BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on the date of XX/XX/XXXX i received a debt from the XXXX XXXX county court created a debt to the defendant XXXX XXXX the defendant on XX/XX/XXXX attempted to have debt verification pursuant to statute 609 and USC 15 1692 ( g ) and this was on XX/XX/XXXX and made a second attempt to linebarger and did not properly this was created by judge XXXX XXXX XXXX and failed to verify the debt within 30 days this was sent through certified mail and would like to see disciplinary or removal of the derogatory debt from my name XXXX and was unverified and should be removed as the pursuant the above code

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
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: Account status incorrect

Complaint:
I have provided ny state higher education with proof that XXXX XXXX in XXXX NY went bankrupt. Hundred of former students of XXXX XXXX XXXX NY are eligible for part of a XXXX XXXX settlement regarding their student loan. The settlement was reached between a coalition of 13 attorney general, federal agencies and XXXX XXXX XXXX the firm handling loans for the former XXXX college which own XXXX XXXX. As part of the settlement anyone who borrowed and we're attending XXXX XXXX when it closed or defaulted will receive a discharge or 55 percent discharged. I fell under that. I contacted Borrowers defense they had me put in a application to apply for discharge until they make a decision on the application they put my loan which is in default status in forbearance status on XX/XX/2019. I'm trying to get them to change my status from delinquent to current status on my credit report since I'm in forbearance until Borrowers defense make a decision. I don't think I should be paying on a loan to a school that went bankrupt and made students promise of getting a good paying job. I couldn't even use there credit at other schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On my first complaint to XXXX XXXX they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. XXXX/XXXX XXXX date of inquiry is XX/XX/XXXX, XXXX date of inquiry is XX/XX/XXXX and XXXX date of inquiry XX/XX/XXXX are the three inquiries in question.

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 2020-04-27
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Berman & Rabin, P.A.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Approximate 7 years ago, I did a Cash For Keys deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXX-that I must pay off for them to release the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive been a victim of identity theft

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 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXXXXX XXXX XXXXXXXX in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted Capital One numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: Reliant Capital Solutions, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I entered into a loan rehabilitation program back in XX/XX/XXXX. I did not complete the program so I called to re enroll in XX/XX/XXXX/XX/XX/XXXX. I submitted documents but did not receive confirmation the documents were submitted. I do see online it says as of XX/XX/XXXX I was re-entered into the rehabilitation program and that my first payment is due on XX/XX/XXXX. I would like the follow questions answered : 1. Am I enrolled into the loan rehabilitation program?

2. After completing 9 monthly payments will my loan be out of default?

3. Was all of the necessary documentation received.

4. If not, what else is needed from me in order to complete the process for loan rehabilitation?

5. Is my first payment for the rehabilitation due on XX/XX/XXXX in the amount of {$5.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Some time back my account was fraudulently charged mutliple times, I never gave authorization for these charges. I contacted TCF multiple times by phone, even spoke with a manager. TCF completely refused to work with me, to discuss the fraud activities and even refused to investigate them. I should not have to pay for charges i did not authorize. I trusted TCF to look into this and resolve this, instead they were completely and utterly inept, incompetent and completely unwilling to help me. They refused to file disputes, they refused to look into the transactions i told them were fraudulent. Furthermore they are trying to charge me for transactions that they technically didn't even cover. While they did waive half the balance bringing the new amount to about {$68.00}. They did not resolve the issue and expect me to pay for something that i never initiated or approved. This is borderline fraud from TCF. They have not only done that but placed my account in collections harming my credit score. I want the full {$68.00} balance on the account removed and the account removed from collections. If TCF is not willing to comply I am willing to sue them for unethical business practices, fraudulent activities including fraudulent extortion attempts, and personal damages, and i will make sure that they pay a lot more than the false {$68.00} they are trying to extort from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transfered to shellpoint mortgage from XXXX    XX/XX/2019. When the loan was transfered my unit number was omitted and i never received any statements or any other documents. When i called i was told that my loan was in the process of transfering and i should call back. When i called the number that i was given i made a payment over the phone and was given a confirmation number for the payment and 3 other payments after that. I still had not received and statements or documentation either by mail, email or phone. It wasn't until i went to make another payment by phone and my balance was very high. I called spoke with someone and was told my payments had not gone through and that i was being charged NSF and late fees. I was told my unit number has been omitted and my statements had come back. I have called, emailed several times and keep being told my case is being worked on. I recently discovered this has affected my credit and now need to fix that. Thank you in advance for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX, but neither XXXX of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions 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:
I settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with Experian the results came back as if I never settled with XXXX and the results said XXXX said everything was accurate. This is XXXX as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX, XXXX, XXXX CR XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XX/XX/XXXX CFPB And XXXX XXXX XXXX. XXXX Via Online report Re : Three false reports on my credit per attachments showing all of these were reported in XXXX, more than 9 years ago and thus must be removed from my credit immediately Dear CFPB : The first attachment is my Experian Credit Report. It is five pages long and shows three false accounts, as of XX/XX/XXXX. Luckily each of these is over 9 years old,  so I do not have to show that they are false, because they are all demonstrably over 7 years old. These 3 false and inaccurate reports are circled and are XXXX XXXX, XXXX XXXX, and XXXX  XXXX. 

The second exhibit is marked Ex. B and is two pages long and this attachment shows that all of these accounts, including XXXX XXXXXXXX were reporting in XXXX, very close to the exact same amounts claimed to be owed today, over nine years later, as being either the last month with an amount NOT being past due or as being already in collections at that time. 

Here is a summary of Exhibits A and B : In XXXX XXXX claimed ALREADY owed {$10000.00} ; now XXXX claims {$15000.00}. 
In XXXX XXXX XXXX claimed {$3900.00} and now claims {$6900.00} In XXXX XXXX XXXX claimed {$920.00} and now claims {$930.00}. 
These are all the same decade old claims.The only differences are " collection costs '' or interest claims. The VAST majority of the amounts appearing on my credit in XXXX are 10 years old or more in each of these cases. 

So, the request here is simple : please confirm that the above referenced reports from XXXX, XXXX XXXX and XXXX XXXX are removed from my Experian, XXXXXXXX XXXX, XXXX, XXXX and/or other credit reports and furnish me with a letter stating the same. If I do not hear back by XXXX, I will assume that these creditors do not intend to remove these false reports -- which wouldn't even have to be false as they are over 9 years old. Thank you for your kind attention. 

Cordially, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There is always money deposited to cover funds that are withdrawn on the day it is paid. There are many branches nearby that are closed and it is inconvenient to make a deposit without a bank nearby so I have to drive far to head to a grocery store that has a TCF Bank ATM deposit machine. I deposit cash and it still says pending and I am being charged outrageous fees. 

XX/XX/19 {$37.00} XX/XX/19 {$74.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I did a balance transfer with Wells Fargo and Zero Interest. 
Later had to use my credit card for purchases but I made a payment later to cover those purchases and be left only with my balance transfer at zero interest. 
Not using my credit now for several months I noticed I am being charged interest on purchases. When I reached out to wells fargo my call was escalated to a XXXX XXXX caseXXXX. 
He told me payments were allocated to my zero interest balance instead of covering my interest. I told him it was misleading decieving and benefiting wells fargo to allocate my payments to a zero interest and leaving a balance on purchases so they could continue to charge me interest! 
On wells Fargos recorded line he said an accountant would allocate the payments towards my purchases therefore I wouldnt continue to be charged interest. And could start paying down my zero interest balance. 
Now 3 weeks later no one wants to acknowledge what happened, what was promised even though they went back to recordings and heard it all.

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 2019-05-15
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I have used the ZELLE services through my bank without a problem in the past but lateley is like ZELLE makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight if not longer days in the interbanking lending process. On or about XX/XX/XXXX I was send money by a relative using my mobiel number, on or about XX/XX/XXXX I learned from my Bank XXXX that ZELLE had derigestered my mobile number, I was told by ZELLE representative name XXXX on XX/XX/XXXX that since I was not able to accept and or see the code ZELLE would send me thogurgh my cell because ask my carrier to i block junk text from my phone and that included all text from unregistered contact, I needed to register my email address and the money would be send immediately to me as if it was my mobile number ; the same representative asked me to asked my representative to cancelled the first transaction which it was done through my mobile phone. At this point the only transaction left was the one send via email. After my relative cancelled the mobile transaction she proceeded to send the money via email wich according to XXXX from ZELLE the money would get to my bank account with XXXX immediately but that has not been the case. I am now told that the process would take 7 to 5 business days instead. I have look into the ZELLE marketing and has come the the proof that ZELLE provided false and missleading information both on paper, the internet and orally. I now have to wait several days to collect that money. ZELLE does not alowed to deregister email address at the customer request according to Mr. XXXX telling that I am out of luck and I was in need of that money for a medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Lending Club Corp
State: MS
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 loan with Lending Club. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called Lending Club to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
Lending Club sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.

Company response to consumer: Closed with explanation