BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
As relief from the Country Wide loan fiasco. Bank of America purchased the 2 loans and placed me on an interest only loan. I applied for a modification in 2009. It was completed and I was placed on a step rate loan. ( fixed rate ) the HELOC was sold and the first modified. 
After 2 years amount increased per schedule, BUT was to cap at 4.5 %. Loan continues to increase. Nothing going to principal. B of A changed the loan to a jumbo Arm loan. I did not agree to another interest only loan. No other lender will touch it. Now Im upside down on the loan. I am stuck with 2 loans. I applied for a modification/ denied. Did not qualify. How is this helping me?. I was told by B of A to do a short sale. I have never been late or missed s payment since 2009! I dont want to sell. I have made multiple improvements, upgrades landscaping etc. XXXX XXXX a month is ridiculous. If I could afford that amount I certainly would not live here. Id live closer to 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 2022-01-07
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
Has no knowledge of this account and belief it to have been opened fraudulently He has contacted your company on multiple occasions demanding a request for deletion of the account be sent to the credit reporting agencies for which your company is reporting Again, my client has no knowledge of this person or address and therefore did not give consent to open an account with your company nor is he aware of this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Around XX/XX/2020 i XXXX XXXX XXXX opened a credit card account online with capital one bank and capital one approved me for a secured credit card and which i was excited to start my credit over again so at that time i sent capital one my security deposit for XXXX online then i got a letter from capital one bank on the XX/XX/2020 telling me that they need to talk to me about possibly fruad so i contacted them about their concerns and i also corporated with capital one bank giving them all the identifying information needed to get the restriction lifted twice first time they ask me for identification card pge bill and social card and i sent those to them and they confirm they received those items but them they stated to me that could not clear my id cause it was to knew and to call them back in a week i did that patiently waiting on capital one in the mist of all this iam dealing with XXXX and needing to use the card so i can get my medicine because i dont have enough cause i put the money into this account i am so XXXX  and iam asking that they please lift this and pay for my medicine that is XXXX because i should never been put threw this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a leather 3 piece leather coach, loveseat and lazy boy from HHGregg in XXXX of XXXX. When I received the furniture the coach had a hole in the back and HHGregg had a repair company to call me and I scheduled an appointment. I took off work for the appointment and no one showed up to later find out that HHGregg had shutdown. I keep trying to contact someone and was unable to contact anyone at HHGregg. In XXXX of XXXX HHGregg added {$2400.00} on my bill for deferred interest. I contacted synchrony bank whom handles the payments and filed a complaint. I should not owe anything for a damaged living-room set that they never repaired. It was very unprofessional to have a company schedule me an appointment and no one called to say that they would not be coming out because HHGregg went out of business.

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 2019-10-24
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently acquired a new credit report with some strange company named Midwest Recovery Systems on my credit file. I have no clue what this is, who this and why it is on my report. I looked up Midwest Recovery Systems and enjoyed reading about this company. According to the XXXX, they have over 875 consumer complaints regarding falsification of documents and attempted collection tactics. I also discovered numerous lawsuits that they concurred by attaching a collection account to a consumer that does not belong to that consumer. Peculiar enough, sounds like a familiar situation. I even found a small community, that is going through or dealt with these thieves in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Equitable Acceptance Corp
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Equitable acceptance called me just about two years ago and informed me that the only way for me to lower my payment option on my loan was to go through a company that services loans. After several misleading questions they managed to make me believe that I was unable to lower my monthly payments without their services. I agreed since they informed me that it would be a third of what I was currently paying. Come to find out I didn't need their services to lower my payment and they scammed me into paying them more than what I'm paying towards my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have TD bank, my soon to be ex emptied my account many times over.Her and I went in to TD Bank and I got her off my account. She apparently went back in later in the week and got her own account with a overdraft on my account without me knowing or my permission.She was taking {$1000.00} a week and I kept asking TD bank about it but they said they could not tell me where my money is because I am not on whoever 's account it is.I said close it but they said the other person who has that account has to. She stole $ XXXX {$60000.00} from me and TD did nothing for me. I need help bad, thank you and have a great day. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-12
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Superlative RM also under as XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report that I owe {$420.00} for ( Account # XXXX ) Reference # XXXX. I have sent a letter back in XX/XX/XXXX and received a letter back with a copy of a one sheet account summary on XX/XX/XXXX. This is not proving that I owe the alleged amount that you are reporting one my credit. I sent another letter and /I didn't receive a response. Then I sent another letter XX/XX/XXXX and you received the letter XX/XX/XXXX stated that you failed to verify that I owe the alleged debt. Verification is a signed company of contact with my signature that I agreed to pay the above above. I have not received anything since the last letter sent providing proof that I owe the debt that you are stating that I owe. This is against the law to report incorrect information on my credit report. THE CFPB is authorized to investigate this matter and received related information. I promptly request deletion of the alleged debt above from all 3 major credit bureaus. Failure to comply to this request is against the law and I will be forced to turn this matter ever to an attorney. See enclosed copy of certified mail receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX XXXX Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-02-15
Company: Experian Information Solutions 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021

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 2017-09-25
Company: PARKS TITLE COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Cfpb # XXXX XXXX From my complaint filedXX/XX/XXXXXXXX XXXX stated that yes we conducted the sale transaction at XXXX XXXX XXXX. In XXXX XXXX XXXX response you said previous claim was denied and turned over to the underwriter. 1. Who was the previous claim with and denied? 

Who is the underwriter? 

You said parks title did the title work, then show it. 

Why are both of our names at the top of the title which has forced me to update law enforcement XXXX and have served a 30 days notice to XXXX XXXX. 

Cc. 

XXXX police department XXXX county sheriff dept. 
Michigan state police mortgage fraud task force XXXX fbi Because I was not happy with the statements to me yesterday, I asked to speak to her supervisor XXXX XXXX, both I was unhappy and asked to speak to the supervisor above them. They would not give me the persons name, I left messages at each of their phone numbers today asking for the supervisors name above them. After some research I was able to locate the CA headquarters office. I called there today at XXXX I spoke to a gentlemen who asked me for the claim number, I gave him this claim number which was given to me XXXX. He immediately indicated that the claim number was one number short. I indicated to him that this was the claim number from XXXX XXXX. He said well give me the address, he located the property by address. He then indicated that the supervisor I needed to speak with, is XXXX XXXX. That he will be calling me back today. 

I received a phone call around XXXX XXXX from XXXX XXXX, following up on my complaints. He said was sorry for me and it was complicated situation. He listened to my story. He advised me to talk to XXXX XXXX, he indicated XXXX XXXX is above XXXX XXXX and XXXX XXXX gave me his number which is XXXX. I brought to his attention that I was told one number was missing from the claim number by his assistant claim number XXXX. He corrected me, he said the claim number is XXXX. I then told him this is exactly the claim number XXXX XXXX sent me by email. He then clarified with me that I was missing the 9 at the end. As he starting to give me XXXX XXXX number the phone call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I AM ABSOLUTELY FURIOUS WITH WELLS FARGO AND XXXX. I HAVE SUBMITTED SEVERAL COMPLAINTS AND NO RESOLUTION. IN XX/XX/2019 I WENT ON VACATION ALL PAID FOR BY XXXX XXXX TO XXXX XXXX XXXX. AT THE SAME TIME I WAS THERE, MY INFORMATION WAS USED WITH XXXX AND THEY CHARGED MY ACCOUNT FOR NIGHTS AT BEACH PALACE HOTEL. I OPENED A CLAIM WITH WELLS FARGO, I SUBMITTED SUPPORTING DOCUMENTATION INCLUDING THE LETTER I GOT FROM XXXX STATING THAT THEY HAVE NO PAYMENT FROM MY ACCOUNT, AND A RESERVATION WAS NOT CHARGED, BUT WELLS FARGO IS NOT GIVING BACK MY MONEY. MY TRIP WAS FULLY PAID BY XXXX XXXX AND I DID NOT AUTHORIZE ANYONE TO CHARGE MY ACCOUNT. I HAVE NO IDEA HOW A RESERVATION WAS MADE WITH MY INFORMATION AND IT WAS CHARGED TO MY ACCOUNT. I HAVE ATTACHED MY PAID ITINERARY FROM XXXX XXXX, INCLUDING STATEMENT SHOWING WHERE THE ACCOUNT WAS CHARGED, AND XXXX WAS THE MERCHANT THAT CHARGED, MY ACCOUNT, AND I ALSO ATTACHED AN EMAIL FROM THE MERCHANT STATING THEY DONT SEE SUCH CHARGED AND I SHOULD CONTACT MY BANKING INSTITUTION TO RECEIVE MY CREDIT. TILL TODAY WELLS FARGO HAS NOT GIVEN MY MONEY BACK AND IM FURIOUS!

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 monetary relief
Consumer complaint received 2021-10-05
Company: Monterey Financial Services LLC
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: Information belongs to someone else

Complaint:
The company Monterey Collection services is reporting incorrect information to the three credit bureaus ( XXXX, XXXX and XXXX ) showing the original amount of debt as {$220.00} as of XX/XX/2020 with a now balance of {$280.00}. I have reported this account as fraud to Monterey as I didnt establish this account and they have agreed to remove this account immediately from all three agencies but to date is still falsely reporting erroneous information. I am very concerned that this is unlawfully impacting my credit rating and opportunities In establishing new credit contingencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NJ
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/2020, I disputed several collection items with Experian, XXXX and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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 2022-11-04
Company: Experian Information Solutions 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:
HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT 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