BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid our mortgage in full as of XX/XX/20 We still have not received any paperwork of the lein release or deed etc.. 
Loancare XX/XX/XXXX sent payoff statement as of XX/XX/20 showing {$0.00} balance Here 's the issue. 1. Their only phone number listed XXXX only gives you balances and NO option to speak with a person. 2. Their websites contact us does not allow you to contact them, no e-mail no nothing! The only thing I was able to find is this sites info ( I'm on now ) ( probably because it's a law ) I we can not contact them how do we find out where our documents are????

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 2018-09-25
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is in regards to an erroneous collections account with Enhanced Recovery opened against me by XXXX in 2015. 

I never received notification of the collection account being opened, and when learning of it ~8 weeks ago after having my credit pulled for a home loan I contacted XXXX Support. They discovered the account was opened in error and had the balance ( about {$80.00} ) on the account set to {$0.00}. However the collections account still shows on my credit report as " Paid in Full '' even though I never paid ( XXXX had the balance canceled ) - I simply needed the account deleted as it is impacting my credit and my ability to close on a mortgage. 

I was told by XXXX support that I would receive written acknowledgment of the account closure, but this never came. I have attempted to get acknowledgment again but have been told that now that the account is closed there is nothing that can be provided, either in email or physical form.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Equifax and XXXX credit file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, Bank of America has sent me an alert on my phone saying my debit card was blocked at a XXXX, i informed them that I did not authorize any transactions, they declined my card XXXX  times but XXXX XXXX they allowed the charges to go through, with this alert is when I have realized that my card had been lost, I have open the dispute, the card was used on the same spot where i had them blocking XXXX other transactions, being just the first out of the XXXX going through, again, at the same store. They have refunded me an extra {$10.00} that was spent prior to the one at XXXX in the amount of {$130.00}. I have been their client since XXXX, and they have sent me a letter saying that I have lost the dispute, why would they refund me the transaction done prior to that one, block the other XXXX at the same place and not refund me on the first one?

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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The complaint is regarding my Chase Sapphire Preferred Card and ability to file customer complaints with Chase. 
1. I had a reservation booked with points at the time I closed my Preferred Card. It was voluntary closure as we decided to open Reserve card in stead. As my travel plans changed, I had to cancel that reservation. Chase declined to give me back points worth ~ {$450.00} that were used for the canceled reservation or to transfer them to my new card. Stated reason was that rewards not used withing 30 days of cards closure are forfeited. However, I started attempts to claim the reward points or cash equivalent back immediatly upon canceling the reservation. 
2. Chase does not give customers ability to open complaints and track their resolution. When I attempted to file complaint regarding the above issue, I was told that when/if Chase representatives create complaints, they send them elsewhere to be processed. They do not give complaint numbers to customers to allow following up on resolution. There is no way for customers to know if complaint was actually filed, and no way to learn how it was resolved. Moreover, it was only from the third representative agreed to file a complaint on my behalf and the two just flat out refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: TCF NATIONAL BANK
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My username and password has changed somehow so I can't make a payment. I try to reset my username and password but the website is asking for information I don't know or don't have in order to do it. So, I try to call them and I'm put on eternal hold and can't get through to an actual person. Meanwhile, I'm 2 months behind and have absolutely no way of paying my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: AL
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:
In XXXX I entered in Bankruptcy Ch XXXX. 
In XXXX I looked into my credit after being refused a job based on my credit report and found that 1 account was still showing as a collection, and was also updating the amount with added interest. I disputed this with XXXX  and they deleted it because it was being reported incorrectly. I have disputed this account 6 times including 1 reinvestigation, the next and last dispute included the paperwork from my bankruptcy attorney as proof to them and within 1 week I was told again that I was wrong. I understand the 30 days to respond but they do not seem to take the time or willpower to actually report this account correctly. This collection along with bankruptcy has cost me in high insurance payments and the ability to obtain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2021-02-26
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, Tx XXXX I have previously disputed this item with you US Bankruptcy CourtXXXX XXXX XXXX Case Number XXXX and XXXX and in response they verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
ON XX/XX/2021 I SENT THE THREE CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.

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 2023-03-27
Company: EQUIFAX, INC.
State: LA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2019-11-05
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:
Transunion and XXXX  are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}

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 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
120 days plus now and I dont have a replacement card but they continue to try to extort me for money for the account.
permanent closure demanded multiple times for violations of cardholder agreement ( " the CONTRACT '' ) which is long time now VOID. No debts can, will be collected nor will accts be resold or posted to any bureau. since I havent been late- all late charges and reporting will disappear.
so will all account reporting. these accounts will go away as if never opened, and I will not be slandered further, or marketed to EVER. nor will my grandchildren 20 generations deep or more. 

company will remove all social media postsand accounts immeadiately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit report an item that isn't mine Castle credit counseling holding date opened XX/XX/2018 amount XXXX which isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine and my identity may have been stolen which I have included with this letter. I have listed the accounts below. Its identity theft for sure and I do not recognize these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2018-02-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to a XXXX dealership in XXXX, FL in 2017. I requested to ONLY run my credit through XXXX ( XXXX XXXX XXXX XXXX ) if they wanted me to buy a new car. Unknowingly to me they ran my credit through lots of agencies before coming to me and saying I don't qualify with XXXX unless my husband co-signs. Reluctantly he co-signs and I am approved. Now I am seeing multiple agencies I did not authorize them to run my credit, showing as hard inquires. Whats worse is that XXXX will only show on my husbands credit not actively on mine because he is listed as the main owner when I specifically asked them to make me the main owner. They kept lying saying I am. I need these off they are affecting my credit I am working hard to build. 
The following companies ran my credit without my knowledge or written approval. 
Td Auto Fina XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to a debt that is listed on my credit report as XX/XX/2017. The information is being reported by IQ Data International ( original creditor XXXX XXXX XXXX XXXX XXXX, GA ). IQ Data International is reported inaccurate and fraudulent information. Several disputes have been made with all three credit reporting agencies over the past year. The company has not provided proof of the debt. The amount due increases monthly and has resulted in a negative credit rating and financial hardship.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, My name is XXXX XXXX and I was discriminated by Discover Card Services. I received a call on XX/XX/2018 at XXXX Pacific Standard Time. The agent from Discover was named XXXX which is short for XXXX and is apart of the Discover Security Department. The phone number used to call me is XXXX. During this phone call, the associate XXXX, violated my protected rights under the Equal Credit Opportunity Act. 

During the conversation, XXXX inquired about my age and asked me to confirm my age. What is important here is the fact that the reason for inquiring about my age had nothing to do with verification or customer security. My information was already verified. She then proceeded to verbatim state, " You are really young, are you sure you still continue using the account? ". 

Immediately, I let her know she is in clear violation of ECOA. Age is clearly a protected class and there was NO reason for XXXX to use my YOUING age as a reason of whether I still want to use my account. I am very offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo is involved in fraudulent bank practices again. There was a misunderstanding with the city of XXXX as I opted for installment payments but a legal order was placed on my account, which I got it rectified with the city of XXXX on XX/XX/18 but Wells Fargo charged me a legal order processing fee of {$120.00}. I believe this to be a ripoff. I was never made aware of such a fee and I called to have it reversed and was told that it was in small print on page 46 of a supposed booklet or packet I received when I first signed up. I have had Wells Fargo for years and this is an outright scam. The lady on the phone said she could give me a partial refund but I want a full refund of my {$120.00}. Very dishonest banking practice. I will be closing my account and never banking with Wells Fargo again. I will also notify and warn other users on my social media and family and friends to beware of 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 monetary relief
Consumer complaint received 2023-05-18
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred an amount of {$10000.00} on XX/XX/2023, and {$15000.00} to Wise Inc. on XX/XX/2023 through wire transfer from my bank account. These were already both deducted from my account the same day then Wise closed my account after receiving all these money on XX/XX/2023. I called in today XXXX XXXX ( XXXX ) and they said they didn't know why my account was closed and they would get back to me after 30 days for them just to perform some review without guarantee that my money will be returned. 

I want this resolved as early as possible as those are for my child 's medication ; hence, the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: NJ
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 help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2021-02-26
Company: ENOVA INTERNATIONAL, INC.
State: VA
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:
We filed bankruptcy ( XXXX XXXX XXXX in XXXX XXXX XXXX and Net Credit was included. At first, they called a few months after it was settled and I referred them to my attorney. They continued to put this as a delinquent debt on my credit report and I did not realize that was wrong until emailing my attorney about it. He said they could be in violation of " the stay and discharge injunction '' and he is writing an official letter to them. In the meantime, he recommended that I report this to you so that it could be resolved even faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: AL
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:
Equifax reinserted 3 collection accounts that were removed from my credit report. I contacted Equifax to fix the problem and spoke with a XXXX in the executive office. She has yet to fix the problem.

Company response to consumer: Closed with explanation