BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: GreenSky, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called XXXX XXXX for plumbing service on or about mid XXXX. XXXX XXXX came out said he could not do the work under my leaking kitchen sink because his work required some electrical work before he could proceed. He makes a phone call and an electrician sales and service guy appears telling me I had major problems in my panel box ;, geckos, gecko urine and that sent a surge and caused my electrical outlet under my kitchen sink to short out. I needed a new panel box and a surge protector. I am XXXX years old and all I could think about was animals, urine, wet, electrical, not good. He arranged for my electricity to be turned off, the electrical guy came out to replace my panel box. He said there were No geckos, no urine, and wanted to know why I was having that work done. I contacted XXXX XXXX to tell them the salesman sold me an electrical panel and a surge protector on a lie and I wanted it back to the way I had it before. They sent out a manager about two weeks later to, what he said, gather information. A lady by the name of XXXX called a few days later to tell me that they could remove the surge protector but they could not remove the panel or I would not have electricity. and wanted to know how much I thought I should pay for the panel since they could not remove it. I said nothing since it was sold to me on a lie. Long pause. Then I asked, well how much do you think I should pay for it and she said she would have to see and get back to me. They have not removed the surge protector. I have called several times and have talked to XXXX, XXXX, XXXX and XXXX and nobody returns my calls to let me know whats going on. 
In the meantime I chose to finance, interest free for 18mos. I got no written paper work, no idea who was going to do the financing. Soon after I get bill from a GreenSky Program Loan Account for a balance of {$5600.00}, interest rate 24.99 %. I sent them an email to tell them its in dispute but they are sending me letters saying if I dont pay they will turn me in and report me to the credit bureau. I have very good credit and do not want that but at this point I do not know what to do. If XXXX XXXX would answer my calls I would pay them for the work that I did need. I do not want to deal with GreenSky, they are about to ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
SCAMS YOU VIRTUALLY VIA INTERNET UTILIZING PROMOTIONS MANIPULATING DIRECT DEPOSITS AND HARD EARNED MONEY FROM YOUR PIGGY BANK INTO THEIRS YET HAVING THE MASTER SLAVE COMPLEX FROM THE SIGN OF AGREMENT XX/XX/2021 I SAW A {$100.00} ONLINE INCENTIVE TO OPEN A NEW ACCOUNT WITH BOA. 2 QUALIFYING DIRECT DEPOSITS OF {$250.00} OR MORE WITHIN 90 DAYS. I HAVE HAD DIRECT DEPOSITS OVER THAT AMOUNT, IVE CALLED AND WAS TOLD I WOULD RECEIVE THE {$100.00} IN XXXX OR XXXX. I CALLED LAST NIGHT AND THEY ARE SAYING THAT I WILL NOT RECEIVE THE {$100.00} SIGN ON BONUS BECAUSE I HAVE HAD A PREVOUS BANK ACCOUNT. NO THEY SCAMMED ME OUT OF MY MONEY AND USED THIS ONLINE TRICK TO SCAM ME AND NO TELLING HOW MANY OTHERS LIIKE ME, I COULD HAVE STARTED AN ACCOUNT WITH A MORE CREDIBLE BANK IF I KNEW THEY WAS GOIING TO WAIT 3 MONTHS AFTER I SIGNED AND DONE THE 90 DAYS REQUIRED FOR ME TO GET MY INCENTIVE AND TELL ME IM BOA NOT GOING TO HOLD THEIR SIDE OF THE DEAL, THEY SCAMMED ME I CALL THE BANK AND ALL I HEAR ON HOLD IS PERTAINING OT SCAMMING BUT THEY ARE THE BIGGEST SCAMMERS ... AND IM GOING MAKE SURE ALL OF MY SOCIAL MEDIA KNOW HOW WRONG THEY ARE FOR NOT KEEPING IT XXXX, LITERALLY ... I CANT BEAT THEM BUT I WILL CLOSE NOTIFY EVERYONE I CAN OF HOW THEY USE FINE PRINT TO GO AGAINST PEOPLE WHO GIVE THEM THEIR HARD EARNED MONEY TO BE DENIED FOR LOANS WHEN YOU NEED HELP BUT WE GIVE THEM OUR LIFE SAVINGS AND THEY CANT RETURN THE FAVOR OR EVEN HOLD THIER END OF THE BARGAIN FOR A PROMOTION THEY PROMOTE. ITS LIKE YOU GIVE BOA YOUR MONEY BUT IF ITS AN ISSUE THEY BECOME SIMILIAR TO THE OPPOSING INSURANCE COMPANY WHEN THIS IS SUPPOSED TO BE A POWER THAT WILL BACK YOU WHEN, YOU NEED THIER HELP BUT THEY ARE NOT A LOYAL BANK. AND THE MORE POWERFUL THEY BECOME THE HARDER IT WILL BECOME FOR THE ONES THAT HELPED THEM BY DIRECT DEPOSITS INVESTING THE PEOPLES MONEY NOT GIVING THEY BACK A SINLGLE CENT INSTEAD USING WAYS TO TRAP THEM BY OVERDRAFT AND DESTROYING PEOPLE THAT HAVE MY SKIN TONE ... BOA AUTOMATED SERVICE SAY THEY PREVENT SCAMS NO THEY HAVE MASTERED IT ... ..A DECEPTIVE ORGANIZATION WHO DONT DESERVE TO GET MILLIONS OF PEOPLES MONEY AND MAKE IT 10 TIMES HARDER TO BORROW A SINGLE DIME FROM THEM YET GREET YOU WITH OPEN ARMS TO ACCEPT YOUR MONEY ... YOU, I AND MILLION OF PEOPLE ARE SCAMMED AND PROGRAMMED JUST BY WATCHING A COMMERCIAL OF BOA, THEY GOING INTO THEIR BANK AND OPENING AND ACCOUNT. LET ANYTHING GO WRONG WHERE YOU BENEFIT I GUARANTEE THEY WILL USE FINE PRINT THEN BECOME THE OPPOSING INSURANCE COMPANY WHEN JUST LAST FRIDAY THEY ACCEPTED YOUR WHOLE CHECK..DONT ALLOW BOA TO BECOME RICHER UNLESS YOU THINK BOA WOULD DO THE SAME FOR 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 monetary relief
Consumer complaint received 2019-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Mobile deposit into Usaa account XX/XX/XXXX with a XXXX  XXXX check of {$100.00}. Check was then cashed by someone who stole the check, on a XXXX XXXX  account XX/XX/XXXX. The funds were then taken from my Usaa account to pay the XXXX XXXX for the cash they gave to whoever cashed my check. The XXXX  XXXX account holder of the check only has the debit from XX/XX/XXXX on her account so theres nothing XXXX XXXX can do. Usaa has the account number of the XXXX account holder that the check was cashed on but can not give any information due to privacy policies. I have been back and forth with Usaa and XXXX   XXXX for over 2 weeks with no results. I just found out that XXXX XXXX is where it was cashed but I don't bank with XXXX  and never been to a XXXX XXXX for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I sold a house in XXXX of XXXX -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both TransUnion and XXXX as well as XXXX XXXX XXXX Mortgage to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.

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 2021-03-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Thomas Kerns McKnight, LLP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I first reached to Thomas Kerns McKnight around XX/XX/XXXX to enquire about their debt consolidation program. 
When I first spoke on the phone with them, they explained that after I make payment to them each month, they would pay my creditors and help me pay off my debts. This would result also in an increased credit score. My first payment was made on XX/XX/XXXX. 
In reality, after being 21 months with them, I ended up canceling the contract on XX/XX/XXXX. They had never paid my creditors, I ended up having XXXX of them take me to XXXX ( XXXX XXXX ). All the other accounts went to collection, or were closed by the creditor, and it was a charge-off. All the balances are now higher, my credit score dropped. I also had to pay a monthly {$49.00} administrative fee ( over 21 months, this amounted to {$1000.00} ) while no service was rendered. This has created a lot of stress and had a very negative emotional impact on me. I still dont know how I am going to resolve the situation with each creditor. I initially trusted them and believed they would help me, I was still current on all my accounts at the time. I only realized after I canceled the contract, that exactly similar complaints had been submitted to the XXXX XXXX XXXX  against that firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
The complaints are : 1 ) Champion Mortgage did not properly use the funds provided by the state of California for property taxes in XXXX. Since then the monthly statements indicated the account has always been in good standing. Additionally, the mortgage company representatives have also stated the account was in good standing whenever phone calls were made ( all phone calls are recorded by the mortgage company ), However, in XX/XX/XXXX Champion Mortgage sent information stating some property taxes are outstanding and demanded that I pay them or face foreclosure. There are also late fees associated because Champion failed to properly use the funds provided by the state of California to them. I believe these practices by Champion Mortgage are beyond improper and may not be in lawful compliance. The mortgage company has not responded to the complaints. 
( I am including documents which may be helpful for the compliant review. I also have all statements, if you request ).

2 ) Champion Mortgage used " set aside '' property tax funds provided by the state of California to purchase a home insurance policy in XXXX but after the homeowners insurance verification was provided. The mortgage company sent a letter saying it would refund the money used, but the " set aside '' funds used have not been properly returned. Champion Mortgage has not responded to my complaints. 

3 ) Champion Mortgage has not honored my need for them to comply with the American Disabilities Act for my XXXX, which was made known to them on multiple occasions. 

In summary, Champion Mortgage has not only failed to provide accurate and true monthly statement information about the account but engaged in deceitful practices to both me and the state of California. The mortgage representative who noted my last complaint through a phone call is named Ms. XXXX. Several follow up calls placed but the phone operator who answers the calls would not transfer the call to the representative extension number until the account number was first provided, then she ( the operator ) would place the call hold and return to say that Ms. XXXX was not at work today ... at least 3 follow up calls were placed with a message to return my calls. I also asked if any other representative can check the status of my complaints and requests and was told only Ms. XXXX would know. The current fees associated with the complaint are approximately {$15000.00} and continue to increase monthly due to the mishandling by Champion Mortgage. This is also caused unnecessary health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TFC Credit Corporation of California
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a report with TransUnion and XXXX stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed 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 explanation
Consumer complaint received 2018-03-26
Company: Bread Financial Holdings, Inc.
State: NJ
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 unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and XXXX as well as XXXX for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and Capital1/XXXX as well as XXXX for the six inquiries and still no results.

1. XXXX Capital/XXXX   2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX   6.Capital1/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I received a credit alert from the credit bureau stating that I owed a debt. However, the company didnt send me any communication of the debt prior to placing the debt on my credit. Rather parked the debt on my credit. I lost the offer on the house I was trying to purchase. XX/XX/XXXX I received a letter from the company date XX/XX/XXXX. No where in the letter did it state I could dispute the account. Rather demanded payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
student loans information misleading on my reports. wrong balance wrong open date.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-08-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
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: Problem with personal statement of dispute

Complaint:
Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with Summit Lending and was sold shortly after to XXXX XXXX XXXX that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 - Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
several attempts to have information removed and to no avail

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 2017-12-07
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a certified letter to this company on XX/XX/2017, requesting a verification of debt. Although the company did however receive the letter, they continue to call my phone 2-3 time per day. I asked that all communications cease until the medical bill is properly/correctly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Over the years I kept getting emails that my account was low in funds and had to pay a fee

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