BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I set up automatic payments on my new home mortgage. My first payment was due XX/XX/XXXX. I checked the website on XX/XX/XXXX and my payment was still listed as unpaid. There was no record on the website of an automatic payment being in effect or of any pending payment, so to avoid being overdue, I manually submitted an automatic payment. However, my payment was then drafted twice, which over-drafted my checking account. 

I contacted the company 3 times by secure message on their website asking to have the extra payment reversed or to be compensated with interest and received no reply for over a week. I also contacted the call center multiple times. Each time, I was unable to speak with a representative. The automated system kept me on hold for several minutes and then directed me to leave a voicemail so that my call could be returned. Each time, my call was never returned ( even a month later ). 

When I finally did receive a response to my written complaint submitted via the website, the company refused to take any corrective action, claiming that I have received a confirmation that auto-pay was in effect. This is true, however, as I stated previously, there was later no way to verify that the automatic payment was still in effect or that any payment was pending via the website even after the due date for my first payment. 

I decided at this point to just give up and assumed the financial loss they caused me ( lost interest and investment gains on funds ) was not worth the effort of fighting further. 

However, on XX/XX/XXXX, despite this payment already being paid in XXXX, my payment was auto drafted again. Therefore I am now out {$1400.00} for a second consecutive month. Furthermore, I do not know how to correct this going forward and the company is nearly impossible to work with.

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 2018-03-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call on XX/XX/XXXX re a direct deposit account they said I opened in XX/XX/XXXX. I did not receive direct deposit at that time. I was told my account had gone into default and they were taking me to court to collect over {$1200.00}, the original amount being around {$500.00}, and I would also be responsible for attorney fees and court costs. I was told that because it was a direct deposit account items had been paid against that account. However, I had no automatic bills to be paid at that time as I had lost my direct deposit job in XX/XX/XXXX due to the economic downturn. I have never received any notice of this debt in the past. I am astounded that I am getting a call threatening to take me to court unless I pay the money owed immediately without having received any prior notice. They said they are willing to work with XXXX XXXX to reduce the amount, but it must be paid in full immediately. I was also told that I would receive a 10 year judgement. My daughter was with me during the call and looked up the phone number they called from as well as the name of the company. She yelled into the phone that this was a scam and she was reporting them to the CFPB. The person on the other end immediately disconnected the call.

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 2019-11-15
Company: Colony Brands, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 received a credit card statement from XXXX XXXX with a balance of {$860.00}. I did not open a credit card account with XXXX XXXX. I have never had a credit card with XXXX XXXX. I believe I am a victim of fraud! I called XXXX XXXX this morning as was told to file a complaint with FTC. XXXX XXXX stated filing a complaint is the process I need to go through to rectify the situation. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following ITEMS from my file. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2018-02-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, XX/XX/2016, amount XXXX . 

I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off 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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. XXXX and TransUnion ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with XXXX and XXXX on XX/XX/2021. XXXX XXXX TransUnion are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an XXXX or XXXX supervisor or executive detailing where I gave XXXX or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved

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 2020-01-26
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello Staff, As you read my experience, please let me know how to get this loan withdrawn. 
I visited the location on you chose for me on XX/XX/20 only to be misinformed and bullied into a loan while I was under the influence of XXXX and other XXXX XXXX  drugs. 
1. XXXX introduced herself as a representative of XXXX XXXX XXXX, I had to stop the XXXX for this introduction. 
2. I told her my annual salary is less than thirteen thousand dollars and I don't work full time. 
3. She said she will take care of it, walked away from the XXXX  XXXX  and I resumed XXXX. 
4. She interrupted the process again to state I was approved for a loan with XXXX XXXX or XXXX XXXX and XXXX  is offering XXXX XXXX XXXX XXXX dollars thus the costs will offset. 
5. I wasnt told my credit history is required neither did I grant her permission to do so. 
6. I drank XXXX  XXXX which the XXXX  said will calm me down and check my XXXX XXXX to XXXX. 
7. About five minutes after XXXX returned and told me XXXX awarded me XXXX XXXX XXXX XXXX dollars for treatment. 
8. I couldnt celebrate because at that time I was really drowsy and wanted to go home. 
9. The XXXX  then informed me of a XXXX  XXXX  in my XXXX  which is going to my XXXX  and could lead to XXXX. 
10. Two years ago I attended my Moms funeral only to learn that she was XXXX before her last days, this scared the heck out of me. 
11. The XXXX also said that I must XXXX  the XXXX  today or the worst could happen. 
12. I agreed, no cost was discussed. 
13. I received XXXX XXXX in my XXXX  XXXX  XXXX. 
14. Then the woman from the reception area asked me to sign some papers which I did sign based on her showing me where to sign but did not read anything or was the document explained to me. 
15. Two days later I read the documents and realize the cost for work on my mouth ( XXXX  XXXX  for XXXX XXXX is XXXX XXXX XXXX dollars. ) 16.  Actually I did not receive a XXXX but that was a form of deception used by XXXX. 
17. I contacted LendingClub by email on XX/XX/20 asking for a copy of the application and an explanation of my approval for the Loan. She refused to provide me any document and suggested a phone call for me to verify my account. 
18. I emailed XXXX XXXX from XXXX XXXX XXXX  on XX/XX/20 asking for an explanation of the approval process but did not get a response. 
19. I called XXXX on XX/XX/20 about XXXX XXXX, spoke to XXXX XXXX who informed me that my application is showing a annual gross income of {$0.00} but I was approved based on my credit history. 
20. On XX/XX/20 I received another offer from LendingClub showing an increase in loan amount from {$11000.00} to {$14.00} and interest rate of 26.99 %. 
21. On XX/XX/20 I was rushed to the emergency room at XXXX XXXX Hospital due to XXXX  of the XXXX  and had corrective work done on the same XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 a 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. 1681s-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.

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 2022-12-10
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: Card was charged for something you did not purchase with the card

Complaint:
I reported my card stolen in XX/XX/2021. There were charges on the card total lying {$2700.00}. 
They rejected my fraud request and said I had made the purchases. They were almost all in areas outside my local area. I filed a police report also for the theft. Bank of America rep says most like the reason for the rejection was the fraud claim was too large. Rep on the phone could see its obviously fraud. Bank says they cover card for fraud so its fake advertisement by the bank. My case number with Bank of America is # XXXX. If go to the bank they tell me all i can do is call a number that I can't get through to.

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 2021-03-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I noticed there was fraud on my account I went in to change cards at which time I believe my whole account total balance was not transferred into my new account. Attached are receipts and bank deposits that dont coincide with the bank records as well as the balance to account is never credited nor recorded in deposits. I went in another time to make aware and was threatened to be removed from the building for bringing it up by 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 2021-04-30
Company: SERVICEMAC, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is in response to a closed complaint which has NOT BEEN RESOLVED! The complaint ID is XXXX. The company has shorted me almost {$4000.00} on my mortgage payment but they don't think so although i have proof that their calculations are wrong. No one will call me back and will not look at the numbers to fix the problem. This company is stealing my money and won't get it fixed,.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting fraudulent inaccurate information on my credit report I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually a account that belongs to me

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 2022-12-11
Company: Radius Global Solutions LLC
State: VA
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:
They claim this debt was on XX/XX/2022 and that I owe {$72.00} but I always pay my bills when they come in the mail ( from places I know I've been such as my doctors offices, etc. ) & I'm up to date on all my payments. It says very clearly on this CFPB website that they can not send this collection to my credit report until they've spoken with me about it directly ( my guess is that means over the phone ) or in-person, which no one has ever done. I would definitely remember that & it would explain what this debt is/where it came from. I have tried disputing this directly thru XXXX XXXX & they did absolutely nothing to help me.

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