BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: First Data Corporation
State: PA
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/2018 my family member XXXX XXXX stole my debit card and withdrew {$500.00} from my account. I noticed this the next day and reported this to my finacial institution. I advised them that my family member knew my pin # and i did not authorize this. My financial institution advised me they are cancelling my card and sent me a new one. I waited 30 days for the dispute process in which they denied the claim due the person using a ATM that i use as well. I explained to them this is the ATM i use all the time and its right by my house. They advised me to send a hand written appeal with all the details of what led up the theft of my card. I did so. This was an additional 45-90 day  process. I waited the necessary time frame and reached out to them for an update. My financial institution then advised me to get in touch with the ATM this happened at as this is the only way i can get my money back. I advised that i don't see how this will fix anything seeing that i do not have an account with that bank i have an account with them. I reached out to the merchant anyway and they advised me of the same thing. There is nothing they can do since my account is not with them.I have provided this company with my family members name, address, and advised he is currently incarcerated and where. When you call the customer service number they clearly state if you card is lost or stolen you are protected. This is not true. My financial institution is XXXX XXXX XXXX XXXX. I have had this account for 5 years and have all my deposits on this account such as direct deposit from both my jobs and income tax every year. The ATM i used is XXXX XXXX and dont feel they have anything to do with this situation they were just the ATM used.

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 2021-05-09
Company: Crossroads Systems Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied XX/XX/30, was approved XXXX for a PPP loan. I signed loan documents XXXX with XXXX / XXXX XXXX as the lender. It has been over 18 business days and I still have not been funded. I have created OVER 20 support tickets to be contacted, called XXXX XXXX for a call back, in addition to emailing the CEOS of XXXX and XXXX XXXX with no response. I have a loan number on the XXXX  website, but no movement as far as funding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: FL
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and Transunion should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this 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
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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 applied for menards capital one card in store XX/XX/21. XXXX XXXX XXXX XXXX, XXXX IL XXXX. I purchased {$4800.00} in appliances. I was told that i would receive the card in the mail. I never received the card. the menards customer service agent incorrectly input my address. i never received the card and the statements. i have always paid by bills on time and never had any lates. i was notified a few months later that i was delinquent on my account and I paid my balance in full. I disputed directly with capital one and they said they will not removed lates. I was also charged {$370.00} in lates and fees. I am trying to buy a home. I have never had any lates before and now my credit is badly damaged. I believe this is not a fair representation of my credit profile. I believe that capital one should remove the lates and should consider my payment in full as evidence of my good will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Receivables Management Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Resurgent Capital Services L.P.
State: WA
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 noticed I have a negative account being reported on all three of my credit reports from XXXX XXXX. I have not had an account with XXXX since 2005. Their responses have been interesting. I requested validation of my debt and I did not receive anything with my physical signature. There is absolutely no original contract or paperwork. What they sent can be easily falsified and printed. This is not a validation of a debt. They gave me the run around. I requested proper validation twice with a response that they assume the debt is valid unless I do a third disputed letter. That's not how federal law works. I only need to send a request once. They also tried to give me the run around stating that they don't handle my account even though they're the ones reporting on my credit reports. It hasn't been very easy with them and at this point I am following my attorney 's instructions. I am reporting this to you, the CFPB, and the attorney general. I also request to get their Washington State 's representative 's contact information just in case I need to go to court. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this 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
Consumer complaint received 2020-05-09
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized use of my debit at an atm in XXXX XXXX and at same time they used the card to make purchases at XXXX XXXX. I always have the card with me. I never make purchases with it. Tcf is saying it is me according to the chip reader and are not willing to investigate further. I have filed a police report and tcf seems uninterested. They have done this a couple times a month since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apple Card closed my account after they claimed disputes of the goods i had used. I had contacted Apple with the hope of a resolution but I have not heard back. I would want AppleCard to reinstate my account fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
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 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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
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:
Have filed complaint twice now. This will be third. They have violated FDCPA law which stated they must contact me within 5 days with written proof of debt after initial contact. Which was when they sent this to collection which was either on XX/XX/XXXX and they have sent me a pdf of a letter they claim they sent that I never received with a date on it as XX/XX/XXXX and obtained the debt XX/XX/XXXX according to them and started reporting in XX/XX/XXXX and all this without proof. The date that shows on the credit report curious enough is XX/XX/XXXX. They claim they have no control over what the credit bureaus report but I see no reason as to why the credit bureaus would report it before they even sent thethe debt in question to collection or how they wouldn't have control since it is refreshed by them every month.

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 2020-11-06
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020 we entered into an agreement with Freedom Mortgage to refinance our home utilizing an IRRL. From the onset, we discovered that the loan estimate was incorrect, as it included collection of property taxes, when we were not subject to property taxes, due to exemption for XXXX XXXX VA XXXX. We asked to have it fixed, it was never fixed. 
We were contacted over a period of weeks reference the errors, by underwriting and we provided all the necessary documents and presumed the issue was resolved. We were contacted in early XXXX to set a closing date, XXXX XX/XX/XXXX. At that time we expressed the need to have final disclosure documents. We were assured we would receive them, so we set a closing date, but did not receive final disclosure documents. 
The night before our scheduled closing we were contacted by the notary and we cancelled closing, based on the fact that we had not received final closing disclosure documents. I placed a call to Freedom Mortgage and was referred to an Escalation Specialist, XXXX XXXX who took our concerns and agreed to have the errors fixed. She asked for a week, and a week turned into months ; no action was taken. 
In late XX/XX/XXXX, XXXX XXXX, the loan originator reached out to us and said he had received news that we wished to withdraw our loan application. We expressed to him that we had not, and explained we were waiting on Freedom Mortgage to fix the errors we had described. 
On XXXX XX/XX/XXXX we received notification our loan was approved and that we should schedule closing. Therefore we called to schedule closing. We expressed to the agent that by law we should receive the final disclosure documents no later than 3 business days before closing. We were told by the agent, that it was not by law, it was by request and we needed to request those documents if we wanted them. We made an appointment for closing on XXXX XX/XX/XXXX. Later, we were transferred to XXXX XXXX and placed our request for the final disclosures. She assured us, that we should receive final disclosures by XXXX XX/XX/XXXX and she agreed to call us on XXXX XX/XX/XXXX to go over the disclosures. We did not receive disclosures or a call from Ms. XXXX. 
On XXXX XXXX we were contacted by the notary, to verify closing. We informed her, that we had not received final disclosures and that we would not be closing on XXXX XX/XX/XXXX, as scheduled. On XXXX XX/XX/XXXX, we sent an email to Freedom Mortgage withdrawing our application to refinance our home loan with their business.

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 2021-08-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX, XXXX Ga XXXX.This house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this loan with XXXX, XXXX. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case .Spouses BRC XXXX US FED BRC XXXX  DISTRICT OF GA. XXXX XXXX  , ACCT NUMB XXXX XXXX FOR YEARS XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX TransUnion, and XXXX   regarding inaccuracies in reported accounts contained on my credit files on XX/XX/ 2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.

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 2018-04-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were recently transferred to XXXX XXXX without my prior consent by my prior lender ( XXXX ). The transfer canceled scheduled auto-payments I arranged with my prior lender. Now, with XXXX XXXX, I have tried repeatedly to schedule recurring auto-pay through their website. Despite following all steps to schedule recurring payments and seeing a screen tell me I successfully arranged auto-pay, my account continues to state " no scheduled payment '' several weeks later. This setup seems designed to make people miss payments on their loans. 

Moreover, the Heartland website 's online chat function does not work and their customer service is terrible. I have been on hold on the phone for > 30 minutes trying to get reach a XXXX XXXX customer service representative to fix the issue and have yet to reach someone. This company warrants auditing by the CFPB. The poor business practices seem intended to induce default / missed payments and collect fees. I have never missed a payment and never had these problems with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ERC
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: Account information incorrect

Complaint:
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$900.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KOHLS/CAPITAL ONE failed to give me proper validation of this debt. 

I mailed KOHLS/CAPITAL ONE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA USA transferred simple accounts to their service on XX/XX/21 XXXX of the accounts could log in They had no tech support No way to contact the company XX/XX/21 instructed to call customer service.. 
Multiple customer service agents answering, claiming they can't hear, and hanging up. Repeatedly. 
No way to access funds No access to debit card No way to contact bank No way to get into accounts at all due to mismanagement.

Company response to consumer: Closed with explanation