BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had fraud on my XXXX XXXX XXXX XXXX. I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. I even provided police report showing my car was broken into and my card was stolen, I have confirmed fraud and they are still trying to hold me responsible for confirmed fraudulent charges.

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 2019-04-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is on a refinance Mortgage that I did not give consent to be on.Mu ex wife XXXX did not turn in her quick claim deed and I have been remarried for 23 years now.My wife ( as of today ) which is XXXX XXXX, we are unable to get a house in my name because of this problem.I need this removed from my credit as soon as possible unless someone is going to be in a lot of trouble with a law suit on their hands.It is very important that this matter is cleared immediately.Thanks in advance. XXXX ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loancare a XXXX company, have failed to pay my property taxes on my impound account. I contacted them back in XX/XX/XXXX, no resolution as of today.

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 2021-10-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a barclay statement on XX/XX/21. There was a charge for {$12.00} on XX/XX/21. I called barclay that same day on XXXX ( the number on the statement ). I was transferred to a relationship specialist and was asked for my password. I told them I didn't know. They said there was nothing they could do despite me telling them someone was using my card. I asked to speak with the manager. I was transferred to the manager who said she couldn't access my account because I didn't know my password. She said she would transfer me to security. I was on hold for roughly 50 minutes. I found another number on the back of my card XXXX. I called and spoke to a relationship specialist. I gave them an old password to see if that was a possibility as I do not remember my verbal password. They said it was not. I explained the situation of how I don't know the password and someone was using my card. I was put on hold for roughly 20 minutes and then the phone hung up on me. I called the XXXX number again. I again explained the situation and she said she would stay on the phone with me while I was waiting for the security department. I waited roughly 70 minutes and hung up because no one was answering the phone. I called the XXXX again and tried two other passwords ( one of which is my online password. I do have access to my online account ).. Neither password was correct. They said they were going to transfer me to security. I told them I want to place a complaint. She said she would stay on the phone with me until I was connected to the complaint department. Instead, she transferred me back to the main menu for their automated telephone system.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-11
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Ballybunion Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is trying to collect a debt that is a result of identity theft that belongs to an address that Ive never lived at. Ive lived at the same address for XXXX  years. This account is false and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-10-28
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In the beginning of XXXX I got an offer to apply for an Exxon Mobil Smart card and receive a savings of {$0.00} off per gallon of gas every time I fill up for the first 2 months, as long as I pay with the card linked through the Exxon app. I received the card on XX/XX/21 and linked it to my app. I then filled my tank using the card linked through the app as payment. The price of gas at the pump was {$3.00}. Using this payment method my cost per gallon was {$3.00} This was a savings of only {$0.00} and not the advertised savings of {$0.00} per gallon. I have emailed the company about this and gotten no response. I am linking a screenshot of this offer which can be found at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Prosper Marketplace, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a loan through Prosper marketplace for {$19000.00} for debt consolidation and was making regular payments while I was working up until the pandemic hit where I was trying to negotiate with them to lower the payments because the payments were too high being {$650.00} and I was no longer working. I spoke to one of the reps and they said that they could not lower the payments but after the loan was past due I could take a settlement and get on a new payment plan where the payments would be lower but I paid the settlement and the total that was owed on the portal site did not go down for the {$12000.00} when I signed the settlement to pay half of that amount by making 3 payments one of which was {$5000.00} and {$680.00} and another payment of {$330.00} to pay what was in the settlement agreement. I looked on the site and my credit report and they are reporting that I owe the full {$19000.00} which tanked my credit XXXX points and I asked them to explain to me why if I made the payment on the settlement are you not changing the balance on the site from the {$12000.00} to reflect what has been paid. I get the runaround and nothing changes. 
I need to get this straight so that my credit is not ruined because they are reporting incorrect information to the credit bureaus. The interest as of now is still going up on the amount owed and I am being reported as delinquent. I called and spoke to several reps the managers the collections department and I am getting nowhere and I need the resolved ASAP!

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 2017-06-30
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLLECTION ACOUNT POSTED ON MY CONSUMER REPORT, VALIDITY OF THE COLLECTION ACCOUNT. I NEVER SIGNED A CONTRACT WITH CREDENCE RESOURCE MANAGEMENT NEITHER HAVE I DONE ANY BUSINESS WITH THEM. NEITHER HAVE I SIGNED ANY CONTRACT WITH XXXX XXXX XXXX. I DO NOT OWE THIS DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted them several times concerning this matter and they keep stating that they have updated the information but they only keep changing the dates on my credit file. i have requested the public records bankruptcy be removed. the credit reporting agency has not removed this incorrect information reporting on 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 non-monetary relief
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: HI
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 credit card with XXXX/XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX/XXXX XXXX  XXXX with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2021-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I would like to make a complaint against the Equifax. I really think this credit reporting company has a huge issue with my credit score being in the excellent category. I mean every time my score goes up, Equifax always manages to knock it down drastically. Can you please investigate Equifax as to why my score dropped 54 points? I mean they have the same data as XXXX does but they felt the need to drop my score by a great deal of points. No explanation was given. As an American consumer I have a right to know why Equifax has damaged my credit. I really need some answers. Please investigate them, I feel its about race.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2022-09-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-10
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX - THE MONEY SOURCE wrote me a letter on XX/XX/22 saying that the insurance coverage they ordered on behalf of my property at XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX has been cancelled. They requested that my insurance agent provide proof of insurance. Then they followed up with another letter requesting me to provide proof of hazard insurance. Because my insurance was impounded with my mortgage. I contacted my insurance company - XXXX XXXX XXXX XXXX. Both of us got on the phone with XXXX. During the phone conversation, we found out that XXXX mistakenly sent the insurance payment for XXXX XXXX XXXX to the wrong property XXXX XXXX XXXX. As we were researching on this, we found another error that the previous payment was made to yet another wrong property- XXXX XXXX XXXX st. XXXX XXXX CA XXXX. 
At this point, the operator we were speaking to hung up. We couldn't figure out how this company carelessly picked up these other properties which belonged to me but was with other Lenders and was making insurance payments on them instead of the XXXX property they were supposed to make payment on. 

Later on I found out that instead of correcting their error they put the overage on me. 

I have called them and informed them to correct their error. Contact the lenders of the properties they mistakenly paid my insurance to by error and fix their mistake instead of trying to make me responsible for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX with GAP coverage. I refinanced the vehicle to another lending company due customer support issues with BoA. I have not received a refund for this GAP coverage and the dealer & lender are giving me the run around. This GAP coverage needs to be refunded as the timeframe to legally process these refunds has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 {$600.00} was sent through XXXX  to the email XXXX with XXXX name : XXXX. Money was sent due to a hacked XXXX account of my friend 's. Actual friend did not receive any money from this transaction due to fraud account. My bank is Chase Bank, XXXX XXXX XXXX, XXXX XXXX. I called the number behind my chase debit card ( XXXX ) and also had the teller at chase call for me. They said they could not give me back my money due to my initiation of the transaction. They said XXXX is a third party and they have no way of receiving back the money. The call that my chase teller was on said that because I was willing to send the money they can not help me and that they don't deal with scams. Only action that is being taken is an investigation of XXXXXXXX XXXX XXXX account.

Company response to consumer: Closed with explanation