BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I get new card cash wise credit card yesterday, every transaction declined or to make purchases I need to call everytime

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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not

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 2022-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My granddaughter moved into a college apartment. I had to put that apartment in my name. She had some of her own furniture so the college apartment managers moved out a few items so that she could put her own furniture there. Now that she has moved out, they are trying to bill me more than {$400.00} for that furniture. When we tried to resolve it theres a different management company there and different people there so they dont want to hear what we have to say. Equifax has put miss information on my credit report. And they have me in collections. I have witness statements from the other people who stayed in the apartment that the management moved those items out of the room but they dont want to hear it. Equifax refuses to remove that information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Duvera Billing Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was forced to take a predatory loan that claimed to offer 90 day XXXX interest. After one late payment all the XXXX interest terms went out the window. I have since paid the debt in full and even over paid. They now refuse to refund me without reopening the account. They obviously do this to trap me into a never ending cycle of interest and fees. I have attached today 's email exchange. 
To XXXX : Refund the {$95.00}. Stop making things. difficult Stop scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a credit limit of {$0.00} -This is not my account.

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 2022-01-19
Company: The CMI Group, Inc.
State: TX
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:
I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. 
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a loan modification by Wells Fargo as I was struggling to make the payments. That put me under a tremendous hardship to the point I had to defend my house filing for Bankruptcy in XXXX of 2019. 

I need to know if I am entitled for compensation under the consent order filed by The Consumer Financial Protection Bureau. File # XXXX. So far they have not contact me. They tried to foreclosure 2 times ( I can provide the court file numbers ). 

The first time we won the case against them as they could not prove in court I signed a blank document before or after I refinance with them. 

They waited until the case was cleared from the courts in XXXX XXXX to initiate a second foreclosure filing which I had to defend for the second time filing for Bankruptcy XXXX XXXXXXXX. 

Adding to the fire, as soon as they could, they sold my loan to XXXX XXXX XXXX in Colorado. Complaint # XXXX filed with the XXXX XXXX XXXX 

I need you to check if my loan # 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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$5400.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, XXXX, and XXXX XXXX have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to Experian, XXXX, and XXXX XXXX in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).

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 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
A charge for items purchased from XXXX and delivered to a XXXX location not my address for {$2800.00} has been in dispute since the charge was shown on XX/XX/2022. 
I got a letter from Bank of America stating that all was good and that they gave me credit. 
Then months later they put the charge back on my account without explanation. I spoke to numerous people and even got them to send me documents that showed the top of a fake signature where only the very top of 2 letters were showing. The letter stated that the merchandise should be held at the XXXX location. It was also purchased through a gift card which was bought using my credit card. Please see if you can talk sense to the employees in the fraud department at Bank Of America!! Thanks.

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 2022-01-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started my mortgage process with Chase Bank in early XXXX of XXXX. The first problem was how long it took them to process the application and get it through underwriting. I kept asking my original loan officer, XXXX XXXX, what was taking so long, and she just kept asking me for more and more documents. Finally, on XX/XX/XXXX or XXXX ( I don't remember which ) of XXXX I was told that the refinancing mortgage had been approved by underwriting and they scheduled the closing for XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX, TX. I was told that because I was refinancing a rental house, I had to go in person to Texas to sign the documents ( one of many things that were false I have since found out ). I live in Illinois at this time, even though my rental property is in Texas. 

I booked my flight, rented a car, and arranged for a house sitter. Chase sent me a final closing disclosure document on XX/XX/XXXX. I was literally on the way to the airport on XX/XX/XXXX when I received a call from the title company that they had not received closing documents from Chase. I tried to call both of the two people ( XXXX XXXX or XXXX XXXX ) that I had been working with at Chase and was unable to reach either of them. I emailed them and got no response. After about XXXX an hour ( and now almost at the airport ) and many phone calls attempting to reach someone, I got a call back from a woman who was covering for XXXX XXXX, who knew nothing but was checking into it after having read my email. Eventually she called me back and said that no, Chase was not going to close on my loan that Saturday. She did NOT tell me that it was not going to close at all at that time. 

Later that day ( now after 5 and after I had cancelled my flight ) she called me and told me that Chase was not going to be able to close on the loan at all. I was never given a reason why and now that six months have passed since I started this process, interest rates have gone up. I find it grievously wrong that they took six months to process the application, and then didn't even have the courtesy to call me themselves to tell me that the loan was not going through. I had to hear it from the title company! I still haven't heard from either of the two people that I was dealing with ( XXXX XXXX or XXXX XXXX XXXX directly. 

I have lost both money and time due to Chase 's incompetence and poor handling of this matter. I should have had either a new mortgage or a decision that it wouldn't be possible within 60 days of my initial application. I will tell everyone I know to NEVER use Chase for a mortgage unless they want to lose time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a co-signer on this debt. However I never received any notice of my right to dispute the debt.

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 2022-03-01
Company: Earm LLC
State: TX
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:
MAC also known as Mediation Account Center continues to call and harass me daily. They are calling over a debt that I do not believe I ever took out and it approximately 10-15 years old, well past the Statute of Limitations for debt collection. Numerous agents have threatened me and have called family members. They threaten me with jail time and other repercussions, despite refusing to validate the debt. They threaten me with a summons to go to court, which they refuse to send. They called me numerous insults like liar, deadbeat, and loser. They also gave out my full social security number and date of birth over they phone. They continue to robocall daily from new numbers, the most recent numbers being ( XXXX ) XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX They also refuse to honor my do not call requests.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.

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 2023-04-05
Company: ALLY FINANCIAL INC.
State: NC
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:
Contacted XXXX XXXX XXXX XXXX, Ally financial auto, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.

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 2023-06-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have scammed by online company more then XXXXXXXX XXXX, i have attached a letter for details.

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 2021-02-02
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
So I sent Equifax a letter requesting for them to give me their method of verification concerning the Bankruptcy on my credit report, so I could find out who the furnisher was of the Bankruptcy information. For whatever reason, Equifax was not able to comprehend what I was asking for and responded by saying in a follow up letter, please be specific with your concerns by listing the account names, numbers and the nature of the dispute. 
I had just sent the same letter for my wife and Equifax didn't have a problem with understanding what I meant and responded with the information that she needed, so I can only assume it's more than likely the e-Oscar System that did not understand. 
So once again Equifax, please give me your Method of Verification concerning the Bankruptcy on my Credit Report that you used to determine the accuracy and completeness of the info, including the business name, address and phone number of the Furnisher if reasonable. Documents are attached for proof. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: United PanAm Financial Corp.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am a victim of identity theft and i did not authorize these companies with written consent to report anything on my credit report. no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: DISCOVER BANK
State: FL
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:
Made purchase from XXXX on XX/XX/XXXX XXXX # XXXX purchase price {$960.00} Item was not received. Many messages back and forth with seller, seller claimed, they had photos of delivery. and signature confirmation. Item was not delivered so I requested the photos and signature the seller claimed they had. The seller did not provide any documentation. Only told me the item was delivered. 
The XXXX tracking number clearly shows the item did come to XXXX Florida but was not delivered to my shipping address but ultimately delivered back to the seller in XXXX California on XXXX at XXXX XXXX. 
on XXXX I opened a dispute of the charges with Discover Card with which is the card I used for the purchase. I was issued a temporary credit on my account for the charge. On XX/XX/XXXX Discover card sent me a decision on the dispute and claimed the charge was valid and reinstated the charge back to my card amount {$960.00}. 
On XX/XX/XXXX I called Discover card to discuss the matter, they requested that I upload additional documents, I did. They told me they would take a 2nd look at the dispute. On XX/XX/XXXX I received an update from my Discover card account that the transaction has again found to be valid. On XXXX I spoke with a customer service rep from XXXX, they reviewed my case on the phone and in less than 1 hour they agreed that the tracking number shows the item was not delivered to me but to it was delivered back to the seller. They told me this was clearly a case of fraud by the seller and that XXXX, com would be launching an investigation into the sellers fraudulent sellers actions. I have called Discover Card customer multiple times, a have not received a resolution from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
RESPONSE TO COMPLAINT # XXXX Dear TRANSUNION, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can't provide this information please delete the below accounts : Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 603 ( 3 ) ( E ) States, The term " investigative 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. However, such information shall not include specific factual information on A consumer 's credit record obtained directly from A creditor of the consumer or from A consumer reporting agency when such information was obtained directly from A creditor of the consumer or from the consumer. 
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. Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.

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