BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: Absolute Resolutions Corp.
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:
This company reported me in collections in XX/XX/2020. I am not aware of the amount owed nor am I familiar with the debt or company reporting on my credit. This is preventing me from qualifying for my VA Loan to make a home purchase as I intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I am trying to get a copy of my " Full Credit Disclosure ''. I am not trying to get a copy of my credit report, I am asking for a " Full Credit Disclosure ''. This includes my credit report and all notes put into my file by Equifax. Equifax is refusing to supply me with this and is telling me I must subpoena them for the information. This is completely ludicrous. The information I am requesting is all of the information that is in my personal file held by Equifax. This is my personal information and my personal file. Equifax refuses to supply me with a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
An continuance of fraudulent attempts of hard-pull inquiries of my 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 2020-05-18
Company: EQUIFAX, 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:
Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX  under another debt collector XXXX  ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX  XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is a discrepancy shown on the payment statement for my principal loan balance Wells Fargo Mortgage loan discrepancy : Total Principal per Borrowers records. {$360000.00} Total Principal owed per Wells Fargo {$360000.00} Discrepancy {$3100.00} I have rejected the Covid relief package when they disclosed the terms, I have paid all my payments and I am up to date. A silent second is showing on my statement and credit report. 

I have called Wells Fargo many times regarding the above and they have not corrected the above issues.

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 2020-08-30
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the account through the promotion of earn {$300.00} with a new virtual wallet with performance select. However, I still have not received the {$300.00} promotion. So I contacted the PNC Bank on XX/XX/20 regarding this issue. The representative ( XXXX XXXX. ) told me I just need to wait 90 days before the promotion credited to my account. After 90 days, however, still no credit. I contacted PNC again but this time was told I was not qualified for the promotion. The two representatives gave me different information and kept me waited months for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a deposit of {$6200.00} from unemployment on Tuesday at XXXX XXXX. Everything was fine that day. The next day which would be Wednesday around XXXX XXXX I sent {$5500.00} to my girlfriends cash app because she has a bank and I wanted the cash. After her receiving the money she notified me that it would be {$90.00} to instantly deposit to her bank so I changed my mind and she immediately sent it back. I dont know if it caused a red flag after that, but I was able to withdraw {$800.00} from a XXXX XXXX atm around XXXX XXXX  ( Wednesday ). And thats when my account got locked. I knew it was a daily withdraw limit but Ive been using the app long enough to know that you can still spend money online. Everything getting declined saying for my protection. Ive emailed multiple times and also created a XXXX account so I can XXXX them my problems. After about 2 days I reported my cash card missing thinking maybe if I get a new card Ill be able to access my funds but it wont even let me order a new card. Cant spend money cant send money cant transfer to a bank I just want it off of cash app because they had no apparent reason to freeze my account. Ive been hearing a lot of people having the same problem and my thing is I already sent and spent money why cant I access the rest? Ive had someone send me {$1.00} to see if I can receive money and I can. But when I try to send the {$1.00} back it says I dont have enough cash Still havent heard from anyone from cash app and Ive been hearing that they close accounts and people lose their money and arent able to get it back. Please help, I need my money to pay bills. I have unemployment I havent been able to work, I finally get paid the money I need to survive during this pandemic and cash app freezes my whole account, not allowing me to do anything with my money I am very frustrated because no one is helping me solve my issue they wont unfreeze my account and its been over 72 hours..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
In order of occurance : 1. I used a Chase credit card ( XXXX ) to place a deposit on a hotel in XXXX one year ago. {$660.00}. 
2. In XXXX, I closed that credit card account. 
3. In XXXX, the hotel canceled our reservation due to Covid-19. The hotel said they would refund the {$660.00} to our credit card used to make the reservation ( even though it was closed. ) 4. Chase Bank has not refunded our {$660.00}. 
5. I have contacted Chase Bank several times, and they are unwilling to look up the account to find why the money has not been refunded. They offer only a fax number to submit inquiries and say I will receive a response in 30 days. They offer excuses about staff cutbacks, etc. 

This lack of service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
History of theft : On the XX/XX/XXXX statement from our bank. We noticed three preauthorized withdrawals from our checking account issued to USAA. We have no relationship with your company. We contacted both our bank and USAA. The persons at USAA would provide no information or assistance as we are not members. 
My wife & I researched these withdrawals back through our old statements. We found that the first theft started on the statement of XX/XX/XXXX in the amount of {$180.00}. The second theft amount {$200.00} appeared on the statement of XX/XX/XXXX. The third theft amount {$150.00} appeared on the statement of XX/XX/XXXX. These thefts happened every month until we had to close our account on XX/XX/XXXX. 
We filed a police report with the XXXX XXXX Ga Sheriff dept # XXXX. I contacted USAA again on XX/XX/XXXX again to attempt to get assistance as additional withdrawal requests had been sent to our old account. Again no help from USAA. 
We learned from the Sheriffs Investigator that he was having difficulty getting information from USAA. On XX/XX/XXXX I spent 56 minutes on the phone attempting to get assistance from USAA, again no help. Finally on XX/XX/XXXX I was able to talk to a USAA Investigator named XXXX at extension # XXXX. He took the case information and my contact information. 
At no time did my wife or I give USAA consent to remove moneys from our account for any purpose. We have given USAA time and multiple notifications to correct this issue. 
We sought help from the Georgia Office of Insurance. We filed a complaint and after two weeks a USAA rep called us. We were advised again that USAA would not help us as we are not customers. The young lady advised us to take this issue up with our bank. We had done this at the beginning. 
On XX/XX/XXXX USAA sent a letter to the Insurance Commissioner stating that since we are not USAA insurance customers the Insurance Dept had no jurisdiction over this matter. 
As seniors we find this lack of responsibility shameful. We need assistance to recover these funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts Reason XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.

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 2018-03-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX says I owe them XXXX dollars. XXXX   sold/placed this " debt '' with a collection company called AFNI. AFNI placed this collection on my XXXX  credit report. I have sent 4 certified mail letters to AFNI regarding this collection and I have requested XXXX investigate twice. no luck ... I don't think they even bothered to check. according to the collection this account went delinquent in XX/XX/XXXX. I haven't lived in a state that had XXXX  service since XX/XX/XXXX. ALL THEY NEED TO DO IS LOOK AT THE NAME OF THE PERSON WHO PAID THE BILLS BETWEEN XX/XX/XXXX-XX/XX/XXXX ON THAT ACCOUNT and they would quickly realize it isn't me and they would know the responsible party. I did open a cox account when I lived in corporate housing for a couple of years and had the name of the account changed to Assaf at some point between XX/XX/XXXX-XX/XX/XXXX. The only address that I lived at was XXXX XXXX XXXX XXXX XXXX  OK XXXX and Im pretty sure that XXXX is saying I moved. So my point here is ... if the service were in my name wouldn't I have had to authorize moving it to a different address? even though obviously like I said before it shouldn't have been. THIS ISN'T MY BILL and I would have never let it go to collections if I had ANY idea it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXX, Experian and XX/XX/XXXX to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.

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 2020-08-30
Company: Trident Asset Management, L.L.C.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had several small credit cards. Unfortunately in 2018 I got into a huge financial bind and had to decide which bills to keep paying on and which bills to let go. I chose to pay rent utilities etc. And had to stop paying on my credit cards. A lot of these companies sold my account to another company yet they plus the new purchaser still reports to the credit bureaus with both the original account and the Company that bought the account. I believe this is illegal as two accounts of the same account can not be reported twice yet they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountain Land Collections is reporting a collection on my account and it is erroneous. I had previously checked my credit and noticed this debt reporting on my credit file. I called and immediately settle the debt with them. The gentleman on the phone said once my payment was received they would be removing the collection from my credit file. However, it's been a few months and it is still reporting. Not only that, this is a medical collection. I NEVER signed a HIPPA patient release form allowing Mountain Land Collections to report this debt and that is a violation under HIPPA. This needs to be removed immediately. The debt has been settled & it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Express Recovery Services, Inc.
State: UT
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:
XXXX XXXX - XXXX, XXXX is reporting erroneously on my credit file. When I first noticed this debt I called and paid it off. I have been monitoring my credit and noticed only one of the accounts has accurately reported the balance. I had tried to challenge these debts and have not received any responses. I called to ask if the account was settled or not as it was not reporting as paid and I found one of the accounts was not settled. I was furious when this happened because I called and settled both these debts MONTHS ago. On top of that I never received any calls, notices, or letters about this debt and this violates my 30 day right to dispute. I need these accounts removed ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Information belongs to someone else

Complaint:
I recently filed a complaint informing that I am a victim of Identity Theft. The credit bureau failed to block and remove ALL the items included in my last 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 2020-05-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to covid19 I asked for information on the wells Fargo forbearance process on my mortgage. I was told I would receive information by mail. 

When I received my letter I was told that I was eligible and to go online to confirm and cancel my automatic payments. Also it stated that if I didn't need the assistance no action was needed I could disregard and nothing more will be done. 

XX/XX/XXXX I noticed my payment didnt get drafted. Called XX/XX/XXXX. Was told I was in the forbearance program. I never requested this to be done, only asked for information. I requested that day and twice since requested but it has not processed to be removed from the program.

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 2018-03-30
Company: Experian Information Solutions 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:
I have sent multiple requests to Experian requesting proper validation of an XXXX XXXX XXXX  account in the amount of {$510.00} listed on my credit report. I have repeatedly told Experian that this debt is not valid and does not belong to me. Experian has blatantly ignored these requests. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.

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