BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Capital Management Services, LP
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a traditional XXXX account for over 40 years. There is no balance on this account. 
I started to receive a bill for a XXXX XXXX XXXX XXXX account for approximately XXXX in XX/XX/2016. 
I have never opened this account or charged anything on it. I do not have this credit card. When I called XXXX they had no record of the account and I was advised to call XXXX XXXX who also said they have no such account. 
No one was able to give me any explanation nor could they cancel something they had no record of. However I have continued to be billed for this. 
Any help would be greatly appreciated.

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 2017-08-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.

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 2022-10-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a call at XXXX XXXX  on XX/XX/XXXX from the collection department at Comenity Bank for my XXXX account. I am aware of the debt. I had not received a statement, nor the actual card for this account, which I explained to them in XXXX after they first called me. I have since received a copy of a statement and have set up a payment online. I told the person this when they called on XX/XX/XXXX. I also stated they are breaking the law contacting me at XXXX XXXX. The collector stated, well its XXXX where Im at, so are you saying you dont want to be contacted? I again said, you are breaking the law contacting me at XXXXXXXX XXXX  The person apparently thinks its okay to call before XXXX XXXX, which is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
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:
hippa violation sent police report taking more than 30 dats

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 2021-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive sent letters with identification such as social security and if. Informing equifax that I want a copy of my credit report. Still equifax has neglected to provide me with the copy. I even reached out to you guys confirmation # XXXX equifax lied stating that an unauthorized person was trying to access my account this is appalling and untrue and I will be escalating my complaint against this agency. Im once again requesting that equifax send a copy of my report per my authorization. Ive attached copies of identification as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Capital One credit report that reported a late in 2018. I disputed it with them and the credit bureaus and they all changed everything incorrectly. XXXX actually deleted the entire account from my credit report at all. XXXX actually deleted as well and when I told them the account was still active, they pulled it back up with showing one late on XX/XX/2018. XXXX verified and said there is a late on XX/XX/18. All bureaus are completely inaccurate. Capital One keeps giving different information and now all bureaus are reporting differently and no one has been any help in getting this corrected. I just want this late removed as everyone is incorrect and this has taken a ton of time spent trying to get inaccurate information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, 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 2019-08-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking and money market account with TD bank on XX/XX/2019. I wrote them a $XXXX check from my old checking account (XXXX XXXX) the same day to start up my checking account. $XXXX went to my money market fund and $XXXX to my checking account. This is the ONLY MONEY THAT WAS POSTED TO MY ACCOUNT AS OF XX/XX/2019.  I had another $XXXX to be that was transfer to my checking account to TD bank. I called and asked them WHY they are NOT giving credit to my account.  I also received a letter from TD bank TODAY (date on letter is XX/XX/2019 saying it would be 6 days for me to receive my money.  It has been 8 days as of today. When I talked to them, they gave me a poor excuse for an answer. They claimed that my old bank could try and collect my money back but I explained to them that I closed down my accounts with XXXX XXXX 4 DAYS AGO.  I told TD bank, YOU HAVE MY MONEY AND WILL NOT GIVE MY MONEY TO ME. They had no response to that . I told them I was going to file a report with CFPB and that you have helped my in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repeatedly requested to delete this information as it did not originate from me! 
Requests were sent to XXXX, XXXX XXXX Transunion without response.

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 2018-02-26
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, XXXX Loancare paid the wrong parcel id number from my escrow account. The amount they paid was double what my property tax payment should have been, leaving me with a shortage in my escrow account. On or around XX/XX/XXXX I called Loancare to let them know that I received a delinquent notice from the county because my taxes were not paid. I also uploaded the delinquency notice to their website, as they told me to do. I was told I would hear back within 7 days, but I didn't so I called again on or around XX/XX/XXXX. I was told that the delinquency notice was showing up in the system, and again that I would hear back within the next 7 days. I received no call, so I called again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. Each time I explained that my payment has increased due to the " shortage '' in my escrow account, and that making the additional payment is a hardship for me. I have been advised 3 times that my issue has been escalated, and that I would receive a call back within XXXX hours, and I have only once received a call back to inform me that the tax department was reviewing and would get back to me ... which they never did. When I called again today, I was told they still have not corrected this issue. Now, my XXXX payment with the additional escrow payment is due in a couple of days, and there is still no resolution, which is very stressful.

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 2019-10-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following fraudulent accounts keep reappearing on my Equifax credit report : XXXX XXXX, {$1100.00} account was opened on XX/XX/2015 and XXXX XXXX XXXX, {$2600.00}. The fraudulent accounts has been deleted numerous times from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On Sunday XX/XX/2020 I went to a Bank Of America ATM to withdraw some money from my Bank Of America ( Nevada Unemployment Insurance Debit Card ), when I tried to withdraw the money it showed me that I only have a balance of {$3.00}. Which was odd because I should have had a balance of {$730.00} on my debit card. I went online to check recent activity and it showed me that on XX/XX/2020 an ATM cash withdrawal occurred at XXXX XXXX Bank. Two transactions happened at that ATM. The first charge was a XXXX XXXX ATM cash withdrawal domestic fee, which was {$1.00}. Following that charge, {$730.00} was taken out of my debit card via XXXX XXXX ATM cash withdrawal. I did not withdraw any of that money, nor gave access to my account to anyone. I have become a victim of fraud. 

After I saw those unauthorized transactions I proceeded to call Bank Of America ( On XX/XX/2020 ), here is their phone number XXXX ( XXXX XXXX XXXX. Every time I called Bank Of America I was meet with a customer representative, I was told that I needed to talk to the claims department. I was then transferred to the claims department. After being on hold for 2-3 two hours, an automated voice told me that the machine is full and I could not leave a message then it proceeded to hang up. I tried the same thing again the following days ( XXXX XX/XX/2020 ) and the same thing happened, and every one of those days I was on hold for 2-3 hours. After that, I tried a different approach. On XX/XX/2020 I called the same number again and asked to speak to the customer service supervisor, so he could transfer me to the claim department instead. After waiting for around 45 minutes I finally spoke to someone. The customer service supervisor claimed that he would send an email out for the claim department to give me a call within the next 24 hours. After waiting for more than the 24 hour period I did not receive any calls. So I called again ( XX/XX/2020 ) and spoke to another customer service supervisor he also claimed that he would send an email to the claims department and they would follow up with me within 24 hours. So I patiently waited and I heard nothing from them. Today XX/XX/2020 I tried calling Bank Of America from my phone and they blocked my number linked to my account so I could not reach customer service. 

I have been working for over 40 years and I never applied for unemployment. But unfortunately, due to covid, I was laid off. Now since I'm a victim of fraud I don't have any money to feed my children. That was the only source of income I have.

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 2021-02-25
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During closing, I notified the mortgage servicer that I felt that the escrow amount was not considered reasonable, as their estimate of taxes did not accurately reflect the tax law in my region/city. They requested a much higher escrow amount. I then attempted to have them review their escrow analysis multiple times, to no avail. 

Now, there has been a large disbursement ( it seems ) from escrow but there has been no notification or no log of such disbursement. When I view how much is in escrow, the amount decreased by $ XXXX with no notification of where my money went. When I log-in to review escrow documents, I see documents associated with Insurance, tax, PMI disbursements, but there is no log of this $ XXXX disbursement. I am not sure how much my escrow actually dropped because there is no backup available to me. I have waited over a week just in case it was a delay on their side, but still nothing. I wouldn't have known this amount was disbursed unless. I was notified that my mortgage servicer was going to transition to another mortgage servicer within the next week and I am extremely worried that I will lose any and all visibility to this $ XXXX escrow disbursement. 

I have now called 5 times over the past 2 months and can get no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, INC.
State: MI
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 began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$1800.00}, {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} XXXX -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: AR Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently the debt collection agency AR Resources reported a collect account in the amount of {$1400.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted AR Resources in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such AR Resources continues to report negatively impacting information to my credit profile. When contacting AR Resources via the phone in XX/XX/2020 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to AR Resources. As of XX/XX/20 AR Resources has not validated the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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 submitted payment to resolve a debt and specifically stated that if the check was cashed, XXXX XXXX had to remove Collection status off of my credit report. XXXX cashed the check and when I submitted the letter to Experian including proof of a cashed check, Experian still refused to reclassify the debt as " paid in full ''.

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to Trans Union demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
1. XXXX XXXX XXXX. 
2. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must be removed immediately.

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 2020-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has multiple violations 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. And Im now at risk of financial harms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation