BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-04-11
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I received a text message from XXXX on sunday XX/XX/XXXX stating : Free Msg Fraud Dept : For your protection, a hold has been placed on your Barcklys-credit card. Please call XXXX.

when i called the number sounded legit.Then they ask for full credit card number. I did not enter it because i dont know where i placed the card.

I called Barclay 's directly and spoke to someone and they told me, there was no such thing of my card being placed on hold, and no note from their security team.

Scam/Phishing Alert!

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 2018-07-11
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.

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 2020-01-23
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myloancare.com took over as my mortgage servicer, and my automatic payment was turned off. I have had my mortgage for 10yrs and have never been late or missed a payment. So they have turned off my auto pay, then I have submitted payments online through their website, and the payments just never go through, I have done this at least 20x. You call the mortgage servicer and no one answers the phone. I have spent 15 hrs  trying to reach someone. This is clearly a scam creating fees for the mortgage servicer.

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 2023-08-07
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The company 's ( XXXX XXXX XXXX XXXX XXXX XXXX ) Wells Fargo bank account was used unauthorized and there were 3 cashed FORGED chek in the following dates ; 1. XX/XX/22 for XXXX, to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
2. XXXX for {$32000.00} XXXX  to the order of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX, This check XXXX for {$20000.00} to the order of XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX Ar. XXXX. 

The company didn't had a check book to issue all those checks, when we reported this to Wells Fargo, they didnt provide us with a solution since " time for claims had pass '' but when we requested a copy of the cashed checks, we notice that they were forged checks, had blurred numbers, wrong company name and address, forged signature, they didnt comply with any element of a valid check and even with that, those were cashed and Wells Fargo didnt provide any solution. 

The account is closed since no solution was provided by the bank. We have a XXXX XXXX report number.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2021-01-28
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: Account information incorrect

Complaint:
The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.

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 2023-08-07
Company: Marlette Funding, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The Best Egg company will not send me monthly statements. I have been paying early ( ahead of the due date ) the last two months in a row to get ahead and hopefully pay less interest. 

I'm concerned about the payment application ( s ) with Best Egg. Last month i paid on XX/XX/23 and of my {$250.00} payment. {$200.00} went to principal and {$41.00} went to interest. Whereas this month ( XXXX ) I paid on XX/XX/23 well ahead of the due date, and {$170.00} went to principal with {$78.00} going to interest. 

I would like for the company to send me a monthly statement via US Mail so i can closely monitor my account. Additionally, i would like for the company to review my account and payments applied and explain why i'm being charged more interest ; Especially if the interest is not yet due for the next corresponding month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners in Texas is attempting to collecting a debt. I am not the person that received the services. I asked to validate the debt and the representative refused. This morning ( XX/XX/23 ) I was alerted by XXXX that this debt posted to my personal credit file. 

This is the second time that Capio Partners has used this tactic by falsely contacting a credit reporting bureau to somehow strongarm me into paying them. It makes me wonder what other underhanded ways this company has tried to collect debts. I have disputed this with XXXX again, who removed it from my file the last time. Also, I have filed a complaint with the AG of TX and more than likely will file with the OH AG and the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a fraudulent charge. I would like the company/owner to prove that I was given the proper move in/move out due process. Signatures and dates on apartment paperwork will not match the proper parties involved. Forgery proven will make this debt a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
had a medical debt with dignity health for {$120.00}, finally paid it off but now progressive mgmt systems has damaged my credit score badly as i made payments to solve this debt as i paid the hospital directly instead of going thru progressive mgmt systems & is playing mean with me to damage my score maliciously due to the fact i didn't pay the debt to them but to the hospital!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Thank you guys for reading my complaint. On XXXX I sent a letter to all three major reporting Credit Bureaus . And I did not get a response from any Major reporting bureau. I was able to get one account closed on Equifax which was a charge off from a car which the car was wrongly taken from me through the finance company. And a charge off XXXX balance account from XXXX XXXX that was closed on my XXXX. I checked my status regarding the letter dispute I sent to XXXX, and XXXX has only documented that a dispute was filed on XXXX, and XX/XX/XXXX.The delivery date was XXXX for the letter I sent in the mail. I also disputed on XX/XX/2021 using XXXX XXXX, and the status of that is that account is still in review. The letter I sent to XXXX was sent on XXXX, and only one of the five accounts were removed. The other four accounts on that letter I asked XXXX to verify were not removed, and were not verified. And I did not receive a response from the bureau via mail, nor email, nor account update regarding the other four accounts. This dispute has lasted over 30 days, and I feel as if the only way this can be resolved outside of small claims court is to get those four accounts on my XXXX letter removed. Due to the Fair Credit Reporting Act. I have attached the original letters I sent to XXXX, and Equifax. And proof of the letters being sent off via US Mail. I also have attached screenshots of the one account that XXXX finished disputing, and the account its still working on. Also want to dispute Equifax for not removing any accounts except the that was placed as a charge off. I have also attached my non reponse letters I have sent to both credit bureaus via mail. Thank you guys so much for your help. I really appreciate it so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is not a know debt collection company to me and has been reported as fraudulent online. 

They have contacted me from multiple different phone numbers 5-10 times a day until XXXX. They are harassing me at this point and I have no clue who they are or what personal information they have. 

I have blocked 3 of the phone numbers to stop the repeated calls but they keep calling from different numbers that all say CBE group. 

This is now the 4th number they are calling from and will call once an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On or about XX/XX/2022, I spoke to an agent in the fraud department to let them know there were inquiries on my report that I did not recognize. The agent then told me I had to send in a letter saying exactly that, I informed the agent that I had already done that 3 weeks prior to my calling in, and she said she did not see any documentation of the letter in their system so I would have to send in another letter, no response was still given within the 30-day mark of my first letter that the agent said she still could not find. The agent still proceeded to tell me she could not report the inquiries as fraud or even begin an investigation without a letter. That is false, I was able to verify every security question pertaining to my identity and even had the exact names of the inquiries for her to move forward. The inquiries still remain on my consumer report and I have gotten denied credit from corporations pulling my consumer report through TransUnion, such as XXXX for an auto loan and XXXX XXXX XXXX XXXX for a secured credit card. This is highly affecting my family and our livelihood. I have disputed information online as well and received a notification stating that the investigation was done and they found the items that I disputed to be accurate. Transunion is solely responsible for choosing to display and release my personal information violating my consumer rights

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 2022-04-17
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair credit Act XXXX Account # XXXX h

as violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can n
ot furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage refinance with Wyndham Capital Mortgage. We completed all paperwork and submitted all requested documents. Wyndham Capital Mortgage ordered a title report as is common practice for mortgages. The title report showed our current mortgage and a partial deed of trust. Wyndham Capital Mortgage approved us for 2.87 % interest conventional loan. We signed closing documents on XX/XX/2021. The refinance was scheduled to close on XX/XX/2021 and fund on XX/XX/2021. We received an e-mail on XX/XX/2021 advising us that the refinance was closed and has been fully funded. We were under the impression that everything was complete. 
We received a call on XX/XX/2021 stating that the refinance did not close and there was an issue with the partial deed of trust and they " didn't know about it '', even though it was on the title report that Wyndham ordered. I was told to forward a copy of the partial deed of trust for review which we did immediately. We then received a call on XX/XX/2021 stating that we could not close the original refinance, but instead now we needed to get an FHA loan instead of a conventional because they couldn't get us approved, which includes starting completely over and now requiring an appraisal ( which costs more money ). We were then told we can refinance with a conventional loan like we were originally approved for if we paid {$12000.00} to get the same interest rate. 
I will never use Wyndham Capital Mortgage again and will always encourage others to never use them. Deceptive lending practices during a pandemic is beyond deplorable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Well this how it came about when I tried going to the PNC Bank on XXXX XXXX XXXX XXXX XXXX Indiana trying to open an account in which I was given a Smartaccess card ending in XXXX O.K. Then it wasn't even a month later I was able to create a account with three different accounts involved O.K. Then a check was written and  deposited into the new account number ending in XXXX O.K. Now the check was deposit and I got a receipt saying it would be available within a few days O.K. Now I went to the branch letting them know about the XX/XX/2019 deposit of {>= $1,000,000} on the card ending in XXXX. They ended up closing the account saying someone may been trying to get ahold of the funds without my consent they closed my account without giving me a reason. I have a copy of the check that was mailed to me with a message saying this is A LEGAL COPY of your check and could be use the same way but at the same time my account was closed without further response. I need some assistance with this matter would be great ly appreciate it when this is resolved. Check number XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I had issues with the account setup and the holds to make money available that takes so XXXX long to become available and the fact I cant go to an atm to deposit money to my account. it has caused so much XXXX XXXX with transfers and holds to available to my account and even paying my credit cards are late!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' 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

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