BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On Friday XXXX XXXX, 2016 I called Transunion and XXXX to let them know that they were inaccurately reporting personal information, specifically addresses on my credit report. XXXX agreed to delete inaccurate addresses that I am no longer associated with specifically the address : XXXX XXXX ca XXXX - Transunion added this address to my credit file and i have NEVER been associated with this address. This address can not be verified by any means as i have never been associated with this residence. They also added XXXX XXXX XXXX XXXX an old address i am no longer associated with. Reporting these addresses on my file inaccurately is putting me at a high risk for 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called KIA Finance to correct the improper reporting. They said I was 4 months late XXXX, XXXX, XXXX and XXXX on my payments which was a lie. My payment was {$600.00} I sent {$1000.00} every month to pay {$390.00} on the principal. Then I paid {$10000.00} in XXXX because I wanted it off my credit by XXXX. They not only made me lose a mortgage, they made me lose {$100.00} to the inspection company for canceling the inspection at the last minute. My credit was PERFECT with this company. NEVER LATE EVER!

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 2022-08-04
Company: Brock & Scott, PLLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.

Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335. 

They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors. 

Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly. 

They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I am unable to determine the expiration date of my 0 % promotional rate on my existing balance transfer. The information is not available anywhere on the website, or on any of the PDF monthly statements. I would like to know when my promotional periods ends, so as not to incur any interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX Wells Fargo Bank took {$15000.00} from my wife and my business checking account - my wife and I were using that money to survive - to pay food bills, XXXX XXXX XXXX XXXX bills, and basic needs. We have a small business and like millions of Americans suffered financially in the Great Recession. I was hospitalized several times due to XXXX  and severe business financial loss. 
the woman from wells fargo who called me was very mean spirited, abusive, threateing XXXX XXXX or XXXX   is her name. 
prior to seizing the {$15000.00} from our account., Wells Fargo XXXX stole '' money from XXXX XXXX XXXX personal life savings which the terrible vultures have since returned. 
I felt like XXXX XXXX XXXX XXXX  XXXX against the evil unremitting police detective It was evil to take money from people in mid seventies I would have worked out a repayment deal with these unforgiving merciless XXXX XXXX - white collar criminals I would be willing to work out a repayment if they return the {$15.00} we were advised to file BK, and did not for we want to repay people who trusted us to loan us money ( Wells Fargo included ) They did return the money they took from my wife 's account ( taken before XX/XX/XXXX and the amount was about {$17000.00} - the rats returned it. Possibly because they took the money from my wife 's personal wells fargo savings account and probably did so illegally - Wells Fargo has put {$250.00} XXXX dollars in a fund to pay back people they defrauded in the credit card scam they ran. 
Wells Fargo further deceived us by telling us we had to open a loan ( line of credit ) in order to get our house financed buy Wells Fargo. 
I am so hurt and angry at what Wells Fargo did to my XXXX year old wife and myself I pray justice is done 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 monetary relief
Consumer complaint received 2020-11-02
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing items from a merchant for clothes. The merchant stop responding and I did not receive my items. I continuously called and texted her everyday until she never texted or returned my calls.The merchant later blocked me so I could NOT contact her. I called my bank to dispute the charges letting them know I did not receive anything from the merchant and she stop responding My bank went on with the dispute and gathered information for me.Later in the investigation, they said they needed additional information which was provided. I provided them with the information and continued to tried to reach out to the merchant.I was told multiple times that this would work out in my favor and I provided enough documentation for the investigation. This investigation has been going on since XXXX. Tuesday,, they reversed the charges and told me they are not able to do anything and they can not escalate the claim. This is ridiculous because I have provided enough documentation previously for it to work in my favor and that I have enough proof. The money came off my debit card through XXXX XXXX now they are saying they are unable to help. I have been scammed out of money 3 times and the bank did NOT help after having documentation and being reassured that I will win my case. I also have documentation of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I was in a call according to my account and they were telling me that I needed to have {$500.00} daily, which I believe its very unfair because they never told me that. And theyre taking funds out of my account without my permission and my account has been froze. This is very unacceptable by Wells Fargo.

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 2023-07-20
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to them not billing my insurance correctly. The date of service was XX/XX/XXXX. I received my first bill in XXXX and immediately contacted them to let them know they billed my insurance incorrectly. I had sent in the correct insurance information and followed up monthly until XX/XX/XXXX. Not only were they billing my insurance incorrectly they stated they sent in the claims and never did on multiple occasions. They also claimed they put a hold on my account to stop it from going into collections. After my insurance made their payment my balance was XXXX XXXX and I requested an itemized statement. I then started receiving phone calls and letters from Transworld systems incorporated which is a collection agency attempting to collect a debt which was MORE then the original bill as my insurance negotiated for a lesser fee. I sent in my itemized statement from the original billers and they told me " sorry our system shows you owe ''. I said someone needs to contact XXXX to have this removed from your system as the debt is invalid. I also called XXXX who stated that they would " followup '' with the collection agency. A week later they didn't and after speaking with a supervisor was told " the ticket was closed as my account shows a XXXX balance so no one contacted the collection agency ''. The collections agency is illegally billing me when I have Medicaaid and the debt has been paid in full. They are harassing me for a fraudulent debt, and refuse to stop after I've provided evidence from the original debtor that my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT.I 've proactively remembered this report from a past letter and I am including it oncemore. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I noticed charges to my checking account that neither my wife nor I authorized. I promptly called USAA and described the five charges that were not made by either of us. The merchant 's name for all 5 is " XXXX XXXX XXXX XXXX XXXX On XX/XX/, I was charged {$41.00} ; on XX/XX/, {$28.00} ; on XX/XX/, {$54.00} and {$1.00} ; and on XX/XX/XXXX, {$100.00}. 

The first letter confirming my dispute should have included the XX/XX/, charge of {$1.00}. Instead, USAA only included a XX/XX/XXXX  charge of {$41.00} ; a XX/XX/XXXX  charge of {$28.00} ; a XX/XX/XXXX  charge of {$54.00} ; and a XX/XX/XXXX charge of {$100.00}. Additionally, that a provisional credit would be applied to my account. 

I received a rejection letter that evening after calling USAA on Wednesday, XX/XX/XXXX, to notify them of their failure to include the XX/XX/2023, charge of {$1.00}. USAA 's rejection letter notes that they have " determined that the listed transactions are not fraudulent '' and " this concludes our investigation, and no further action will be taken. '' Additionally, the provisional credit applied to my account would be reversed. 

I immediately called USAA to invoke my right to " request information or documentation [ they ] relied on to make [ their ] decision, '' as stated in the rejection letter. The USAA customer service representative noted my request and told me I would have a response on whether the documentation would be released within the coming days. I questioned for clarification, to ensure I understood, that I was invoking my right to " request '' information, so did that mean I was not entitled to receive them? The USAA then gave me the impression that the request was a mere formality. 

I have never been to a XXXXXXXXXXXX XXXX XXXX XXXX XXXX  While I live in XXXX XXXX, neither my wife nor I were in XXXX XXXX during some of these transactions. Moreover, she and I were at work while some of these transactions occurred. 

I am disheartened that USAA fraud investigators contacted her nor me to question anything about these charges. Instead, we have lost {$230.00} and become fraud victims.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc # XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/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 2019-11-23
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft I have contacted credit bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that the item came back validated even though the information is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX chime bank, close my account with no warning I have over {$550.00} in my account and they wont release my money to me. I have called them every day anywhere from 2 to 6 times a day trying to get information as to why they closed my account, Ive been asked to give them copies of my last four deposits, copy of my drivers license proof of my address. Ive submitted all this information more than once and the supervisor informs me that the team that works on reactivating your account only works via email. Only the supervisor tells me they just have to submit another email with the priority because I have not been able to eat in seven days because they have my money, they tell me to patiently wait that its gon na take another 24 to 48 hours before they can reinstate my account but theres no guarantee that they can reinstate my account and they told me to patiently wait. Ive gone seven days with no food I keep getting dizzy dont know that I can wait another 24 to 48 hours. I continue to get the same email from Chime. I will copy and paste it here they just change the name at the bottom as to who its from. This is the email response I continue to get. ( Hi XXXX, Thank you for reaching out to the Chime Member Protection Team. I'm sorry to hear about the difficulty you're experiencing with your Chime account. 

For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits. 

To help us validate the deposits, please contact the source of the funds to verify them as the source of the deposits and yourself as the intended recipient. In the meantime, I invite you to review the Chime Deposit Account Agreement. 

We regret any inconvenience this may have caused. If you have further questions, please respond to this message or give us a call at XXXX. 

Thanks, XXXX | Member Protection Team )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2017-05-25
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been awaiting short sale approval since  XXXX   XXXX  2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested  XXXX ,  XXXX   XXXX , an d Dodd fr ank were all updated and provided as of  XXXX   XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief