BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check via ATM on XXXX. A hood was out on the deposit. {$220.00} was supposed to be available on XXXX. On XXXX I tried to withdraw {$200.00}. I was charged {$35.00} to do so. I called customer service and asked for the hold to be removed as I needed to make my car payment. I also asked for the {$35.00} ti be waived. Customer service told me there is a 10 day hold on the deposit. They said an alert came up that the might be fraudulent. They suggested I have the person to their bank and have their bank call Wells Fargo to confirm the check was good. My friend called their bank and their bank told them the check had already cleared they bank and Wells Fargo had the money. I called Wells Fargo again and asked them to release the hold. I was told once a hold is put on a deposit I have to wait the 10 days. I asked how is that legal when they already have the money. They said they couldnt help me!! I needed that money for food and to make a car payment which I will now have to pay a late charge. How can this be legal. I wonder how many people they do this to and get away with it

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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
multiple attempts to collect on a debt that has been charged off. 
I did mistakingly make a payment via Credit / debt card for {$1800.00} on XX/XX/2018 but our back deemed the charge a fraud and canceled the transaction, i have attached the emailed letter sent to me. A XXXX search of the number they call from shows multiple fraud complaints and unfair attempts to collect on old non existent debt. 
i believe it may be an XXXX XXXX Mastercard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Paysend US LLC
State: CO
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, {$950.00} was taken from me through a XXXX party app called Paysend. I had gotten an email from XXXX and clicked it. I had entered in my card number to receive {$10.00} but instead, {$950.00} was taken from me from a scammer. This purchase was unauthorized and I talked to my bank the same day it happened. I talked to them an hour after I noticed what had happened. They had sent me a provisional payment about XXXX weeks later but on XX/XX/XXXX, I got a letter in the mail explaining that my provisional payment would be revoked due to documentation from Paysend. I have reached out to my bank in attempt to understand what documentation this would be because overall, this purchase was unauthorized. I also reported the incident on the same day and upon looking up some information, I found multiple sites stating that the most they would be able to take from me is {$50.00}. When I called the bank, I couldnt get ahold of the right person after being on hold for XXXX hours and transferred multiple times. I have screenshots of the incident which is my documentation that the purchase is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took a 0 interest balance transfer and during the time I opened the balance transfer I made a purchase of {$6.00}. I began noticing a XXXX cent interest charge each month. On XXXX XX/XX/2023 I called Citi XXXX to find out why I was being charged interest on a 0 % balance transfer. The associate I spoke with was nearly impossible to understand. His accent was so strong. This associate told me the purchase I made was accruing interest and I would have to pay the balance of the balance transfer before Citi would apply payments to the {$6.00} purchase I made. I told the associate that I had been paying {$600.00} per month when my minimum payment is only {$110.00}. I demanded him to pay the {$6.00} balance first. He said he couldn't. I requested a supervisor. I was able to have the supervisor pay the {$6.00} and return the interest charged. I checked online with the regulations in the Federal Register regarding interest and payments. I found in Section 1026 that banks must pay any overage to the interest accruing balances first. I decided to file a complaint. If Citibank is doing this to me they have to be doing it to others.

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 2019-01-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management sent the enclosed letter on XX/XX/XXXX when I got it, stating they have tried to contact me several times I request a copy of there mail receipt showing there documents sent to me.. a certified copy of a alleged contract with myself the furnisher and Midland on the original contract. Threatening me with a law suit after claiming they contacted me with no evidence. The enclosed letter was fax to them on XX/XX/XXXX only after I called them for the fax, First refusing to give it to me Because I said I was recording to as they were..Please not the letter sent to Midland Section 73 American Jurisprudence { Am Jur } 2nd Sect 93 Stats that a third party can NOT enter to or on a contract, Subrogation does not exist for a stranger not originally name on a contract where bought sold traded, given please provide all documents that I request in my letter faxed to you in deTail Every thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Illegal use of debit card. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my Capital One Debit Card was charged {$9.00} by XXXX  XXXX XXXX XXXX XXXX  XXXX TX. 
Capital One advised me XXXX  XXXX XXXX XXXX XXXX  XXXX TX is a parking garage. 

I did not make or authorize these charges. My card never left my possession and I never shared my PIN. 
The charges continued even after the Debit Card was replaced.

I observed each fraudulent charge after using the Debit Card at XXXX XXXX. 

Capital One initially ruled in my favor and reimbursed the funds. 

The XX/XX/XXXX and XX/XX/XXXX claims were denied because a CHIP and PIN were used. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my XXXX XXXX  XXXX XXXX XXXX ( XXXX ) Debit Card was charged {$9.00} by XXXX  XXXX XXXX XXXX XXXX  XXXX TX. These are the exact fraudulent charges that appeared on my Capital One Debit Card Statement.

I did not make or authorize these charges. My Debit Card never left my possession and I never shared my PIN. 

I observed the fraudulent XX/XX/XXXX charge after using my Debit Card at XXXX XXXX. 

The XX/XX/XXXX fraudulent charge appeared on my XXXX Statement after a purchase made with my XXXX Credit Card ( not XXXX  Debit Card ) at XXXX XXXX 

The XX/XX/XXXX fraudulent charge appeared after shopping at the XXXX XXXX XXXX. 

XXXX would not accept claims for the XX/XX/XXXX and XX/XX/XXXX fraudulent charges because the claims were not initiated within 90 days of the charges. 

XXXX denied the XX/XX/XXXX claim because a CHIP and PIN were used. 

Summary : 1. All charges appear as XXXX  XXXX XXXX XXXX XXXX  XXXX TX 2. Each fraudulent charge is exactly {$9.00} 3. The charges appear after shopping at XXXX XXXX ( multiple locations ) and the XXXX XXXX  XXXX  4.one charge appeared on my Debit Card Statement after using a XXXX Credit Card 5. A PIN was used 6. I did not make or authorize these charges I reported this forgery to the XXXX Police Department XX/XX/XXXX, Incident Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It started when we had a new roof put on the in the spring after a storm and summer of XXXX.When done in the fall I went to XXXX, we got the info before they did. Theysent us a letter they cancelled us because of the roof, we have until XXXX of 2018. We were hoping to go with travellers since our vehicles were with them.They sent a person nto inspect, we, we made the necessary adjustments and were turned down. I kept calling until until I couldfind one, we did, we let Bank of America know.  We found out they were double chargingus for homeowners insurance and still are. We kept making our payments every month. We even filled out a form about our income since we are retired. They saidthey never received it. In XXXX I called XXXX XXXX homeowners insurance and we were approved. I call themortage company letting them know the change. The person said are you with travellers and I said no and apparently they thought we were. A month later a letter came from from Bank of America saying you are doing a modification with XXXX XXXX and XXXX no choice. We told them no and the reason why. Then in XX/XX/XXXX.we were sold to this debt collector was taking over we said no. We are making all payments to Bank of America to their payment centers. We told this agencey do not call. They have been making robo calls. We have a lawyer working on this situation for us. We signed a letter for Bank of America, no signed contract with the other agency. We owe less than what our house is worth.

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 2019-07-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used this company to try and purchase something from someone I assumed was a reliable vendor. They allowed this company to steal my money and not return it. Furthermore a lot of other people have been filing fraud claims on this company and PayPal isn't doing anything but freezing this account. While they are freezing the account they should be returning the funds of the consumers. We as Consumers are  suppose to be protected from things like this. It's sad I have to go through such desperate measures to reach someone in the Corporate Office. I want and need my money I have children to support and can't afford to have over {$150.00} stolen from me! PayPal needs to have better protection for their consumers or just leave the Business to others who actually care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Creditors' Service Bureau of Niles, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX finally posted my bill for me to pay on XX/XX/XXXX after requesting what exactly I owed them for and why they didn't ask me to pay the amount when I was in their office multiple times asking if I had a balance. Once it was posted I paid it immediately. The original bill was from 2013, and was sent to Creditors Service Bureau XXXX, Mi. Creditors Service Bureau refuses to take this off my credit report as paid. I requested it numerous times and they will not take it off unless I pay them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I disputed a transaction for {$76.00} with my bank, BBVA Compass, last Friday - XX/XX/2018. 

I've sent in two online messages since then regarding fees this transaction caused - and no one has responded. The transaction caused several others to return / bounce - and for each, I received a $ XXXX/overdraft fee. 

I just called in to customer service to find out the status of the dispute and the provisional credit to my account - and the agent I spoke with claimed to see no pending disputes on my account. 

He transferred me to the disputes department, and miraculously, the agent I spoke with claimed to be unable to hear me. Apparently my line had started chopping up all of a sudden - despite being in the same spot I was when I spoke with the agent before her. 

Since there's clearly no intention on BBVA 's end to get this resolved, I'll handle it this way instead. 

I need a credit to my account for the {$76.00} disputed charge as well as the four {$38.00} fees the transaction caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Revco Management, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had been receiving a prescription medicine from XXXX XXXX XXXX. This prescription for XXXX was covered by my insurance agency. The amount of XXXX was billed monthly to the insurance I had at that time. That had been a discrepancy between XXXX and the insurance about one payment but that was resolved between the two parties yet I still receive this notice of collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XXXX XXXX, 2022. I told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached and sent them corresponding documents to prove inaccuracies ( photos of my DL, XXXX, & utility bills ). Yet has anything been resolved from my report. 

According to the FDRC the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate and its not and i have the photos with highlighted inaccuracies. 

Equifax 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 2019-07-23
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2019, I mailed a dispute letter to Equifax explaining that they are reporting information regarding my XXXX auto loan incorrectly, stating that the account is an open account and that I am 90-119 days past due with a balance owing of {$21000.00}. I had asked that ( Equifax ) correct the information based on the documents I'd provided XXXX my XXXX account 's bank statement ), along with my dispute, to support my claim which shows that the account is paid in full, with a zero balance. Upon receipt of my dispute, they performed and completed a 30 day investigation for which on XX/XX/2019 I was notified in writing that the " information is being reported accurately ''. 

I've notified XXXX for assistance in the matter, in which, who also confirmed that this account is closed, paid in full. And they ( XXXX ) had advised that " I should dispute the matter with the credit bureau, for the credit bureau is the one who is reporting the information ''. 

I feel, at this point, I am going in circles, with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax improperly allowed my report to be divulged without my consent by letting a dinosaur sysops team manage their infrastructure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EdFinancial Services
State: MS
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:
Starting XX/XX/2023 to current date XXXX XX/XX/2023, I am unable to log into the website to pay my student loans. I get an error saying they have no record of my loan but all my student loans are through them ( EDFinancial ). I've attempted multiple phone calls with over 3 hour wait times and attempted call backs but never received. As of now, EDFinancial is not allowing me to pay my student loans through proper means that will allow me to get confirmation. If i try to do phone call attempt, when I put in my social, it loops me back into the same prompt because the phone system doesn't have my account either.

Company response to consumer: Untimely response