BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
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:
TransUnion credit buearu refuses to delete any hard credit inquiries I have disputed that are listed 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 explanation
Consumer complaint received 2018-04-30
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems has been attempting to collect a debt that belongs to my deceased father. I was my father 's caregiver and in XX/XX/XXXX he leased an apartment at XXXX XXXX. I had no financial liability to the lease or its expenses. However, the complex stated they needed the Social Security number of every adult over the age of XXXX residing in the apartment. Their lease had a clause that stated in the event of a death he would not be liable for the rest of the lease. My father passed away XX/XX/XXXX and I immediately vacated the premises on the weekend when the office was closed. I provided a letter and proof showing my father passed away, pictures of how the apartment was left, the keys, the forwarding address to be notified of the receipt and left in the drop box as I moved out of state. About a month later I received a bill stating I was responsible for the debt as if my father was my spouse. I contacted the management company located in XXXX and advised I was not his spouse and it was not a joint account I was only a resident on the lease. They refused to acknowledge that and reported to my credit and sent to National Credit Systems as if it was a joint account. I notified them this was not my debt and disputed with them and the Credit Bureaus several times. They continue to pursue me for my deceased father 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was recently made aware that a lien was not removed from XX/XX/XXXX by XXXX XXXX XXXX. We did a refi with XXXX in XX/XX/XXXX and did another refi with XXXX XXXX XXXX in XX/XX/XXXX. We never received a HUD 1 or Settlement statement from XXXX XXXX XXXX. We will not be able to have the lien removed until we have proof XXXX XXXX   paid XXXX XXXX XXXX. I spoke with a representative from the lien release department of XXXX XXXX and they told me that they don't have a copy of either of the documents we need to prove that they paid XXXX. He suggested I contact the title agency for documentation, which I did, but they are telling me that any documentation would have been destroyed from XX/XX/XXXX. We have since paid off our mortgage with XXXX/XXXX  XXXX in XX/XX/XXXX and although we own our home we aren't able to use the equity in it or sell it unless we can get the lien released. XXXX XXXX XXXX has been out of business since XX/XX/XXXX and I am not sure who has the documentation, but I think it is between XXXX, XXXX or XXXX. XXXX lien release department said they have no record of doing business with me. XXXX will not give any information until I can show proof XXXX XXXX paid XXXX and XXXX has not responded to my request for information. I am under the impression that XXXX XXXX is obligated to provide a Settlement statement to us at the time the loan was secured. I am asking that XXXX XXXX provide us with proof they paid XXXX XXXX XXXX so that I can pursue having the lien removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: Kriya Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have communicated with Credence in writing via certified letter with return receipts in XXXX and XX/XX/2018. In my initial request to them, I explicitly stated that I was disputing the validity of the alleged debt. Credence did not provide any documentation to substantiate the alleged debt. Credence provided on their letterhead from the latter dispute in XXXX ( see attached ), I did not receive a response from my XXXX dispute, an arbitrary number that does not provide any details nor specifics as to the date this alleged debt became payable, original delinquency date, verification that this debt was assigned and sold to collector, a complete accounting of the alleged debt and the name and address of the bonding agent for the collection agency in case legal action becomes necessary. I received nothing. In XX/XX/2018, I again attempted to communicate with Credence for them to validate the debt and yet again, they did not. 

It is apparent that Credence is blatantly violating my consumer rights by reporting this unverifiable, inaccurate, erroneous entry on my reports. To that end, this entry must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Friday XX/XX/XXXX, I was scammed by someone I thought was an employee of XXXX. I was on the phone attempting to reverse a charge. They had me download an app called " XXXX XXXX '' where they were going to " verify '' my charge. I started to get suspicious and the person hung up on me. I then called my bank, Wells Fargo, and explained what was happening. They closed both my checking and savings and opened new accounts for me. Over XXXX was taken from my account. Wells Fargo was " investigating '' a {$500.00} XXXX charge that the scammer sent while inside my banking information. 

I was in the middle of a move from XXXX XXXX to XXXX XXXX I had no debit card. I had no access any of the funds I lost. If not for my fb friends, I would have had no money to move with. 

Today after calling Wells Fargo, I heard that my claim was denied. If this wasn't fraud, then why did the first employee I talked to close both my accounts? Why am I being penalized by not getting my money back.

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 2018-05-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I reached an agreement in XX/XX/XXXX to pay {$60.00} a month. In turn my account would be brought current and late comments removed from the accounts. I spoke with an account manager named XXXX. I passed on a 60 % reduction in total payment owed to get the above conditions. I explained i fell behind to hospital bills for my children needing XXXX and my wife falling ill and being out of work. I wanted to make things right and passed on the above mentioned reduction. It is months later, I am enrolled in automatic payments and have not been late since. I have sent numerous certified mailings to address this with no return correspondence from Navient/Sallie Mae or XXXX. I can not get better rates at this time to pay off sooner due to these and it is affecting my job search as well as these are negative on my credit which has been pulled numerous times now. 
In XX/XX/XXXXXX/XX/XXXXNavient offered reduced intrest repayment plan of {$50.00} which i gladly would accept except XXXX XXXX XXXX would not recognize this agreement. XXXX XXXX is who i was told to contact. I tried to speak to Navient about this but was told speak to XXXX and hungup on. 
Additionally now I am being contacted by legal firm of XXXX, XXXX , XXXX XXXX. 
I simply want to repay my charge off based on the terms set in XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. XXXX XXXX  was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then Equifax reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted XXXX. But both companies refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted them several times about unapplied payments on my car loan. They are saying I never made my XXXX payment. Which I have sent over documentations of my bank statement my account tracking number and I have called numerous numerous times and Im getting nowhere with them. My bank says they got their money but Ally financial is saying they did not receive my money and they are porting it to the credit bureau that I miss my payment. On top harassing phone calls, Emails and text messages stating that my XXXX payment is past due ... Top of I have two contracts from the same company with different amounts

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 2020-07-25
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is the Company and CBSA is the collection agency. XXXX XXXX rent houses in the city of XXXX which is just outside of XXXX XXXX Texas, so its considered a military town. Check the history of XXXX XXXX, their known for primarily renting to soldiers who often get XXXX or restationed during their leasing contract. XXXX is known for keeping security deposits and charging people for damages that were already present upon arrival. The XXXX/XXXX  normally take care of the debt without investigating. That's exactly what happened to my Wife and I, but were not military. We left his property in better condition then when moved in, we repaired and upgraded several things in the home before we moved out. We broke our contract because my wife got a promotion with her job which relocated us to XXXX. We discussed the situation with XXXX and explained that my wifes employers were taking care of the contract for breaking the lease and they were paying the fees associated with the contract. In true XXXX fashion they keep our security deposit, charged us for not cleaning and added a list of repairs that wasn't even close to being true. This is the norm for XXXX and what they do to soldiers because they know the XXXX XXXX will take care of it, but were not in the XXXX. One of the problems is Mr. XXXX himself never will meet with you or discuss anything with you, he never answers your calls and his office is never open, it's just a building with no one in it. So we later found out that the matter was sent to CBSA collection. We talked to CBSA on several occasions to try to resolve the matter but to no avail. We even sent some payments to them and tried to work out some sort of settlement but there is no negotiating anything with this company, they want it all so I stopped paying because were being charge for things that just simply didnt happen. I hope this matter and this company is investigated and reported for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: PLANET HOME LENDING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Each month my husband and I pay our mortgage on time. We just purchased our dream home in XXXX. PLANET HOME LENDING purchased our mortgage from our previous mortgage company. We have our taxes rolled into an escrow account. Our escrow account has XXXX $ in it. Our mortgage company is refusing to pay our taxes in a timely manner. The township we live in is threatening to put our house on tax sale. This is public record, and we dont want or need this stress or blemish. We are considering taking the company to small claims court. We have been calling the company all week, and they keep putting us on hold and not answering our questions. They told us they were going to call the township and they have not made an attempt to call the township as we have been contacting them everyday. We have a XXXX year old XXXX  that lives in our home and we can not have the threat of losing it to something thats out of our control. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2018-05-01
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: Was not notified of investigation status or results

Complaint:
Their is a Superior Court Order to REMOVE the XXXX XXXX XXXX XXXX XXXX, When I called I got the run around, transfer after transfer to a Supervisor " XXXX '' well we just have to keep it disputing this its only been since XX/XX/2013! It was a joint account they REMOVE off my spouse and not my report ( XXXX XXXX, XXXX ). Legally each bureau received the Voluntary Withdrawal from XXXX what more do you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 is missing that should be on the report

Complaint:
TransUnion refuses to include updated information on my credit report. 
They refuse to include my XXXXXXXX XXXX card, XXXX XXXX card and XXXX Card. 

I've had these accounts for 3 months and they refuse to report them. 

We are in the process of filling and class action lawsuit against TransUnion.

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 2020-05-26
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed fraudulent charges on this card over the weekend of XX/XX/XXXX and XXXX. I live in XXXX, Georgia, and these charges are from XXXX, TX. I have attempted multiple times to contact the company on the weekend and today. The holds have lasted up to 3 hours and I have still not been able to get through to the company. THEY DO NOT ANSWER THE PHONE. there is no way to freeze the card on their website ; there is no option to email them. I do not believe that they have any customer service people or care about the service my state pays them to provide. This card is used by the Georgia Department of Labor. This is outrageous. There are over {$200.00} worth of charges out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BARCLAYS BANK DELAWARE
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:
I purchased a gift card from XXXX XXXX  for XXXX. They then charged me twice in XXXX. XXXX XXXX refunded the XXXX amount and provided me with an email and code. I let them know that it was still on my card and they double checked and said it was refunded on their end. However Barclay Uber Visa says fraud dispute denied the claim and will not refund my money. I can not file another claim. I called XXXX and it is refunded on their end. This occurred in XXXX and it is know XXXX and I can not get a refund for them. I verified with XXXX XXXX  that only XXXX gift card was issued and the other one was refunded.

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 2020-05-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX overdraft fee and 7 XXXXfee total of XXXX need to refund back to My account Wells Fargo policy Collapse We receive most incoming electronic direct deposits before XXXX XXXX  each business day. With the Overdraft Rewind feature, well initiate a second review of the prior days transactions on your account at XXXX XXXX  local time.Footnote 11 If you had an overdraft or returned/NSF item on the previous business day and your direct deposit would have covered it, we will use funds from your direct deposit to reevaluate the transactions and waive the overdraft or returned item/NSF fees that would have been assessed.

Well calculate a new balance, which includes your pending direct deposit ( less any pending debits ), and use this amount to reevaluate the prior days transactions on your account and waive the overdraft or returned/NSF item fees for transactions that would have been covered by your direct deposit.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I notified the credit reporting agencies that a particular credit card account with XXXX XXXX was not mine. The other reporting agencies deleted the account from my report except Experian. They continue to keep the account in my report despite my repeated requests for them to delete it. I never opened, signed for, or used that credit card account. It is not my account. I want it removed. XXXX advised me to request that the account be removed from my credit reports since it 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 non-monetary relief
Consumer complaint received 2021-05-07
Company: USCB Corporation
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was advised that would send to their manager for review

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