BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
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:
Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.

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 2020-06-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
It is becoming a consistent issue that I am having with linking XXXX to my bank account. There have been multiple times when I have tried to make a payment on XXXX and it tells me that they're unable to link to my bank, even after I enter in my password and verify my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: BOEING EMPLOYEES CREDIT UNION
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: Information belongs to someone else

Complaint:
Someone stole my information and has been using it to trying to get car loan ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I met with XXXX representative XXXX at XXXX XXXX, XXXX XXXX, ca. XXXX. 
XXXX explained to me the XXXX services and fees as follows : 1st Service :  {$130.00} ( $ XXXX {$50.00} coupon= {$130.00} ) unlimited service calls for the first 3 months. {$90.00} for the next 3 months and {$90.00} for any consecutive 3 months thereafter. 
I could cancel the contract anytime I wanted 3 busines days after the 3 months of service. 
XXXX wanted me to sign a contract. Despite my refusal to sign the contract or any agreement, XXXX accepted the terms of our oral contract as described above and XXXX said that he only thing he needed was my Credit Card. 

On XX/XX/XXXX I gave XXXX my Visa card and he charged {$130.00} for the Initial Service for XXXX, XXXX and XXXX. 
On XX/XX/XXXX I paid {$90.00} for XX/XX/XXXX, XXXX and XX/XX/XXXX On XX/XX/XXXX I paid {$90.00} for XXXX, XXXX and XX/XX/XXXX Last service done at the residence was on XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX and I requested to cancel the service. 
When I started receiving bills from XXXX I contact XXXX and I was told that I owed another {$90.00} for an extra 3 months because I had not given enough notice. I requested the copy of the contract. Upon inspection of the signature I can confirm that this is not my signature. There for I don't believe that I have any responsibility for this debt. 
Te collection agency is billing me for {$75.00} in order to settle the account. 
Please see documents attached.

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: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint with Wells Fargo. I have tried countless times to get resolution on my home mortgage and escrow balance due to a new assessment ( lowered ) via the city. I submitted the certified docs in XXXX which the bank ignored. My mortgage payment has been escalated and balance in the negative bc of what the city sent them for the previous year. 2019. They have been charging me the wrong amount from XX/XX/2019 until Now. They still have not adjusted my Mortgage amount and it shows to date an advance to my escrow of XXXX dollars. I am tired of dealing with this incompetent crooks. I sent a new certificate from another city official even whole closed due to COvid. They did nothing. 

I want this resolved ASAP and I want a refund for the money they took per month aT XXXX dollars which was designed to make up for the negative balance escrow based on the wrong or higher assessment originally given by the city. I hired a lawyer and fought it My assessment for XXXX XXXX XXXX is now XXXX. They wanted taxes for XXXX and didnr honor my homestead exemption either. Help 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 2020-05-26
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} This item is was paid in full it is also over 8 years old. I have contacted the agency asking for proof of debt but have not received any correspondent. They are in violation of my rights per fair reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Admin Recovery, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt. This debt was from identity theft and it was removed from my credit report. Now this company is trying to collect money. This is not my debt.

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 2021-05-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank ( Old Navy credit card ) turned off my paper statements without my consent. As a result, I missed a payment for the first time ever, and Synchrony is charging a late fee.

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 2019-02-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This morning ( XX/XX/XXXX ) I contacted Citi BankXXXX to inquire about my XXXX rewards check I should be receiving. They immediately told me I would not be receiving the rewards check since I was enrolled in a debt management program and my card was closed. I asked to speak to a manager and explained that before enrolling in the program I called a couple of times to confirm that I would still be receiving my XXXX rewards check even though the account was closing and they very clearly confirmed that was correct. However they did want me to understand that I would not be receiving any more reward points in addition to the points I already had since the card was going to e closed and not being used which made perfect sense me. The reason for this complaint and what is not okay with me is being lied to that now all my rewards are gone/forfeited when I was assured that I would be receiving the check. I wouldn't have enrolled in the program right away if I would have been told that as to avoid losing the certificate when it was just a few months out from distribution. The manager explained they would issue a credit to my account for what the certificate amount was for however that is unacceptable because that does not provide the money to me immediately for the benefit. In addition having a credit does not benefit me immediately since I am not able to use the card since it is closed. The manager stated this information was in the terms/conditions and I explained to him this was NEVER communicated to me in any term or condition nor was I provided any paperwork stating this and or agreeing to it. It is unacceptable ultimately in the communication I was provided and that it was confirmed I would be receiving the check in which I am needing to have resolution on this.

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 2023-03-22
Company: Maximus Education, LLC dba Aidvantage
State: OK
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:
My student loans were discharged XXXX of XX/XX/22. XXXX XXXX XXXX hasn't updated the information and paid off status of my student loans account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: NY
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 {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -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 2023-01-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notifications on all of my credit reports regarding a debt collection that National Credit Systems placed in my credit reports. This is regarding a apartment complex that my daughter rented an apartment called XXXX XXXX in XXXX. I have not received any form of communications from either the apartment or the Collections Company and I want this removed from my credit report for that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: Information belongs to someone else

Complaint:
I contacted Equifax over the phone after I discovered fraudulent credit inquiries on my credit report. The Equifax representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the Equifax representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my Equifax credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
this company ran unauthorized credit report on me, XXXX, XXXX me. I have never given permission for them to inquire my credit status, please remove it from my Transunion 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 2022-08-25
Company: EQUIFAX, 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:
These accounts do not belong to me. I've contacted the bureaus in reference to inaccurate information and they didn't respond and didn't address anything. Please see attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.

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 2019-02-22
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2019 went to XXXX XXXX to trade and buy a vechile.Dearship pulled credit report up, nothing reported on the payments to SANTANDER CONSUMER USA on Car payment for the last 16 months for ME and my wife.So I called the Fianance co.Have to summit a report to there dispute dept, which could take up too 30 or 60 days to get resolved.So appreciate if could get the issue resolved soon YOURS TRULY XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3.. XXXX  Account Number : XXXX 4.. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: DISCOVER BANK
State: PR
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:
On XXXX I noticed I have fraudulent charges to my discover card. 
I called Discovered and notify. A month later I received a affidavit which I signed and return. On XX/XX/XXXX I received a letter thru the mail stating that the charges were mine and I need to pay. 

I called this Discover and they told me that they have determining that the charges were mine and I was responsable for the payment. At this point in time they can not do anything. 

I am a victim of Fraud and is in my credit report. I am not going to pay for charges that I not done. 
Sun XX/XX/2018 Merchant name is XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2100.00} Sun XXXX XXXX, 2018 Merchant name is XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Merchant category is Merchandise Amount is {$99.00} I want these two charges to be remove of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Wells Fargo is intentionally over collecting for a mortgage escrow account, using projected tax numbers well above what the actual numbers ( escrow review and actual tax bills attached ) ; 2. Wells Fargo failed to pay two property tax bills they received from the XXXX County Tax Claim Bureau ( attached ) ; 3. Wells Fargo failed to pay my property taxes during the discount period ; 4. I received a delinquent tax bill dated XX/XX/XXXX for taxes Wells Fargo failed to pay ( as required from escrow ) ; and 5. I am being charged a 10 % penalty for this XXXX tax claim due ; 6. I will be charged interest if the delinquent tax bill is not paid by XX/XX/XXXX ; 7. Wells Fargo has put me at risk of losing my home for unpaid property taxes ( they are required to pay from escrow and did not ).

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 2021-02-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and running. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them even after providing them with all the relevant information they required. I've decided to file a report here as I feel they did not do their job properly and it is affecting me a great deal as I use Paypal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Im having a horrific time with multiple calls to arrange payments. I had paperwork notarized by my attorney and submitted paperwork back in XXXX. Autopay was never set up and I had to call to figure out why. I made a payment for XXXX and XXXX per my conversation in XXXX with one of your employers. The XXXX payment was sent back. I received letters Im late etc. Im not late this is your issue. 

I call every week and am currently on hold for over 20 minutes to speak to a supervisor.

I see a Class Action Suit filed against Loan Care. Multiple complaints exactly the same as mine. 

Similar stories are posted on XXXX  website.

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 2018-04-11
Company: SUN LOAN COMPANY INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

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