BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a XXXX XXXX account that was closed on XX/XX/ when I switched to another provider. This provider was XXXX  Upon cancellation, XXXX sent me a bill for {$5100.00}. 

On XX/XX/XXXX XXXX a bankruptcy was filed in the United States District Court in XXXX Texas. This case number is XXXX. XXXX XXXX was included in the verification of creditor matrix. This is a XXXX XXXX bankruptcy filing. 

XXXX continues to pursue collection on this debt. As of XX/XX/, they turned this debt over to a collection agency. This collection agency is McCarthy, Burgess and Wolff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Resurgent Capital Services L.P.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G.

if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-12-18
Company: EQUIFAX, INC.
State: WI
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 contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BARCLAYS BANK DELAWARE
State: IA
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 rewards from credit card

Complaint:
Weve had a Barclays choice privileges card since XXXX. We spent the required amount to receive our points. We are not getting any points in spite of spending and paying off monthly balance. We have spent hours on the phone trying to get our points with no success. Weve been passed from person to person without results. Weve been cheated out of XXXX XXXX points.

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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX Credit Card. 
Transaction Date : XX/XX/2022 Transaction Amount : {$68.00} I have submitted to make payment on XX/XX/2022 and I thought it was successful. I did not receive any email communication if the transaction was not successful. 

XXXX Month : Interest with late fees. 
XXXX Month : Interest with late fees. 

I have not received the emails to my Inbox, XXXX email notifications go to my scam email box. Interestingly. their advertisement emails are being received in Inbox though. 

In between, I have not received any mail communication. On XXXX month, I received the last mail where I called the XXXX XXXX. They waived month interest and late fees and we agreed to pay {$96.00} and close the account. 

When I paid {$96.00} for a transaction of {$68.00}, it is fraud that they have impacted my credit report. There is a XXXX point drop in my credit report reported by Trans Union. 

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 non-monetary relief
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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/2021, my checking account with Capital One 360 was compromised as my debit card information was stolen by a thief using the XXXX XXXX. I notified Capital One right away. They said there was nothing they could do because the three transactions were still pending. Someone wiped out all my money from my account except for {$1.00}. I had received an alert from Capital One and I told them I DID NOT AUTHORIZE THESE TRANSACTIONS. They suggested I contact XXXX XXXX, which I did. I sent two emails to XXXX XXXX with a copy of what they had taken out from my bank. I told them this was fraud and I want this individual prosecuted. XXXX XXXX knows who this money was going to. 
I called Capital One 360 today and they said there was nothing they could do until these transactions post. XXXX from XXXX XXXX Never got back to me after I gave them all this information. 
I am a senior and I have no money now for food or gas. Something needs to be done NOW. I have copies to send you as documentation of this theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use an app called  XXXX . They help keep my account out of the negative but they can never get the bank to send over my information in a timely manner. It 's supposed to take a day and we usually have to wait before receiving any information. They need my recent transactions as well as my current balance and it should n't take this long to receive 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 explanation
Consumer complaint received 2023-07-16
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: Personal information incorrect

Complaint:
I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have disputed accounts that are inaccurate and incomplete on my credit report with the XXXX, TransUnion, and XXXX. I began disputing the duplicate accounts and inaccurate accounts in XXXX of 2023 seeking for the accounts to be removed due to inaccurate information. It is now XXXX and the credit bureaus and creditors have failed to remove the inaccurate accounts from my credit reports. The duplicate accounts are in the amount of {$52000.00} and {$9000.00}. The creditors have reviewed the accounts and still reporting to the credit bureaus that the account in reporting under accurate information under the Fair Credit Reporting Act which is false. I have included documentation. XXXX reported the accounts as charged off on XX/XX/2023. On XX/XX/2023 XXXX proceeded to report an already charged off account as 120 days past due, again, drastically affecting my credit and daily life. This is uncceptable and XXXX fails to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2021-09-23
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. GM FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Monday, XX/XX/XXXX my wife took time off to take my XXXX year old mother to the XXXX, NC branch location of Wells Fargo. She is a joint owner with my father on all accounts including a safe deposit box. My father died earlier this month and my mother 's estate attorney needs a copy of the Will which we believe is located in their safe box. Upon requesting entry into the box my wife and mother were denied and the branch employee said that they would have to inventory her box under dual control of two employees including a 3rd employee to notarize the audit. They further said they may have to drill the box, yet my mother has both keys to access the lockbox. My mom and wife tried explaining that my mother was joint, which is verifiable via the signature card and she has valid ID, yet they said she would have to come back in 1 week plus when there was adequate staff to inventory the box. This has created undue XXXX on my elder! y mother who is already grieving her husband 's passing. There was no compassion from the Wells Fargo banker and she seemed snippy when requesting an explanation. it seems a violation of privacy to go through my parents personal possessions when she is a rightful owner of the account. Please help. Very frusterated.

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 2022-12-13
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, Equifax and XXXX to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never been contacted by US XXXX about any debt and have no outstanding debt on my credit report. I have been called 3 separate time by this company ( Americollect ), all from different robocall numbers. In none of the voicemails do they ever indicate WHO they are trying to reach. Dates and times of the calls are as follows : XX/XX/22 @ XXXX, XX/XX/22 @ XXXX, and XX/XX/22 @ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I found inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX BANK XXXX XXXX ACCOUNT # 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 2021-07-06
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( 1 ) XX/XX/XXXX, I refinanced my mortgage with Nationstar Mortgage LLC d/b/a Mr. Cooper in an effort to decrease my interest rate. 
( 2 ) From XXXX to XX/XX/XXXX I continued to make monthly payments ( {$2000.00} ) on time. 
( 3 ) In XXXX I became aware that one of my payments was not applied to my mortgage balance resulting in a higher than expected balance and fees. However, my bank verified that all checks sent to Mr. Cooper were processed and deducted from my bank account. 
( 4 ) I immediately reported this discrepancy to Mr. Coopper and requested that they investigate the issue. At first, Mr. Cooper indicated they had technical issues with processing ACH payments but that this will be resolved shortly. This did not occur. I followed up with Mr. Cooper weekly, by email and/or telephone but they were unable to locate the source of the discrepancy until XX/XX/XXXX. 
( 5 ) On XX/XX/XXXX, after months of calling, Mr. Cooper verified that my checks were being applied to my previous loan number, which closed as a result of the refinance. Although they received and processed my XXXX mortgage payment, they issued a refund check by mail. After further diligence, I uncovered that I did receive a check from Mr. Cooper however because that check was not marked I presumed this may have been an overage from our Escrow account or refinance closing payment. Subsequently, I re-paid the XXXX mortgage payment. 
( 6 ) During the time while Mr. Cooper was investigating the issue, they purposefully applied my current mortgage payments to the previous month and deceptively applied a late fee to the current payment. For instance, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied XXXX, and our timely XXXX payment was applied to XXXX. In all these instances we were assessed late fees each month and Mr. Cooper reported a derogatory remark to the credit bureaus ; resulting in a substantial decline in our credit rating. 
( 7 ) We asked Mr. Cooper to remove the late fees of {$79.00} and derogatory remark, especially given the delay in resolving the issue around the missing XXXX payment was due to their inability to research and resolve the issue. We were told this was not something they can do. 
( 8 ) This practice of applying current payments to the previous month and then assessing a late fee to the current month is unfair. It is especially unfair when the delay in resolving the underlying issue is the fault of the lender. Mr. Cooper took 3 months to verify that although they did receive and processed our XXXX payment they issued us a check which arrived without any notice that it was a refund of our XXXX payment. The 3 month late fees assessed is purely Mr. Coopers fault and as such we demand that these fees be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: DISCOVER BANK
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/2020 I purchased some long term shelf life food from XXXX. This was done under 2 separate orders. When my products arrived the food packages were busted open. I contacted the seller as I wanted to return and refund my money. This fell well within their return policy. Here is the quote and link We hope that youll absolutely love all of our products. 
You are fully protected by a 100 % money-back satisfaction guarantee. 
Here 's how it works ... 
If for any reason you're dissatisfied at any time during the first 365 days after purchase, simply return the product to the original shipping warehouse and ask for a full refund. You'll get your money back. That's a firm promise and commitment XXXX XXXX XXXX I then contacted them as per the instructions on the shipping invoice. Over 2 weeks go by with no response so I around XX/XX/2020 I disputed both of the transactions with discover card while providing pictures of the damage product and proof of their return policy. I later won the dispute and was told it may be overturned. And since then the ruling in my favor has been going back and fourth. every agent I speak to switches their story. They either tell me I won one and lost the other and vice versa. I was told I won one transaction for XXXX and lost one for XXXX and i will be credited for the XXXX. Then i am told I lost the XXXX dispute and the XXXX is still being reviewed. All the while not a single agent not the website has been able to tell me why or provide any documentation as to why. I am continuing to dispute this transaction because I received and inedible damaged product. The company refuses to assist me and honoring their return policy and Discover refuses to assist me in this case.

Company response to consumer: Closed with explanation