BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was informed by an agent by the name of XXXX XXXX with XXXX that in order to overturn a denial to my application for a lease on an apartment that was already approved, when my wife applied alone because their application didnt originally let me be added as her spouse, that i needed to pay an outstanding debt of {$150.00} to a debt collection company called TSI . She gave me the number in a text message as followed, Okay so from what the billing department stated was this : Please have them contact TSI at XXXX to pay the {$150.00} balance due on that account. Once this is paid, please email over the proof that the balance is paid in full and once received then I can get the approval to overturn the denial. so I called TSI and this debt is no longer active and closed and has no balance because it was a debt discharged with my bankruptcy in XX/XX/2016. The original debt was with an apartment community named XXXX in XXXX Texas and then sold to TSI in XX/XX/2016. Nonetheless, XXXX is stating they need some form of documentation from TSI that the balance was paid or at XXXX in which I asked TSI for but they are stating they can only fax such letter and it will take 3 days. This is an issue for me because this to begin with should not be reported by the consumer reporting company the leasing desk/real page, secondly Im being told to pay a debt I am not longer liable for because it was included in my bankruptcy. This is hindering from moving in to my apartment but its not even something I owe to begin with. So the leasing desk is repeating wrong and XXXX is reporting wrong and XXXX  is showing wrong that I still owe something I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To Whom It May Concern, This is my third attempt to resolve case number XXXX regarding my father the late XXXX XXXX XXXX XXXX 's sole savings account with Webster Bank. I have received letters from Webster Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( This correspondence included AN XXXX XXXX XXXX PHONE NUMBER FOR WEBSTER BANK ) i.e XXXX. 

The FRAUD TIMELINE : On XX/XX/XXXX XXXX XXXX, her church friends XXXX XXXX XXXX, Pastor XXXX XXXX ( Witnesess ) and her attorney completed a " Power Of Attorney '' by forging my father 's signature on the document for Power Of Attorney. This document was NEVER notarized or authorized by any court in the State Of Connecticut. The document that your bank accepted was not legally valid or legally enforceable! 

On XX/XX/XXXX XXXX XXXX 's attorney filed in Probate Court Case Number XXXX, a Decedent Estate State as Legal Representative under 4a-16, which was filed in the XXXX. Connecticut area NOT XXXX, Connecticut where my father actually resided. 

In Conclusion, XXXX XXXX committed fraud by filing and completing my father 's Probate in court, WHILE HE WAS STILL LIVING!!! He died on XX/XX/XXXX. Your bank did not do their due diligence to verify the validity of the submitted Power Of Attorney, especially since it was NOT notarized. Your incompetence and collusion makes your bank responsible for ALL of the fraudulent transactions after the date of the Power Of Attorney that you bank accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: IN
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:
agency has a wrong address for me and will not change it. no sure where they got the address but they say it was from a creditor i said your wrong i have never had this address. i was assured that they got that address from a creditor so i said get my address from a current creditor they say they can not because they don't have my correct address.you can see the circle here and for this reason they have reported no credit on me since XX/XX/2012 and even that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear, usually my payment due date is about XXXX of the month and its about {$420.00} and my principal and interest is about {$81000.00} for last four years Ive been paying It around XXXX of the month, but now It shows I owe {$82000.00} and I my minimum payment is {$0.00} and due date is XX/XX/XXXX, so I called the US Bank after 20 minuets they can not tell me why not the have clue but theyre telling me we can not get to account But It seems US bank added my payment to my balance and trying to pretend I need to not pay my payment and add more interest going forward I called them three times but Ive been asked to call later I hope is just a technical error but if not imaging how many customer out there that have same problem and Fraudulently charging you more interest by skipping a 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 2020-02-05
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, after Hurricane Irma, we were approved for a Disaster Loan Modification ; we continued with monthly payments. Few months after the modification, we called the bank to ask for the whereabouts of the modification funds, and we started receiving statements with threats of foreclosure. In XX/XX/XXXX, we sent packages with copies of the Disaster Loan Modification and payments made to Home Point and to the HUD   offices in Washington and XXXX. In XX/XX/XXXX, we submitted a claim to the CFPB ( Claim # XXXX ). Within 10 days, we received a letter from HUD determining that " Home Point Financial delayed in completing the Disaster Partial Claim option '', and that the credit would be corrected. We also sent the same package to the lawyers that initiated the foreclosure on the bank 's behalf. 

To this date, my credit report still displays over 150 days delinquency, and when we call the bank to request information about the reason why it hasn't been corrected, the bank representatives stated that there are no records or letters in our file. Not even the foreclosure! We decided to fix our credit ourselves but the credit bureaus are asking us for the letters from the bank with detailed explanation on the dates and reasoning for the reported delinquency. We can't find a person in that bank to provide us with this letter. We spoke with a supervisor in XX/XX/XXXX and provided him with the letters sent by the HUD and Home Point. No answer or call back.

They lied to the CFPB, to the HUD, and to us when they stated they would correct our credit by removing the delinquency that they generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I received my credit report and noticed multiple unauthorized inquiries on my 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 2021-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit  reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I deposited an IRS check in the amount of {$6800.00} to my checking account ending in XXXX. In error, the amount deposited was {$5800.00}. I discovered the error in contacted BBVA by email on XX/XX/XXXX. I received a reply email from XXXX XXXX stating that government issued checks are not eligible for mobile deposit and I could either go to a branch and deposit my check or mail it. Due to the fact that I live over 60 miles away from the nearest branch location and at the time transportation was an issue ; I mailed my check to BBVA Compass Vault Services XXXX XXXX XXXX XXXX Alabama XXXX. On XX/XX/XXXX I received a letter from BBVA stating that my dispute was received and the investigation determined that my disputed transaction was a correct transaction and or authorized. I never made a dispute on this account and the amount of the dispute was XXXX to XXXX. The account number listed was incorrect and when I researched the amount of the dispute along with the date there was never any transaction made in that amount with the merchant listed on my account ending in XXXX or the incorrect account number ending in XXXX. The notice I received was not my dispute nor the correct account. I am still waiting on my IRS check to deposit and it has been over thirty days. I find it very strange that I receive that dispute letter approximately around the time that my check was supposed to be deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: PERSIAN ACCEPTANCE CORP
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS VEHILE WAS TOTALED AND THE LOAN WAS PAID OFF BY INSURANCE, IT WAS NEVER LATE SHOULD NOT SHOW A BALANCE, AND SHOULD BE MARKED CURRENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yearly habit of not paying our home owners insurance from the escrow account. Letting our policy expired then threatening us with increased in mortguage payment and shorting our escrow account. XX/XX/19 HOMEOWNERS INSURANCE NOT PAID FROM ESCROW DESPITE receiving the bill from XXXX XXXX. This is a yearly occurance from this mortguage company Loan care out of XXXX XXXX.Please read below.

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 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, Equifax and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, Equifax and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/2022, I received a text saying that my request for a credit card had been approved from Bank Of America. I did not apply for a card so I called and was told that a card was applied for and that I would receive card within 14 days. I called and got that card cancelled. There was a XXXX dollar balance but whomever applied has all my info.

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 2022-08-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/10 I sent my sister XXXX XXXX {$1000.00} for rent. XXXX conf # XXXX. On XXXX My sister said she never received the XXXX. 
XXXX I called Wells Fargo to file a claim case # XXXX fir {$1000.00}. Wells Fargo told me to call XXXX and complain to the. I asked for XXXX 's phone number and they told me to pull it off XXXX. The number on XXXX was XXXX, ( SCAM number ) so I called XXXX and they had me go onto my Wells Fargo account to pull the money back. He walked me through the XXXX program which I downloaded. He had me fill out the form and said we would be getting the money backThey sent a wire transfer to XXXX XXXX and took {$1200.00} They scammed all my checking account money. 
I went to Wells Fargo and filed a Scam/Fraud case # XXXX The wire transaction case # is XXXX I am XXXX XXXX XXXX and live on Social Security XXXX I have no money to live on they took it all. Please help me. 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 2021-08-16
Company: Experian Information Solutions 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 am a XXXX military member on XXXX XXXX. I recently pulled my Experian report and noticed Experian is reporting an account inaccurately on my consumer report and have yet to remove the account, which is a violation of the FCRA section 611. I have sent Experian a dispute letter and i have disputed the inaccurate account online. Experian keeps saying it's verified without giving me any documentation on how the account was verified. I am the consumer, only i can verify the account. This inaccurate reporting of this account is ruining my reputation and might cause me to lose my security clearance with the United States XXXX, which i could lose my job.

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 2020-11-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I spoke to XXXX, account service manager XXXX today XX/XX/XXXX after I sent the earlier faxes we got cut off. Previous live calls= I spoke numerous times on phone since XX/XX/XXXX and faxes. when agent does not want TO HANDLE DISSCONNECTS OR PRETENDS CANT HEAR ME. I have paper trail and all supporting documents to prove my balance is correct. 
My account transferred from old account jot new account with issuance of new card number. Balance to date should be {$2500.00} as of XXXX XXXX, XXXX balance still states {$3100.00}. i sent payment investigation team consolidation and proof of payments. has not been corrected. 
There was a {$270.00} payment in XXXX applied internally from their other credit department - from citi rewards Mastercard which was then reversed in XX/XX/XXXX. It May play a hand in best buy/Citi accounting errors. 
There are missing payments. Wrong payments are listed on statements. 
Also when the account numbers changed form new card issuance the balance came over to the new card wrong, that is why there is a discrepancy between my balance and your balance ( per my call today with XXXX ). 
There was also a {$330.00} that is wrong in XX/XX/XXXX closing period statement there is an incorrect input on the wrong line under summary of account activity. The {$330.00} should not be purchases and should have been inputted under " previous balance '' line item. 
I need the account to be audited & corrected. 
i requested Best Buy to contact me by phone to discuss, it is impossible to reach someone that can help. 

closing period balance DATE Payments purchases adjustments new balance XX/XX/XXXX {$330.00} XX/XX/XXXX {$84.00} XXXX XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$84.00} $ - XXXX {$160.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$84.00} XXXX XXXX {$84.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$2600.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$0.00} XXXX XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$83.00} XXXX XXXX {$2600.00} {$2600.00} XX/XX/XXXX {$270.00} XXXX XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$360.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2300.00} payment reversal {$2300.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$140.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$240.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$180.00} XXXX XXXX {$2500.00} account number corrected XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from TransUnion that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from XXXX on XX/XX/XXXX, Account No XXXX and immediately put back on in XX/XX/XXXX I can not locate my TransUnion report for XX/XX/XXXX but the removal date was the same. Transunion showed that negative reporting began in XX/XX/XXXX to be removed in XX/XX/XXXX of last month.

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this Transunion has deleted all my favorable credit and left me with just XX/XX/XXXX. My  XXXX XXXX that I purchased in XX/XX/XXXX no longer shows and a few more that were updated in XX/XX/XXXX and were paid in full XXXX XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist 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