BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX AND TRANSUNION ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX  WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, XXXX   AND TRANSUNION STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI

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 2020-08-25
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I leased a vehicle. My monthly payment is {$320.00} which is due by the XXXX the month. From XX/XX/XXXX through XX/XX/XXXX I made all my payments electronically and on time. In XX/XX/XXXX a lease refund check in the amount of my monthly payment was mailed to me. ( {$320.00} ). I tried calling the finance company for an explanation but to no avail. In XX/XX/XXXX another lease refund check was mailed for the same amount. Again I called for an explanation. No response. On XX/XX/XXXX someone called me to say that my lease payments were past due. I asked about the refund checks and was told that the account number to which the payments were sent could not be verified, even though all seven payments were sent to the same account number and five payments were accepted. I was given an account number to send all future payments, and was told that if the refund checks were sent back by XX/XX/XXXX, payments would not be considered late, and all late fees would be cancelled. I forwarded both checks to them by XX/XX/XXXX, but on XX/XX/XXXX my account was reported to the credit bureau as PAST DUE, and the late payment fees were never cancelled, as they continue to appear on my monthly statement.

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 2018-03-13
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FRAUDULENT ACCOUNT FROM AMERICAN CREDIT BUREAU

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 2020-07-03
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Account status incorrect

Complaint:
I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by them.

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 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account that was opened for 14 years because they asked for a document that I couldn't get. They requested that I get a copy of the articles of incorporation. The company was formed in XX/XX/XXXX. I sent over what was received from the State at that time along with a letter from the IRS. The only way I became aware of this need is when they froze my account and individuals who I had written checks to said they weren't honored. Immediately I called the bank to find out the reason for this action. They said they tried to contact me which wasn't the case. I have on my profile cell phone numbers and office numbers in addition to my physical address and PO box and email address. There are no records of them calling me nor could they produce the alleged letter that was sent. When I made contact and was told what was needed I sent it to them the very night via fax. Several days later the same thing occurred again without notice. This time I went into the branch to provide the required documents. The customer service representative called and received instructions how to remedy the problem, we followed the instruction to the letter and the same things happened again the account was seized. Each of the times we presented the documentation we were then told something different was incorrect. I went into the bank on XX/XX/XXXX again to provide the documents that was requested to be then told my business account was in a locked status and no one could unlock the account. XX/XX/XXXX I was told the funds would be returned to me via overnight since the account had been closed. Per instructions of the Branch Manager I called on XX/XX/XXXX to track the status of the check only to be greeted by the most incompetent customer service representative. She then told me the funds could not be overnighted to a PO Box , which my physical address is on file. The nature of my business is affordable housing. The funds seized were funds that are to be dispersed to low income families. As a result of this situation not only have I had to pay charges for returned checks I have suffered a disruption within my business which is preventing me from meeting my financial obligations. As of today XX/XX/XXXXno one can definitively tell the status of the check which XXXX XXXX is too much money for them not to attach a tracking number of some sort to the mail. I see this as an example of " Big Banks '' doing what they want to the small businesses and we have no recourse or choice but to take it. If I could afford to take them on legally I would.

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 2020-08-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX  date XXXX. This should serve as proof of the mistake by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home on XX/XX/2020, and there was no information provided regarding the transfer fee ( {$7000.00} ) or monthly fee ( {$350.00} ) for the country club that the property is apparently part of. I am not sure who to talk to about this, so Im reaching out to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by them.

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 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My father, XXXX XXXX XXXX, opened up a credit card in my name using my social security number when I was just XXXX years old. I have not personally used this card and I do not have access to it. It is affecting my credit score. I need the card to be paid off my by father, as he is using it for his personal purchases, and I need the card closed and I need it nullified from my credit. The card is from capitol one and has a balance of {$1500.00} as of now. This card was unlawfully produced by my father from my social security number. I need it paid off my him and canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: Accelerated Financial Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ... 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TekCollect Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020, I have pulled my annual credit report and Tek Collect is reporting still after I have requested numerous times to receive proof of debt. 

I am requesting proof of service and any and everything associated with my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent account with my name was opened with Navy Federal. I have never had a banking relationship with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore declared that is a loan servicer and not the owner of the loan. Therefore not a real party of interest : it can only collect the money and pass to the owner. Also, do not have the right to enforce the loan Please refer to US Code Title 12, Part 226- Truth in Lending.

It defines who a lender is, and what the rights of service are. Specifically, it refers to 226 ( a ) 1 that a servicer is not treated as the owner of the obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
{$680.00} Westlake financial Services Since XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have explained to Navient on XX/XX/2016 that the school that I went to which was XXXX XXXX XXXX was closed down. I have applied for jobs and they will not except the degree that I got from that school. While in the process of applying to different XXXX schools, I called around look for a transcript from XXXX XXXX XXXX no one can find any of the transcripts from that particular school. I have asked Navient to forgive that loan because Im not able to use anything that I acquired from XXXX XXXX XXXX. Im currently at XXXX XXXX XXXX retaking all of the classes that I took a XXXX XXXX XXXX to get me into the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much 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 2018-03-13
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a co-applicant on an apartment. I currently own my home. On XX/XX/XXXX, CoreLogic sent an Adverse Action Letter indicating application was denied. They indicated that there are associated arrest records with my name in Florida ( I have lived in Maryland for 30 years ). They acknowledged the spelling was different and did not match up any other factors such as full name, social security number, nor did my solid credit history, employment history and other community standings matter. On XX/XX/XXXX, via email to CoreLogic, I sent my driver 's license to confirm the spelling and entire name was different and I forwarded Florida public records from Web searches such as XXXX to show it was not me. They admitted that the names being spelled differently should have indicated a non-match and so did the apartment community - both indicated this is rare. Was told I had to dispute or I would remain in their database as a criminal ( with 9 convictions ). After visiting XXXX, I see this is happening to many citizens who are shocked that this firm keeps them in their database as criminals once they are associated through the company 's algorithms and scoring as high risk. In the U.S., you are innocent until proven guilty but not with this organization. As of today, XX/XX/XXXX, and after many calls to CoreLogic including the supervisor and his supervisor, there is not resolution. Not only does my daughter risk losing her apartment, but I may be considered a criminal in this firm 's database. I don't even have a traffic ticket anywhere.

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 2020-09-06
Company: Experian Information Solutions Inc.
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:
Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my experian report 3 times.

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: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Wells Fargo bank in Virginia. The account was joint account between me and my son who was underage at the time we opened the account ( he is an adult now ). My son was a victim of a scam. The party that scammed him sent him a check for {$10000.00}. Date of the check XX/XX/XXXX. The check is very clearly a bad check, with no signatures of any sort in the check. Any person who looks at the check can tell that its not legitimate. I will attach a copy of the check. However, the bank deposited the check with no effort to verify its legitimacy. And showed that the fund is available. The bank allowed my son to cash out {$10000.00} without any notification to me, without verifying the availability of the fund ( needless to say no history of that account with huge transactions ). Few days later, they found that the check was a fraud, put the account in negative and asked me to pay the balance. I strongly feel that the bank is enabling fraud and didnt provide any protection whatsoever to my account. When I looked closely at the account, I also feel that the bank is taking part of what is clearly money laundering operation. I spoke with the branch manger multiple times with no solutions. I contacted the corporation and filed a complaint number XXXX on XX/XX/XXXX. With no response from the bank as of today except for acknowledging the complaint. I did pay the balance and close the account after the manager threatened me. I strongly feel that the bank need to be investigated as they seem to enable fraud, enable money laundering and not providing any protection to me as a customer.

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 2019-08-25
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Target.com was supposed to issue a refund but did not causing Target Credit Card to incorrectly report me for late payment even though I was led to believe there will not be any charges. This was for order number XXXX. 

I called Target Credit Card several times and the representatives must first admit that this was a target.com error to remove the late payment report. But Target.com did not get back to me dispute several secure messages sent using the Target platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
POLICE REPORT WAS DONE ON THIS FRAUDULENT 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 2020-09-11
Company: DISCOVER BANK
State: TX
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 have gone back and forth with Discover card since XX/XX/XXXX regarding a dispute for a gym manager that I can not use. They favor the merchant over the customer after plenty of supporting documentation was provided.

Company response to consumer: Closed with explanation