BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 Collection agency did not provide information to validate the debt. The debt was disputed as not belonging to the me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One retaliated against me because I filed a complaint ( # XXXX ) about fees they were charging on a credit card that had been paid off. They took the fees off, but added a derogatory note to my credit report that the fees were paid under an emergency fund or something, that caused my score to drop 21 & 23 points within 24 hrs of XXXX XXXX- XXXX XXXX. This is inaccurate, unfair and I want this corrected immediately. I have worked hard to rebuild my credit after many trials and tribulations and I am not going to allow greedy, scheming corporations like Capital One get away with doing this. This is wrong! Who holds these people accountable for things like this????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Stuart-Lippman and Associates, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. I received an alert email from the credit institution this morning on XX/XX/2018. 
2. A collection agency suddenly put {$4800.00} on my credit report. I do not recognize this amount and did not receive any detailed information although I requested that they should send the the detailed one to the attorney.

3. When I was terminated by phone suddenly on XX/XX/2018, although there was no debt but {$1000.00} credit I could not receive my credit amount when terminated. 
After several month, the company forwarded the sudden debt to the collection agency, XXXX XXXX & XXXX XXXX without any notice. 
4. Please delete immediately the collection amount on my credit report. That's not my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : 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 2021-04-22
Company: Real Time Group, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently home school my daughter through an online virtual school. Wells Fargo repeatedly calls during school hours, despite my complaints that they're interrupting my daughter 's school day. This is the same as harassing someone at work. 

Wells Fargo is extremely rude and offensive. On XX/XX/18, they falsely accused me of abandoning the property, then told me that's the only " reality '' that exists when I tried to explain that was false. Attacking my perception of " reality '' is a highly abusive, manipulative tactic, even as absurd as they sound. 

This is a delicate, unfair situation of a divorce involving XXXX XXXX, XXXX XXXX, and a state child support system that is 47 weeks behind on my child support and household maintenance payments. Wells Fargo has been made aware of the statewide crisis in support payments. 

Wells Fargo has repeatedly told me that without my own job/income, they can't provide a workout plan, when the judge has ordered both child support and household maintenance due to being out of the workforce for 12 years, giving me the chance to return to school and/or obtain specialized career training. 

This is clearly discrimination against women. The home is in my name only, and I'm 22 years into a 30 year mortgage. There are no property disputes in the divorce.

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 2020-12-21
Company: Experian Information Solutions Inc.
State: NV
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/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the XXXX  Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted

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 2018-01-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I set up an ACH transfer from my XXXX XXXX XXXX account to my TD Bank checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX   regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until XXXX XX/XX/XXXX, but I did not get the funds posted in my account until the following day. Because of the funds were not in my TD bank account within the 2-3 days ; I receive four overdrafts fees from TD Bank. I explain to TD Bank several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX offered to speak to TD Bank directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but both TD Bank and XXXX XXXX refuse to resolve this matter As a consumer, I should not pay for any fees because this was a technical issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
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: Old information reappears or never goes away

Complaint:
Upon Review my credit files, it showed a false account from XXXX XXXX XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I looked at my credit report with my non profit financial counselor and saw an eviction that was settled in court back in 2016. I called Procollect on my own to try and get validation and understand what was happening. They refused to speak to me and told me I had to send all my personal information to fox@procollect.com. This sounded wrong to me so I called my financial counselor, XXXX XXXX with Family Service of XXXX XXXX. We scheduled and appointment and called the creditor together. She refused to speak on speaker phone or speak to my counselor even though she offered to let me give them permission to speak to her. She hung up on us. We researched XXXX XXXX and found the disposed case. I sent letters to the credit bureaus stating : Subcode XXXX Act Number XXXX Procollect is misreporting an apartment eviction. I have included the judgement from XXXX XXXX showing it was disposed and I had to pay court cost for {$110.00}. Procollect refused to speak to me or my non-profit financial counselor. They wanted me to email in all of my personal information to a fox@procollect.com.  The amount they are showing is {$4500.00}. 
I have reported them to the CFPB for professionalism and fraud. 
I attached all of the court documentation. How can a collector try to collect {$4500.00} when I only had to pay {$110.00}. These apartments have terrible reviews online and this is fraudulent behavior. This effects peoples lives and could make me not eligible for a job or to move into an apartment.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, i leased a vehicle with XXXX XXXX and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a XXXX XXXX at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.

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 2020-04-26
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There is a XXXX XXXX obligation that is reporting on my equifax credit report. This account is in violation of the FCRA for multiple inaccuracies. 1. open date is incorrect, 2. Date of last active is incorrect. 3 Date of last payment is incorrect, 4. Monthly payment is reflecting incorrect, ( ruining my debt to income ratio ) 5. The account is reporting like its a revolving account and shows 120 days late 19 times These are all direct violations of the FCRA for inaccuracies. But when disputed they come back as verified, they have ignored my request for method of verification. Also this account reports as though its an active revolving account but there was never an inquiry, nor ANY extension of credit. under section 604 of the FCRA this does not fall under permissible use. Lastly this matter is civil and NOT a breach of contract there for it should not even be on my credit file in the first place as it does not reflect my ability, stability and willingness to pay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.

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 2018-06-08
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage contract states that my cushion for my escrow is suppose to be XXXX and never to go above that amount. Freedom Mortgage refuses to abide by mortgage contract and service VA loan correctly. By failing to service the mortgage correctly Freedom Mortgage has set there own cushion amount at XXXX. This en turns allows them to raise the amount of my mortgage payment. I have told the mortgage company about this many times and showed them the violation in my contract. They still refuse to fix this issue.

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 2019-05-16
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 I made a {$400.00} cash deposit into my Suntrust checking account on XX/XX/2019 my account was frozen and scheduled to be closed. The last transaction on the account was a withdrawal of {$140.00} at the branch on XX/XX/2019. I contacted Suntrust I was advised that my account would be closed 5 business days after the last transaction posted on the account. The withdrawal posted on XX/XX/2019 the account should have been closed on XX/XX/2019. My account has yet to be closed and Suntrust has yet to send my funds to me. They are keeping my funds when the account should have already been closed. Every time I speak with the internal department I am receiving conflicting information. They are robbing me of funds that are due to me and If I do not get the funds I will be seeking legal counsel it has been over 14 business days and I have yet to receive my funds from my account. This is highway robbery and ridiculous that it takes this long for my cash funds that I deposited to be sent 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 2020-04-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Midland Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX ( Attorney for Midland Funding LLC ) to request validation of debts they claim I owe. $ XXXX $ XXXX {$3000.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They failed to provide me with validation, but they did respond to me with a default judgement for alleged account {$1000.00}, and a motion to set aside/vacate the default judgement has been filed and a court date set. And continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I was hospitalized XX/XX/2019... I could not pay my installments to Barclays Bank on a personal loan. Once I was ok I started making payments to catch up.. {$100.00}, {$100.00}, {$200.00}.. then a {$2000.00} payment. They sent me a receipt for the {$2000.00} payment but no balance on the loan due. I asked for a payment history and was denied. I asked about the payments made prior to {$2000.00} payment and they refused to discuss where they were other I did not make payments? I continued to request payment history and they refused.. I have requested copies of the cancelled check from my bank! Why can't I have access to my payment history! Finally they suggested I hire a lawyer?

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 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I backed XXXX company on XXXX for the amount of {$320.00} for an automated litterbox. They promised delivery to occur XX/XX/XXXX, but it's been well over a year now. The sellers have not responded to buyers or XXXX  and this is starting to look like a scam. They also haven't provided any useful updates. The last update, they said they re-sold our products to others to recoup some loss, but haven't provided buyers any timelines or if they will be able to deliver the product. I filed with my credit card company earlier this year and they denied my requests twice. I was scammed. I haven't received a product and the sellers violated XXXX 's terms and conditions. It's clearly a scam and my credit card company won't push through with a charge-back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 Re : The Money Source Legal Amoral Refinancing by Animalistic Criminals XXXX XXXX XXXX XXXX, NY XXXX Dear Madam/Sir, As a former homeless, but XXXX  % XXXX Veteran ( homeless  for 38 years ), and an unreported survivor of the XXXX XXXX, I never thought that the mortgage finance company that we were appointed ( rate 4.125 % ) would conduct business in such a animalistic and pernicious manner -- -making my paranoia speak vociferously within me ; shouting that the very same people I must trust with my mortgage concerns are simultaneously setting up their systemic discriminating snares to overcharge us and/or try to make me homeless  again. 
First, in the early portion of XX/XX/2020, my wife and I called The Money Source and paid our monthly mortgage payment in advance, because we needed to change our bank ( from XXXX to XXXX XXXX XXXX ). However, the inadequate business practices of The Money Source neglected to fulfill their responsibilities, which resulted in complications for us with our banking institution. Secondly, all the information communicated from The Money Source to us, during this pandemic have been continuously misleading, malicious and in a mendacious manner. 
Thirdly, after addressing The Money Source, with the CARES ACT, we were disregarded, disrespected and rejected, as well as them forcing their created documentation and fees on us. 
Nevertheless, we were told we did not have to pay mortgage until XX/XX/2020 by one of their phone receptionist, posted various balances on the website they have for us ( quite confusing ), no record of recorded phone calls, and poor representation in the likes of a XXXX ( so-called manager ), XXXX, and other members of their staff. The Money Sources insidious machinations of systemic discriminating have affected our budgeted fixed income, unwarranted stress, as well as, and especially placing obstaclespreventing us from the VA Interest Rate Reduction Refinance Loan. 
Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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've made several attempts to correct the issue with the three major credit bureaus. My complaints have fell on deaf ears. I've never had my complaints properly addressed and this is my last attempt trying to correct this issue and having this inaccurate information removed from my file before I seek legal remedies. 

The following items are a result of fraud and having my identity stolen : 1.XXXX XXXX  XXXX XXXX XXXX  2. XXXX XXXX 3.XXXX XXXX XXXX 4 . XXXX XXXX XXXX Ive included a certified police report copy of my ID and a bill that was requested to validate my request XXXX, Transunion and XXXX  have all failed in addressing my complaint.

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