BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-04-22
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: Account status incorrect

Complaint:
I sent Experian a letter telling them about my identity fraud and that it was account open in my name and in my child name. I sent them a police report all information. I never heard anything back for them. But the information is still showing up. so I sent them a certified letter about my information and about my child information which is a minor. they sent me a page letter saying the verified that they was my account and my XXXX XXXX XXXX account. that let me know they didn't even read my letter. so I sent them a 3rd letter telling the to give me the information how they verified that when they stop taking my calls, hanging up on when i do get somebody on the phone the verified it me, the hang up. i just want my daughter credit fix she XXXX and these account moved off my credit. the are very ruled

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe 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 2019-06-18
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe 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 2020-04-29
Company: TFC Credit Corporation of California
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted the company in XX/XX/XXXX & XXXX in regards to reporting the account to all three credit bureaus, I was told it would report nothing ever reported under my business name and personal account. The loan was taken out in XX/XX/XXXX through XX/XX/XXXX in the amount of {$20000.00}. This loan was taken to build personal credit and business credit. TFC was paid the loan amount plus interest for a period 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full by my insurance company when XXXX XXXX billed them. During my office visit I was told that everything would be covered by my insurance and I would only be responsible for a copau, I paid {$130.00} in the office for copay and an arm brace, my insurance paid the rest. Months later the dr 's office sent a separate bill and billed me again for the same visit they were already paid for by insurance, I have only visited the dr. Once. I researched online and there are multiple complaints about XXXX XXXX getting paid by insurance and still billing his clients. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received the first letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was the first time I realized that identity theft occurred. Upon this letter, I sent them a dispute letter to notify I am a victim of the identity theft on XX/XX/2019. I have reported the idendity theft to CFPB, local Police department, and FTC. I have done everything I could. Finally, FTC gave the procedure for me. The first step that FTC recommend is to call XXXX XXXX and to ask them to remove the fraudulent account. I went to XXXX XXXX XXXX  instead of calling, and asked them about the auto loan account number.The bankers whom I contacted said there is no account with my name and SSN in their ( XXXX XXXX ) account history. I asked a confirmation letter which states that there is not any account my name and social, but they said, " No, because the account number is not existed. '' Today, I sent express priority mail asking the account applications made on paper, online, or by telephone, and any record including payment history, phone number to access the account, signatures on applications, and the copy of ID when the account was made using the address, and investigators report. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thier client Crown Asset Management have never sent the account application. The account in XXXX XXXX does not exist. It means those company made a fraudulent account without my permission. They got judgement ( {$6100.00} ) using the address I have never lived, and then they sent the first letter regarding the judgment debt to me. What should I do next? I am waiting to hear from the court, because I filed a Motion to vacate the default judgment on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is in reference to case number XXXX. This case was summarily closed as being a duplicate. In actuality it was attempt to clarify the erroneous result of the investigation. 

Please consider the following : Attn : CFPB, XXXX XXXX Thank for the time and effort you have given to my situation. 

A. The matter regarding credit for {$5000.00} for a charge made to XXXX B. The matter regarding credit for {$2800.00} for a charge made to XXXX a. The result of your review is based on your misunderstanding of the timeline and coincidence of the amount and reason ( s ) for disputes. 
Recognize there were XXXX separate charges for {$5000.00} in close to one another. The first was to XXXX ; transaction XXXX and the other to someone from XXXX XXXX, XXXX, NV : transaction XXXX. 
I called in a dispute in XXXX. 2016 for the transaction XXXX in the amount of {$5000.00} by someone in XXXX NV. I did not make this charge. As you can see by the foreign fees I was in XXXX. Yes when noticed this charge I immediately called it in. The card ending in XXXX was cancelled by your fraud department and I was given a new number ending in XXXX. This was handled as it should have been and thank you for the great service at that time. 
Now fast forward to present time. I am now disputing the transaction XXXX, a charge I did make at that time in the amount of {$5000.00} to XXXX. XXXX has been shut down for fraud by the government and has gravely impacted its members due non-access to products and services and the internet marketing system. 
b. The charge for {$2800.00}, transaction XXXX to XXXX  was mentioned in the initial case submitted through CFPB. This is a charge that also represents the payment made to this failed company. The refund in the total of {$7800.00} is requested. XXXX + XXXX = XXXX. If I have to or there is a need to file a separate claim for this charge based on the same reason : FRAUD, then I will do so. Please advise. 

My response is in direct response to XXXX XXXX, XXXX XXXX, XXXX XXXX  received by mail.

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 2019-06-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To whom it may concern, Couple months ago, I got in touch over the phone with Macys Credit Card and set up a payment plan to get a promotional interest fee reversed due to expire time frame. I spoke to a Customer service Representative named XXXX and his employee is # XXXX ( XX/XX//19 ) and he helped to set up a new payment arrangement and gave two months to pay over the amount owe. This was back XXXX/XXXX/19, He gave me two payment amounts which will cover my promotional payments and my regular revolving expenses. In order to get all the interest back, I need to pay {$8000.00} within next two months from XXXX/XXXX/19 and another $ XXXXto cover all and pay in full my card. I was told to called whenever make my payments which I did However I was not given what I was promised. I make the total payment of the interest fee promotion and the rest of the balance didn't go down as Promised which leaving a higher balance. I called multiple times with long waiting times and giving same information over and over again. This is a negative and misleading information promised to customers like me. Until now, I have unpaid balance even though I called and complained many times. All my calls were recorded and they can go back and listened what it was promised.

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 2022-02-02
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to work with Navient the past two years in trying to get my payments lowered on my account, I have over {$150000.00} in debt and they are no help. When I first called about the situation all they did was just tell me to get a forbearance because they said thats all I could do .. I called a couple of months later and they in XX/XX/2018 and the told me I could get lower payments after I made 3 payments of {$530.00}. So I set those payments up and in the process of it they brought my account current with a disaster forbearance which they have done multiple times and with request to remove them They said they couldnt do that ... I then called almost everyday to see if I needed to keep the payments on file or would I be on the program or I dont, I was told multiple times that I would be fine and in the program and every representative I spoke with told me it was fine because I had other bills and expenses to pay. When I came off of the forbearance I was not in the program and they told me that it was my fault and I didnt do the payments they told me to. I told them to review the accounts and the calls and they told me they didnt which I know they didnt because they claim I havent talked to anyone which I know I did and my fianc has been with me every call I even spoke with a manager. I do not feel as though my situation would be as bad if they would have helped me from the beginning. They have called me 6 times a day before harassing me everyday and I could be on the phone with someone and here they go calling. I have been giving forbearances when I advised them I cant afford the payment and they tell me thats all they can do ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX XXXX XXXX  {$190.00}, {$140.00}

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 2018-11-02
Company: EQUIFAX, INC.
State: HI
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 in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with SPS on several occasions and the calls were recorded. I was approved for a loan modification and was told that funds held in my suspense account would be applied to the first trial payment. I have spoken with several reps since then, now they are stating that the funds can not be applied until after the modification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX I sent a SEPA transfer of EUR XXXX to this company. 

On their web site under my account, they specified I should have it by XXXX XXXX XXXX. 
They said it should only take 1-3 days. 

Today, XXXX XXXX XXXX, is it still showing as " Pending '' and I can not access my money. 

At the time my money should have been available, I could have purchased Ether for around EUR XXXX each. Today it 's worth EUR XXXX each, so I have lost out on my investment due to this company. 

I made a smaller deposit prior to this one on the same day to ensure I had the correct reference number on the transfer. I received this with no problems, so the error was not on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 was promised a refund of {$1000.00} from a third party vendor, XXXX, for a hotel stay in XXXX, that I cancelled in XXXX due to the pandemic. XXXX did not honor their promise, so I disputed the charge with Capital One. My travel agent sent ample documentation with all the necessary information, per Capital One 's request, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Capital One saying I would be responsible for the charge because XXXX 's said that I was aware of the " no refund '' policy when I booked and that I refused a voucher. This was not true. My travel agent submitted proof that they offered me a refund but then reneged due to financial trouble. I was NOT offered a voucher. 

I made a series of phone calls to Capital One 's XXXX XXXX, beginning on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to check the status of my case. Each time I was assured that they received the documentation, that it was complete, and that I'd hear from them soon. I was on the phone an hour this last call on XX/XX/XXXX, and spoke to an agent and a supervisor, who acted like they'd never seen my file. The supervisor offered many excuses as to why my dispute was not settled, and he wanted to review my file on the phone with me -- all 14 pages! ( I do not have the original file ; it is in my agent 's possession. ) He made a decision, after myriad ridiculous excuses, to deny my dispute. His final excuse was that I didn't submit proof that I was not offered a voucher. How on earth can I submit proof of something I do not have? I had, however, submitted a statement to Capital One on XX/XX/XXXX, saying I was not offered a voucher. I felt like I was being given the run around, like this supervisor was looking for every excuse to not honor this dispute, and he was condescending. When I asked who his supervisor one, he said he didn't have one. Outrageous! I will be severing my ties with Capital One 's credit card division in the near future. The customer used to be protected. Not anymore, apparently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BK XXXX discharged in XX/XX/2018. Wells Fargo is the 1st mortgage lender. Had loan for 13 years and NEVER had a late charge or missed a payment. Starting with XXXX of last year, have been trying to get the credit account updated to show payment history. After multiple phone calls and MANY different responses and excuses, Wells FRGO, as of today XX/XX/18, says they are not obligated to do so. They will start to report on XXXX. This is even though the discharge was XXXX of 2018 and/or per their comments didn't receive the BK closing until XXXX. They wont even go back to XXXX and report from there. They also won't report anything BEFORE the bk or during the bk ( from what I have read, they have the right not to report during a BK, even though I paid outside the plan and paid as agreed ). Without a mortgage rating, I might not be able to refinance OUT of this loan and must keep the high rate I have now. I am XXXX XXXX so can do a VA loan now!! for XXXX, it requires 2 years from discharge.

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 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi - Opened a TDbank checking and savings account in XX/XX/2020 using a referral link that advertised {$300.00} and {$200.00} bonuses for meeting direct deposit and saving thresholds. Met terms of the account and bonuses were not paid. TDbank stated that referral link was targeted and thus they would not pay bonuses. I received no message when opening my account that I was not eligible. In fact, I received email receipt that my accounts were opened successfully. I would have no issue if I was told that I wasn't targeted, but I left my funds in their account for almost 6 months. When contacted, it took over a month to get a response from the company that says they offer " legendary '' customer service. I am not optimistic that this will end successfully, but I hope that enough customers file complaints so that TDbank changes the way they honor their promotions.

Company response to consumer: Closed with explanation