BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
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: Was not notified of investigation status or results

Complaint:
Hello, I have recently attempted to contact XXXX, XXXX, and TransUnion. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt  number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

TransUnion : On XX/XX/XXXX I sent a letter to TransUnion asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a 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 explanation
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive been banking with Wells Fargo for two years.

Seems like money is being transferred and put on another shelf. Ive tried to look into this with bankers many times only to be told Im causing a scene when Im asking about it and threatened to have me removed from the building.

Ive noticed several things including purchases that come out same day and then come out a few days later as well. The actual day of purchase is then removed and covered up.

I have record of them charging me over {$1000.00} for purchasing a sheet of checks.

I have purchases for apps I dont use.

Many times Ill notice previous places Ive gone to and purchases seem to revolve. 

I closed my other account recently due to insurance payments getting doubled and taken out on a reaccuring state. Its draining my account. 

I just caught them and disputed the charge successfully. But was not credited the late fee assessed. 

On my last web account the dispute button was disabled so I had to walk into the store. The bankers dont fix the errors. 
My phones being managed. While making this report I had to change my password just to re log in and make another dispute. 

When I consider the big picture it doesnt seem like the totals are accurate. Money coming in and money going out are offset. I received a loan and part of the money was transferred from my business account. Its hard to keep track of the details this way. 

Please see attached some specific details and evidence ...

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 2019-02-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 probles that I an hoping to get resolved. 
1. It appears that I was entitled to a recission of a mortgage that XXXX had with wells fargo, but I was never properly notified. they notified me well after I paid off the mortgage. I believe that I should be entitled to all the interest that I paid during that time. 
2. while an emploee of wells fargo-they were monitoring both my personal accounts and business accounts.

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 2018-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I previous wrote Equifax in regards to an item ( Bankrupty caseXXXX ) on my credit report. To this date they have never replied to my complaint and the item remains on my report showing as " In dispute '' .. its been like that for more than 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This case is a charge for medical services resulting from a traffic accident on XX/XX/2018 so these medical expenses entered into a dispute between the insurance companies and my lawyer so that until I had the entire case resolved my lawyer had not made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Village Capital & Investment LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my doorbell camera filmed a man taping a notice to my door to contact my mortgage company Village Capital urgently! So I did, and I was told that my XX/XX/XXXX payment had not been received. My payment is automatically drafted from my checking account on the XXXX of each month, and I have a monthly statement from Village Capital showing that my payment had in fact been received on XX/XX/XXXX. 
After being put on lengthy holds and speaking with numerous frontline representatives about this, I was finally able to speak with Supervisor XXXX XXXX who informed me that my Original Loan Amount of {$350000.00} was incorrect and that the Loan Amount was being changed to {$350000.00}. The Loan History that I am including shows the loan starting over a year ago with the amount of {$350000.00}. Thirteen timely loan payments have been made since then. The Loan History also shows that on XX/XX/XXXX that {$540.00} was added to my Principal. 
XXXX XXXX informed me that an audit was done and that my original loan amount should have been {$350000.00}. He had the loan department send me a Closing Disclosure with that amount on it dated XX/XX/XXXX. I've sent Village Capital 's loan department a Corrected Closing Disclosure that was e-signed on XX/XX/XXXX prior to the Loan Funding on XX/XX/XXXX with the dollar amount of {$350000.00} that the loan began with. 
While I have spoken with Supervisor XXXX XXXX on numerous occasions, he has informed me that he can not make any changes on my account and that I would have to speak with someone in the Loan or Loss Mitigation Department. He tells me that he has sent numerous emails ( 5 ) to that department for someone to call me and discuss this error with me, but as of today XX/XX/XXXX No one has called me! Supervisor XXXX XXXX tells me it's out of his hands and that he can not understand why nobody has contacted me from the Loan/Loss Mitigation Department XXXX 
If I could talk with someone from that Department, I would let them know that the reason for the Corrected Closing Disclosure was that the original Homeowners Insurance was quoted too high in the amount of {$220.00} a month and that it was corrected to {$110.00} per month, a difference of {$530.00} which is ironically almost identical to the amount they have increased my principal by ( {$540.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a package of new checks today, XX/XX/2021. Someone used my address and name to open and TD Bank checking account. The phone number used is XXXX. I do not have ANY account with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I need to apply to stop payment temporarily because of loss of income. I filled out and submitted an application and they do not acknowledge that I can not make payments as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions 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:
XX/XX/XXXX ANDXX/XX/XXXX EXPERIAN WAS INFORMED THAT I AM A VICTIM OF IDENTITY THEFT AND XXXX IN THE AMOUNT OF {$420.00} WAS NOT MINE AND SHOULD BE REMOVED. EXPERIAN WAS SENT SUPPORTING DOCUMENTS BUT DECIDED TO SEND STALL LETTERS INSTEAD OF ADDRESSING THE PROBLEM. EXPERIAN CONTINUES TO REPORT ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. XXXX CANT VERIFY PROVIDE SUPPORTING DOCUMENTATIONS SUCH AS A CONTRACT BEARING MY SIGNATURE. I HAVE NO DEALINGS WITH XXXX OR THE COMPANY XXXX THAT IT REPRESENTS. EXPERIAN IS IN COMPLETE VIOLATION. THERE IS NO CONTRACT PLUS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT!! HOW IN THE XXXX   IS IT STILL BEING REPORTED WITH NO CONTRACT AND OBLIGATION BETWEEN THESE COMPANIES AND I.

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 2021-12-08
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control LLC has sent me a collection letter for a debt that I do not owe. It even says on the letter that the age of the debt makes it non suable and not reported to the credit agencies. The issue is that it has been reported to the credit agencies and I do not owe this debt. 

My identity was stolen years ago and I have worked hard to have excellent credit. I do not want this on my record.

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 2022-08-10
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company ran my credit and redirected me to multiple sites having me re enter my information. Now my credit has been compromised and there are many accounts opened using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: GOLDMAN SACHS BANK USA
State: CA
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:
During the month of XX/XX/XXXX I signed up for XXXX  Try then Buy program which allows users to try on a product for free and return it if they choose not to purchase it. I ordered a pair of XXXX glasses and returned them to a XXXX  store because I didnt like the style. 3 months later XXXX charged me because they said they never received the glasses. This was a lie because I 100 % did return them, so I contacted my credit card company ( Apple Goldman Sachs ) and filed a dispute with XXXX. My credit card company told me that I lost the dispute and I would be charged for the full amount of the glasses. I took the loss and paid because there was nothing more I could due. Flash forward to XX/XX/XXXX, I receive an email from XXXX stating they actually sent the money back to my credit card provider and accepted the chargeback. The XXXX representative informed me that my credit card double dipped because they received the refund from XXXX AND charged me as well. I have tried contacting my credit card company but they do not respond. I have email proof from XXXX XXXX XXXX with order ID # and refund ID # s proving they refunded my credit card company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a letter to all three credit bureaus to have the debt from Phoenix Financial Services, LLC to be verified. I do not know where the debt is from, and I understand i have the right to have any debt reported verified. I did receive this letter dated XX/XX/2021 from them stating the were unable to obtain the verification, and will remove it from the credit bureaus and from my credit report. I don't know where this debt is from, and how do I know it is mine?! However, it is still reporting, and till this day the debt has not been verified. I tried to follow up on this, and the only response I'm getting is from collection companies trying to get me to pay them. I don't know where this is from, and it it misleading. This is causing me so much XXXX, and XXXX. Please help me get this resolved. they said they couldn't validate the debt, so how can they still try to collect this debt. Please help me get them to stop trying to charge me something they cant verify is mine, and please help me get them to remove it from my credit as they stated they would. thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im really disappointed! I pulled my credit report ant I see no changes! I sent you complaints before that I have no idea where these accounts came from! Im sure that someone hacked my personal information

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 2021-02-17
Company: Bridgecrest Acceptance Corporation
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-01-18
Company: U.S. BANCORP
State: GA
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:
CASE NUMBER : XXXX XXXX  Cardmember service representative I received a letter from XXXX and it is questioning whether I want to continue with reversing the fraudulent charges made on my card. My answer is yes. I did not make any of these charges : XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX Auth : XXXX  Payments {$19.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XX/XX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX Pmts XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXXUsps.com Postal Store XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$8.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$29.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$12.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXXl Wa {$7.00} XX/XX/XXXXXXXX XXXX Pmts XXXX Wa {$8.00}XX/XX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$99.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$260.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$590.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/XXXX XXXX  XXXX Ny {$160.00} That is my final answer. You should be ashamed making me wait for my money this long.

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 2018-01-18
Company: U.S. BANCORP
State: GA
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 did not make this purchase : XXXX/XXXX/XXXX XXXX  XXXX XXXX {$190.00} I did n't make any of these either : XXXX/XXXX/XXXX Auth : XXXX Payments {$19.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$120.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$110.00} XXXX/XXXX/XXXX XXXX XXXX XXXX Ca {$59.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$730.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$29.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$12.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00} XXXX/XXXX/XXXX XXXX XXXX XXXX  {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$590.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XXXX/XXXX/XXXX XXXX XXXX Ny {$160.00} I did n't. I do n't know who did. I have n't done any business or received anything from them. I figure my card was stolen and I reported that months ago. I have no choice but to continue complaining until the situation is totally resolved.

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 2018-06-05
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company via certified mail and have received no response. I would like this company to remove collections reports from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$480.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$1800.00} Date Opened : 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 non-monetary relief