BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did receive a notice of attempt to collect debt. My problem with this company is that XXXX XXXX sent a check to settle this de

bt o n XX/XX/XXXX. The company Hunter Warfield confirmed they received the check on XX/XX/XXXX. I am currently XXXX  and XXXX and I really need the receipt in order to move to a new place and I dont understand why it takes so long for them to issue a receipt. I have called several times. Last Friday XXXX  they told me I could access the receipt today. I logged in today and I did not get a receipt, so I called again, and the person on the phone told me it would take and extra 2 weeks to get the receipt. Why it takes so long? Banks clear a check in 7 days and it comes from an agency. This is outrageous. I am XXXX and XXXX XXXX XXXX XXXX, please help me out to get this confirmation of payment as soon as possible.

Name of collection agency : Hunter Warfield Check amount {$2600.00} Account # : XXXX

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 2021-09-11
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.

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 2018-03-22
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX  should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written XXXX XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX. Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to get these accounts updated. I have 2 accounts with XXXX XXXX that were open and now closed that were both paid off. Please look into this situation and either update or remove from my report. These accounts with XXXX XXXX were paid off a few years ago. 

Acct # 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 2018-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was offered the possibility of listings if I complete Broker Price Opinions for a company by the name of XXXX XXXX XXXX otherwise known as XXXX XXXX, XXXX. They requested {$340.00} up front. I signed up and then they assigned me two properties that were not bonafide properties. I was able to verify this and requested cancellation within 10 days of signing up. They agreed to refund my {$340.00} via email. A charge showed up on my credit card statement and I opened a dispute with Chase the day of receiving the statement. I then provided proof that this is a fraudulent company to Chase via fax ( XX/XX/XXXX ) and sent them a copy of the email. I even sent Chase screenshots of their online reputation as scammers. All you have to do is google : XXXX XXXX XXXX. Chase refuses to issue me a credit and is charging me interest. The Chase representative that has called me refuses to let me speak to a superior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: GA
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 sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Riverwalk Financial Corporation
State: MD
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:
This complaint is regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX XXXX. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My Post 911 GI Bill covered this tuition in full. I do not owe XXXX XXXX or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, 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:
Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX  and far along enough to cause an 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 2021-09-11
Company: CITIBANK, N.A.
State: NY
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:
XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX XXXXXXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank 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 2021-09-11
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone except Macys was happy to extend my payments out by a few months except. I was told by Macys that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
In XX/XX/XXXX, I notified Bank of America numerous times about a company fraudulently charging my debit card for products I never rec 'd nor even received bills for. I asked the charges to be credited & future billings to be blocked. They opened up several fraud disputes & issued temporary credits but ultimately WITHOUT ANY PROOF from the vendor, reversed these credits. I explicitly asked BOA to get ( & provide me ) with proof from the vendor that I had received the products & with bills that were supposedly sent to me but they neglected to do so & relied only on a single phone call with the vendor who verbally said the charges were valid. I called BOA numerous times to reopen my claims, credit my acct, & to block future billing. In addition, I met my local BOA branch manager & asked him to escalate the fraud to the regional Mgr. I also pointed out the BOA claim detail was incorrect & needed to be fixed. We both ( again ) called the fraud Dept. to attempt resolution. BOA neglected to correct & reopen my claims & I never heard from the regional Mgr. I spent over 30 hrs & 5 mos. trying to resolve this, ultimately to no avail. 
I received a ltr from the FTC ( XX/XX/XXXX ) notifying me they sued & won a case against this very company that defrauded me out of {$1200.00}. I again contacted Bank of America fraud Dept. asking them to refund my {$1200.00} since the FTC substantiated the very fraud claims I previously reported. I spent another 1 hr & 40 mins with the BOA rep reviewing all the claim data ( dtd XX/XX/XXXX-XX/XX/XXXX ) & she opened case # XXXX ( XX/XX/XXXX? ). She advised me it would be escalated to a supervisor immediately & BOA would contact me. As of today, XX/XX/XXXX, I have ( again ) received no response, no claim has been opened, no credit issued to my acct. & this matter is still not resolved. 
It was bad enough for a vendor to get away with stealing {$1200.00} from my acct. but BOA 's financial neglect to properly investigate the fraud, stop it from recurring & to not properly pursue resolution, is unconscionable & only adds insult to injury.

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 2020-11-06
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:
There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.

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 2020-12-17
Company: ALLY FINANCIAL INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process to refinance my home mortgage on XX/XX/XXXX. Long story short, Ally Bank asked for most recent paystubs on a weekly basis, then denied my application due to change of jobs. The first most recent paystub was submitted on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XXXX and so on. Ally Financial doe snot allow me to keep track of the documents submitted on the account, time and effort in the last 2 months to try to close these refinance seemed ridiculous. I am not certain if it is because of their underwriting department is not promptly processing their deals. I recently changed jobs which led to an increase of my monthly income to 4x more, but is a contract position for 8wks. Ally Bank asked for the proof of my contract and then denied my application, stating the contract must be for over 2 yrs. I explained to my loan officer that as a critical care nurse I do not have a doubt to be able to extend or find another contract in the midst of a pandemic. I contacted my financial officer 's manager regarding their policy to ask for most recent pay stubs through out the entire loan process but she never responded. They also have not refunded me the {$550.00} I paid in processing fee. Ally simply said " You have been denied, goodbye '' and does not realized the amount of time and effort wasted in addition to other good rates I have missed out from other banks.

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 2017-11-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : WELLS FARGO CARD SERVICE Requested Cor

rection : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

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 2019-04-16
Company: EQUIFAX, INC.
State: MI
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 sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX I called Bayview Loan Servicing to make a payment. There was money in a suspense account. The original payment amount is {$580.00}. In the suspense account there was {$290.00}. Bayview told me I could make {$280.00} which is the difference between the original payment amount and the suspense fund. Twice on Saturday I received a call from Bayview wanting payment and my ex husband said they called him 3 times. On Sunday I received a phone call and so did my ex husband. This has got to stop and I will call them on Monday and complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My main concern is that I 've been told that this loan is actually illegal in my state. I still plan on paying it off, but if these loans are illegal in my state they should n't be able to offer them. I 'm struggling to pay it off but I 'll figure it out I guess.

Company response to consumer: Closed with explanation