum balance for my account. I have autopay set up for a host of bills ( student loan, cable, electricity, insurance, etc. ). I do n't necessarily keep up with the timing of the bills, which is mainly the reason people have autopays set up. An autopay withdrawal for a student loan combined with my university fellowship being paid several weeks late made my balance fall to {$2300.00} when it should be {$2500.00}. The following day my fellowship was paid. They told me that they educated me about the minimum balance that I needed to keep at an earlier date. On that occasion, my credit card company debited this checking account twice for two statements, making my balance fall low the first time. Again, that first time was out of my control. I explained all of this to TD, and they refused to waive the fees completely. I am not ascribing blame to TD, but being a little bit flexible with when people are debited and credited should be standard when assessing fees. Having a balance {$150.00} under the minimum balance for less than 24 hours is not good practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to TransUnion and XXXX  about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.

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 2020-02-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am having a problem with a collection agency which has called family and friends as well as my employer and left harassing messages and threatening orders of location and arrest. I have no idea what this even means. These messages have been sent to my employer and resulted in my employer bringing it to my attention alarmed. The recording of one such call was transcribed by XXXX and is provided via our company email. 

I have no idea of this collection agency and have called them and asked them numerous times to stop calling family and friends and to definitely stop calling my employer, every time I reach out to the company they tell me that they can do whatever they want and can call whoever they want and there is nothing I can do to stop them because the law is on their side. The women I have spoken with have been abusive and rude on the phone and have repeatedly threatened me with arrest and having a sheriff come out to arrest me. I tell them to provide validation of the collection and they tell me they are the validation! 

I am reaching out to this agency to help me put an end to this behavior from this company and to get them to provide proof on the original account or to remove this collection from my consumer credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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:
Basis for the dispute : On XXXX Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On Transunion is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity 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 2019-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
my tenants XXXX XXXX and XXXX XXXX paid me a check for the rent which i deposited to JP Morgan chase bank on XX/XX/2019XXXX amount of the check is {$830.00} and {$240.00}. On XX/XX/2019 chase told me that the check was returned unpaid. chase did not credited my account the amount of check deposited. So i went back to my tenant to collect the unpaid rent, my tenant went to XXXX  XXXX XXXX to find out what happen and they said that they paid chase bank. until now we don '' t know were the money is. Iask chase, they don '' t have the money, my tenants ask XXXX  XXXX XXXX and they said they pay Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: United Shore Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We just refinanced with United Wholesale Mortgage and it has been nothing but a cluster of goofups on their behalf since the get-go. 

We have not even made the first payment and we have been insulted, ignored, and belittled by the employees/CSR 's of the company. From not having calls returned to being told that the statement they emailed and US mailed to me doesn't exist.

They sent me a statement dated XX/XX/2019, this was never received until I requested a statement in mid-June. They emailed it to me and like magic, it also showed up via US mail two days later. The letter, which they cant find, states that I am responsible for paying my property taxes. When I am escrowing them. Every call I make to resolve this matter, the clerk says I am escrowing the account, no one can find or explain the letter and no one is willing to provide a corrected letter/statement.

Company response to consumer: Closed with explanation