BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX  while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

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 2018-07-11
Company: RentDebt Automated Collections, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, i was notified that a collection was added to my credit report from Rentdebt automated collections. I have never had any type of services nor have i ever had any contracts with this company. I was never notified by mail nor phone regarding this debt at all. I have tried to dispute this and the credit bureau stated that the company assures them that this is accurate and it will not be removed. I do not owe this company anything and my rights were definitely violated as well as reporting false information and damaging my credit and for trying to collect an amount i do not owe them. I also know that it is against the law for any courts to give out information. I want this removed from my credit file on all 3 credit bureaus immediately. If this is not solved in a timely matter i will take the next step and submit my complaint to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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: Public record information inaccurate

Complaint:
Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Investigation took more than 30 days

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}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. 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 XXXXXXXX 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 XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

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


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2018-10-04
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: Information belongs to someone else

Complaint:
I've been disputing this account for over a year, I only had an account with this company that Equifax is reporting in XXXX and XXXX, both of the loans were paid off. 

I see that they reported a charge off from XXXX or so which absolutely doesn't make sense. I keep asking them to provide the method for their verification so I may sue Equifax if need me. I have no memory at all about this alleged account. 

I did go to the police to report this a couple of months ago and due to the fact that I do not have absolutely any memory I am asking for a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
RECIEVED A PROMOTIONAL OFFER OF 0 % ON PURCHASES OVER {$490.00} ON FIRST BANKCARD - XXXX CREDIT CARD FOR 6 MONTHS ( I AM AN EXISTING CARD MEMBER FOR MANY YEARS ). WHEN MAKING A PAYMENT THEY WILL NOT PUT ANY EXCESS TO THE PROMOTION THEY WILL ONLY PAY THE INTEREST BEARING CHARGES FIRST AND WHEN THE STATEMENT COMES OUT TO PAY OFF THEY WILL NOT ALLOCATE THE PAYMENT TO PAY IT OFF IF THERE ARE CHARGES APPLIED AFTER THE STATEMENT CUTOFF DATE. A CONSUMER WILL NEVER PAY OFF THE PROMOTION BEFORE THE EXPIRATION DATE AND THEREFORE THE INTEREST WILL BE CHARGED. IT IS A BAIT AND SWITCH PROMTION ON THE CARD. I WILL BE PAYING THE ACCOUNT OFF BEFORE THE PROMOTION EXPIRES AND CANCELLING THE CARD. FOR OTHER CONSUMERS THEY WILL HAVE A HARD TIME PAYING THIS CARD OFF AND MAKING USE OF THE 0 % PROMOTIONS THEY OFFER. THIS IS EXTREMELY BAD BUSINESS AND A FRAUD ON THEIR PROMOTIONS.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

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 2020-01-22
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Conn 's has repeatedly called before XXXX  & after XXXX. They did so again today, XX/XX/2020 at XXXX. I've asked them repeatedly to stop, but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Again today my payment of {$1000.00} is being held. I call number and always get voicemail and no one returns my call.

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 2020-05-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX, we received a trial loan modification for signature from Rushmore Loan Management Services. 

After reviewing the documents, we noticed in the verbiage of the documents that once acceptance has taken place, adverse impact will affect our credit score. 

This is something that we are not happy about. CFPB interpretive rules states that an heir to the estate after a parent dies is able to acquire a loan without any negative impact to them. In other words, we should be able to acquire the loan without any problems. No adverse impact to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Prosper Marketplace, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2019 My office received a call from Prosper. The person called from an XXXX number. The staff member was asked if this was XXXX and because it was a business phone and I am the manager and she was screening my calls, she said yes and without identifying the company calling or confirming my identity they proceeded to speak about my personal loan payments.

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 2019-11-10
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
Delinquent credit card account fraudulently opened in my name. Im unsure of how this business got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal allowed a payment to be made to a fictitious person. {$170.00}. Was sent to XXXX. This person took my money and ran! Ive opened a dispute with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CREDIT CONCEPTS, INC.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the year XX/XX/2016 I was a victim of a scam, and I say victim because I was part of it. My son was XXXX years old at the time was given a check by mail from a person claiming to be a legit company, by mistake and not knowing what I know today, I deposited that check into a Bank of America account that I had open at the time and the check ended up being fraudulent. I had no idea things like this could be faked and as I did a little investigation, it turned out that the check came from XXXX. The account was closed and I was treated like the biggest criminal that has walked this earth, I was told by the bank manager at the time that my record was going to be ruined and that no banks were going to want to open another account for me because of this one mistake that was unintentional because I had never done anything like this in my life, as I looked thru my XXXX report, I see that there is a suspected fraud activity being reported by Bank of America which has been haunting me because I have not been able to get ahead in life because of this only one mistake that I did not having the knowledge that I have today. The date that this was reported was in XX/XX/2016 and until this day it is still on the XXXX report. The information that I have is very limited, the XXXX#: XXXX  / XXXX, it has a closure status of unpaid, and this is not correct because Bank of America never cashed that check so no money was ever given to me, I do not owe Bank of America anything and they are reporting this to XXXX like it’s correct. I want Bank of America to proof to me that I owe them anything, Bank of America is a great bank to be a member of but what they have done to me is not right because they never took into consideration the time I had the account open and everything was going great. I want Bank of America to provide me with documentation where it shows and serves as proof that I owe them any amount of money. Please help me by requesting XXXX to delete all bad information reported by you from 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 2019-08-21
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Convergent Outsourcing, I sent them a letter stating that the information on my Credit Report. They in turn sent me a letter stating that they do not have an account for me. I sent a copy of that letter to the Credit Bureaus and the incorrect information is still on 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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX Balance : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$2300.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately.

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 2018-10-04
Company: BBVA FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I set up recurring payments for my final mortgage payments. I set it up for 3 payments. XXXX made 6 payments, the last of which was never returned/rejected by the mortgage company. 

When I contacted customer service, they literally said " Our Technical Team is actually aware of this glitch and they're actively working on resolving it, These payments were actually sent via the electronic method. This means I don't have a way to action them from my end. '' I had to file a complaint with the CFPB to even get a response from the mortgage company, but so far nothing has been resolved. But the fact that my bank can give away my money in error and just not do anything else about it is horrible. If I gave away their money, I would be in jail. 

They made 3 payments in error, I have received 2 back, and they refuse to help with the 3rd one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Commonwealth Financial is trying to bully me paying for a false dept that's not mine and also falsely reported this to XXXX claiming the I owe this and rewording it as a LOAN. THEY HAVE MADE MY LIFE A LIVING XXXX. THEY WON'T STOP CALLING AND HARASSING ME. THEY CALL FROM SEVERAL DIFFERENT NUMBERS THE RECENT IS XXXX. Amount there asking for is {$1000.00} From .... XXXX XXXX XXXX XXXX XXXX account number XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Between XXXX and XXXX XXXX night I, XXXX XXXX went to go deposit {$100.00} in cash and a check of {$88.00} from work. When I deposited the cash and the check, the screen loaded for a while and then the ATM flashed with a yellow screen telling me the ATM " Could not take in my cash or check at this time. '' It gave me back a few XXXX dollar bills and my card and kept my check and {$100.00} in cash. It gave me a small slip telling me " Sorry for the inconvenience '' and there had been a deposit of {$0.00} cents as a place holder until I made a claim and told them the amount I had deposited. I made a claim to Wells Fargo the next day and they told me because it was cash I might not get it back. They also told me I'd have to wait well over a week and a half. I will be evicted if I do not have that money soon. 
The location of the ATM was XXXX XXXX XXXX, XXXX, FL 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