BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, I visited the TransUnion website to obtain a free credit report. I didn't need this report, I was just curious what my score would be. I clicked the most prominent button offering what I wanted, and filled out my personal information. There was no mention that I noticed of any charges I would accrue, but after finishing the signup process, I got an email of a receipt stating that my credit card had been charged {$24.00}. I did not want this service, I only wanted a free credit check, but instead I was duped into buying something I didn't need or want.

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 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My twin sister stolen my identity..during the months of XXXX she took my social security benefits and my stimulus money the police report number is XXXX apparently boa doesn't cover family fraud XXXXi didn't know that street I signed up ten years prior

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 2018-06-07
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. 

In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.

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 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
CAPITAL ONE BANK USA N Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$830.00} ; 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted Carrington mortgage XX/XX/2019 to check status of the mortgage assistance request I emailed and faxed Carrington 3 weeks ago. I was told by Carrington customer service they stated they had not received my documents and financials for mortgage assistance. Recently I have faxed and emailed my documents 3 additional times and they are still saying they don't have my documents.

I feel and know Carrington is unwilling to work with me and they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My wife had been receiving numerous calls from this number in the mornings but would leave a voicemail. She tried to reach back but they would not answer. She finally answered the call this morning. It was a lady claiming to be from Account Resolution Services. She asked my wife about information pertaining to my XXXX year old. She kept insisting on getting my XXXX year old 's birthdate but my wife was trying to see what the call was about before releasing any information. She kept demanding the birthdate and was rude about it and told her that she would notate that my wife was refusing service then hung up. I called the number which is XXXX. A lady answered but I don't know if it was the same lady. I told her they called my wife about it and asked what company she was calling from. She responded " ASR Account Resolution Services. '' I asked why they would be trying to contact my wife about my XXXX year old. She said that they might have an account with them and asked for my wife 's number. I asked what kind of account would a XXXX year old have. There was silence for about 5 seconds then hung up the phone. Very suspicous

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have banked with Wells Fargo for over fifteen years and this is the first time that Wells has let me down. I used my Wells Fargo business card to make a purchase from this company named XXXX out of Colorado in XX/XX/XXXX. After some time had passed, I called XXXX about the product that had been ordered from them and I was told that the product was shipped to the wrong address and returned back to them. i asked XXXX to refund me my money back to my card in the amount of {$160.00}. Of the {$160.00} that was owed to me, XXXX ONLY returned {$120.00} and kept {$35.00} for no reason at all. I filed a complaint with Wells Fargo Claims Assistance Department on XX/XX/XXXX and was issued a claim Number XXXX. After several attempts to get Wells Fargo to get my money back from XXXX, Wells Fargo stated that VISA would need to get the money back since it was a VISA card that was used. Wells Fargo and I had been in communication until I never heard or received any more information as to what was happening to my money until I called on XX/XX/XXXX to only be told that my claim was closed. Wells Fargo didn't stand behind their purchase protection policy to ensure that their customer ( s ) get all their money back from any vendor if the customer did not receive any of their product and in this case I didn't and I want all my money back and not a partial refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: PNC Bank N.A.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have asked PNC bank ( PNC bank student loan service XXXX XXXX XXXX XXXX pa XXXX contact XXXX XXXX XXXX phone XXXX ) to remove my name as co-signer from a student loan from 2017 for XXXX XXXX XXXX XXXX I have made repeated attempts over the last 2 years to resolve the issue with PNC bank. The loan was for XXXX disbursement date XXXX17. 
I received no benefit from this loan. I was under psychiatric care at the time and not taking medication. I was under duress from an abusive spouse that bullied me into signing the loan. 
I state that I was under duress at the time of the loan and wanted to follow a formal dispute process and have third party arbitration of the issue. I asked that they send me their dispute process. They have not and will not divulge the dispute process and will not remove my name as co-signer. They will not submit to third-party arbitration. 

Contacts at PNC I have had conversations with XXXX XXXX  - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to look at a refinance through my Bank named Bank of America where I tried to outreach around XX/XX/XXXXand they stated it could take up 6 months to a year to have everything completed. The homeowners association was being very belligerent and pushy to get money from all of its owners. Along with that they would threaten people all the time. The homeowners association is XX/XX/XXXX for the property XXXX XXXX XXXX in XXXX XXXX XXXX. My name is XXXX XXXX and I lived at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX. Also they were going to raise the association dues to about {$300.00} a month. That would put my total cost for mortgage and dues totaling about {$1000.00} a month where I could get a house where I didnt have to worry about an association. Now I know that this association is using all means necessary to keep me unemployed and homeless. This is my last hope.

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 2021-02-09
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times to ask about the debt they claim I owe, however they can not answer who I owe the debt to. This is a medical bill for XXXX and the address of this company is XXXX XXXX XXXX XXXX, NC XXXX. I looked up this company with XXXX  and it appears this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Accelerated Financial Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accelerated Financial is reporting that I have an outstanding collection balance with their organization for {$1600.00}. I have informed them, and provided proof, that I resolved this balance with the original creditor back in XXXX of 2018 ; but they refuse to correct the account on my credit report. I am uploading a copy of my final resolution sheet from the original creditor, showing the account was settled, and I have no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: KS
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:
Regarding Equifax. They are continuing to report an account as a Charge off. I have disputed this at least 6 times and have asked in writing to be provided with the accuracy of this account according to the laws and guidelines of the FRCA. They will not provide any proof of verification but continue their incorrect reporting. The company is XXXX XXXX. They have no information except a phone number to call and when I tried it says it's been disconnected. This account was originally thru XXXX XXXX. 
In XX/XX/XXXX I reported fraudulent charges made in this account, many in other countries or locations I had not been too. I worked with XXXX XXXX and continued to pay my charges off until the balance was XXXX. The last payment made was XX/XX/XXXX.  The account was closed. Both XXXX and XXXX   removed XXXX XXXX from my account as they were not the original creditor. XXXX XXXX is reporting the payments I made to XXXX XXXX, but begin reporting late from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX they reported my account current. I thought this meant that due to my dispute it would erase all late charges as the remaining amount left was due to fraudulent charges. This was not the case, they then reported it as a Charge off. They also reported that I had made a payment on XX/XX/XXXX. Again inaccurate. They have continued to report to Equifax since then that this is a charge off. Even though Equifax is aware of the situation they continue to report these inaccuracies and will not provide any proof, except to say they electronically verified, even though I asked for written proof that this is my debt, which they were unable to provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Send my LOAN TO SPS. XXXX WILL NOT HELP FIX THE PROBLEM! SPS IS NOT AWARE I AM NOT SURE HOW TO FIX THIS PROBLEM I SEND SPS ALL THE PAPERWORK THEY CAN NOT FIND IT. 
This is my I can't complain regarding XXXX Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by XXXX denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX XXXX is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to Select Portfolio Services with incorrect information stop my taxes and loan history. 

I received a letter from XXXX which I am including as a PDF with this complaint XXXX did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by XXXX respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX intend never missed a payment because of XXXX negligence an unfair debt collection my credit score dropped 300 points and XXXX servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of XXXX negligence. the new servicer has received incorrect information from XXXX transport in XX/XX/XXXX. XXXX 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-07
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
fcra et al - right to add personal statement! 

For more than 2 years - literally! For more than 2 years - I have been trying to add a Personal Statement to my Experian credit report! 

They keep giving me run-around & stalling! 

Don't they know that they are supposed to allow customers to add those statements? 

Another thing - for months now - I have been a paying customer of Experian! 

And Experian wouldn't even do some of the things that they are supposed to do for the free customers! 


__

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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