BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/2021, I logged into my Moneylion bank account to find that my balance was at {$0.00}. Around {$9000.00} was missing from my acct. I immediately called customer service and the representative went over numerous multiple back to back charges at gas station/convenience stores located in or around XXXX, Ca. I have never been to that area of California and over the past XXXX I havent gone further than XXXX away from my home in XXXX XXXX XXXX Ca XXXX My debit card has also never left my possession nor does anyone have access to it. Due to Covid the number of people I see on a daily basis is extremely limited and my debit card has never left my possession. I still have my debit card that has since been deactivated. I asked the representative for detailed statements detailing all the unauthorized charges because I was only able to view very limited details through the app and only about the past 20 or so transactions. She stated I could get detailed statements through the fraud dept and she emailed me fraudulent charges paperwork to be filled out and returned, which I returned immediately. On XXXX XXXX 2021 I received an email stating that the paperwork I filled out and sent as an attachment in an email, could not be opened and that I needed to resubmit paperwork as a PDF file. On XXXX 2021 I resubmitted the paperwork as a PDF. I resubmitted paperwork on XXXX XXXX and I sent a separate email to the fraud dept. explaining that I had resubmitted the paperwork and I would like confirmation and that I would also need to see my detailed statements. On XXXX XXXX I received confirmation that my paperwork was received. At the time I filed police reports with the XXXX XXXX PD and also with Police dept in XXXX, Ca using the details I could remember from the initial phone call to report the unauthorized charges. I was told on the intial phone call that I would receive provisional funds within 10 business days. After 10 business days I began calling because I had not received my funds back into my account. Numerous days I sat on hold for over an hour and when it reached XXXX my time, I would be hung up on or transferred to general customer service because the fraud dept was now closed. I work XXXX and was having to miss work to make these phone calls. On XXXX XXXX at approx XXXX I got through to someone in the fraud dept. who verified my paperwork had been received but due to it being the end of the day he would have to return a call to me in the morning. I never received a call, at this point Im at a loss. XXXX was ruined as I had no money, that money was every dime I had been saving up and its gone and I have zero faith in getting it back at this point. A coworker suggested I try to get help through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It appears Wells Fargo Home Mortgage is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information.     I 've been sending in all required documents multiple times since  XX/XX/XXXX . I also call over the phone to verify that the documents were received.     I have received the enclosed Wells Fargo letters which are vague and do n't provide me with any information on the status of the loan modification assistance.     The CFPB issued amendments on  XX/XX/XXXX , The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections.     The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX MD 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 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
After I log into the Capital One corporate website ( https://www.capitalone.com ), a screen appears that says:"Your account needs attentionFederal law requires us to add your business Employer Identification Number (EIN)Please call us at XXXX-XXXX-XXXXReference offer ID XXXX"HOWEVER, the phone number provided ( XXXX-XXXX-XXXX ) is listed by XXXX Search as being a FRAUDULANT NUMBER, asking all kinds of questions about whether the card is active or not, etc.I first received an e-mail a couple of months ago, checked the phone number out, and DID NOT provide any information.NOW, TWO (2) months later, this same FRAUDULENT NUMBER Appears ON CAPITAL ONE's OFFICIAL WEBSITE AFTER I log into the website using my credentials that have been set up for me on the site – for a long time….After being on hold for over an hour Friday, XXXX XXXX, 2018, I  was finally transferred to a “Fraud Department Supervisor” who did not provide her name in a legible manner. She continuously said that the “Offer Number” was valid and that the phone number was valid, so I was wrong about the fraud. Of course the Phone Number was valid. That has never been in dispute. What is in dispute is who answers the phone and what they do with the information once they get it.I no longer have ANY faith or confidence in the Capital One Fraud Department and desire the CFPB Office to take appropriate action before an unknown number of Capital One Business accounts get scammed and their businesses get ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and  are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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:
I contacted the Transunion credit bureau and informed them I have been a victim of identity theft. I faxed over and sent a copy of the identity theft report and affidavit required to remove/block the inaccurate information on my credit file. As of XX/XX/XXXX there is 1 collection account still appearing on my report that resulted from identity theft. I have asked Transunion to remove/delete/block this inaccurate reporting, but it is still there. I would like it to be removed immediately.
The inaccurate collection account is : XXXX XXXX XXXX in the amount of {$150.00} and the original creditor is XXXX.
I have never owed/held an account with XXXX and I want this derogatory, inaccurate, wrong information removed from my report immediately.
There are also two inquiries that have been disputed which are still appearing. They appear as a result of identity theft.
1 ) XXXX XXXXt obtained a copy of my file onXX/XX/XXXX 2 ) XXXX XXXX obtained a copy of my report on XX/XX/XXXX These two inquiries were not authorized by me. It is my understanding if I did not authorize a company to pull my credit report then they are not allowed to report to the credit bureaus. Where is the protection of the consumer? I have asked the companies to delete the information and Transunion. It is the responsibility of the Transunion to update/remove the inquiries.

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 2018-01-06
Company: American Credit Acceptance, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor 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 non-monetary relief
Consumer complaint received 2019-09-23
Company: BC SERVICES, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While visiting Co in XX/XX/XXXX I became sick, went to XXXX Hospital on XX/XX/XXXX and was diagnosed with XXXX XXXX. The hospital ran a XXXX XXXX, gave me XXXX, told me to go to XXXX which is lower altitude and I will be ok. The next day we packed up and drove to XXXX and I had no breathing issues. While at the hospital we gave them our insurance card and they made a copy of the card to submit the bill to. On XX/XX/XXXX I receive a bill from XXXX stating that I owe {$4500.00}. I proceed to call XXXX and send them a copy of the EOB showing the negotiated price and that I owe {$640.00} of which I already paid {$500.00}. Below is a listing of dates, times and people I talked to. I have NEVER received any further communication from XXXX since XX/XX/XXXX. This weekend XX/XX/XXXX I receive a notice from BC Services , Inc XXXX XXXX XXXX XXXX CO XXXX XXXX ( Acct # XXXX ) stating I owe them {$4500.00} and I need to pay this immediately. I called BC Services twice today talked to XXXX XXXX @ XXXX and she told me I need to call my insurance company and have them call BC Services. I called my insurance company and due to privacy laws ( thank God ) they can not talk to BC regarding my insurance. I did email over an explanation of benefits to BC Services showing the bill being paid. I later call BC Services and talk to XXXX XXXX @ XXXX and she explained that an EOB is not good enough and I need to pay BC Services. 
I then called XXXX Hospital at XXXX and talked to XXXX in billing and he stated that I owe no money to XXXX  and that they never sent anything to BC Services and they are not sure who that even is. That lead me to believe that BC Services could be a  fraudulent company? I am concerned as I do not want my good credit score being affected by this possible fraudulent company. I turned to you because that's the information I found on the internet. 
Thank you XXXX XXXX XXXX, XXXX Conversation with XXXX : XX/XX/XXXX XXXX, he stated call back in a week, he will look into the EOB XX/XX/XXXX XXXX @ XXXX XXXX ( billing company for XXXX ) she states to call back in a week XX/XX/XXXX called XXXX XXXX back and talked to XXXX and XXXX at XXXX and they stated they never submitted the claim so they sent it to XXXX. again. Really the claim was submitted and paid in XX/XX/XXXX. 
XX/XX/XXXX called XXXX XXXX again and talked to XXXX who in turn forwarded the information and EOB to her supervisor who never called me back. 
( XXXX XXXX # XXXX ) Time goes by with no bills or statements ... 
XX/XX/XXXX I receive notice from BC Services that I was sent to collections. I send them the EOB ... .The above story explains that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Original Creditor : 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 2019-09-23
Company: Experian Information Solutions 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 was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. 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 2019-09-23
Company: JPMORGAN CHASE & CO.
State: MA
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:
I was not in XXXX when the charges occurred, to prove that I am sending you copies of every page of my passport, which I have placed on today 's newspaper to prove the pictures were taken today. 

You provided me with several sales drafts, none of the signatures on the drafts, of which many were not signed, matched my signature. 

How could I be present to make charges, as you allege, when I was not in that country and provide unimpeachable evidence to prove I was not there?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXXXXXX XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Personal information incorrect

Complaint:
Trans Union reports address as XXXX XXXX XXXX XXXX XXXX CA XXXX. That address does not exist. We own the house at XXXX XXXX XXXX XXXX XXXX CA XXXX for 20 years. Trans Union refused to correct their typo. Reference file # XXXX XXXX XXXX XXXX. 
Thank you. 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 2022-01-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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 incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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