BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

Transunion EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-03-14
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had received a letter in mail stating I had XXXX dollars in child support it gave me a phone number to call to receive a XXXX to get my money.I called the number told them I have it all arranged for my child support to be direct deposit into my bank account. They told me they could not do that only way to get my child support money was to apply for an XXXX a debit card .I asked them would I receive my child support in full? Were there any fees? They assured me I would receive the entire XXXX dollars and that there were no fees .I looked over the paper it also stated no fees only fees applied were to use ATM so I went ahead set up to receive my XXXX dollars in child support thru XXXX.Now I receive my XXXX and they took XXXX dollars I called numerous times to inquire on my XXXX dollars I was told at first that was all the child support I had.After many calls and arguments I was finally told they took my XXXX dollars for a replacement card when the paper I have clearly states no fee for replacement card and for expired cards I had with them in XX/XX/XXXX and XX/XX/XXXX.I asked to file a complaint the very rude and argumentative customer service rep on phone told me they do not take complaints.I asked to speak with a supervisor I was told he was as high up as they went there.I asked for his name and job title he told me he was the boss that ran things and he did not have to give out his name .He then told  me it was only XXXX dollars to get over it because it was gone and I would not be getting it back.XXXX dollars may not be alot to him if he is stealing XXXX here and there but to me it is alot I am a single mom who is XXXX and rarely receives child support. They should not be able to get away with stealing child support money I had a difficult time looking up an address for XXXX   I found that they are affiliated with XXXX XXXX  and found the address for thier corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. XXXX and XXXX needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.

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 2021-05-01
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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXXXXXX XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Foris DAX, Inc.
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been having problems since XX/XX/20 due to some fraudulent transactions that I have been claiming and also with the returns of the merchants towards the card I have been claiming and to this is added a deposit made by an XXXX  device that has already released me the money but it is not reflected in my valance what and I also have the history that it shows me in the app and comparing it with a state that I asked them to send me by mail and it does not agree in the two histories there are differences in this regard and also They do not add up the total balance to reflect what I am missing. I have enough evidence that they are doing fraud to clients since I got into the forums and they complain about the same thing that they are not clear, the institution that manages is CRYPTO.COM and the bank that handles the card in XXXX XXXX XXXX  and I have called them and only what they do they transfer me to Crypo.com and apart from all this the rewars have taken them out of those transactions but it is very good that they have not returned the money from those transactions there is a lot of disagreement regarding accounts and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX  and  XXXX  harassed me with threats of a lawsuit from a d  ebt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue.
<P/>
Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened.
<P/>  I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
WE ARE IN RECEIPT OF CORRESPONDENCE FROM XXXX AND XXXX REGARDING CFPB COMPLAINT XXXX AND XXXX. 
PLEASE NOTE ALL SUBMITTED COMMUNICATION IS FRAUDULENT. COMMUNICATE SENT VIA XXXX WHICH CONSTITUTE MAIL FRAUD AND IF SENT TO CFPB VIA EMAIL IS CYBER FRAUD. OUR SIGNATURES WERE COPIED AND PASTED AND OR LIFTED ONTO THESE DOCUMENTS, WE HAVE NEVER SEEN NR RECEIVED ABULK OF THESE DOCUMENTS. XXXX AND XXXX ARE VERY AWARE OF THE SITUATION AND IS POSSIBLY WORKING WITH LEAGL COUNSEL FROM XXXX XXXX WHICH IS A CONFLICT. 

THIS INDIVIDUAL WAS VISITING XXXX XXXX XXXX AND DOCUMENTS WERE TAKEN PERTAINING TO XXXX XXXX XXXX XXXX. IF THIS LAWFIRM IS RECEIVING FEEDBACK FRO, THE BRC TRUSTEE XXXX XXXX XXXX, AFTER INVESTIGATION, IT HAS BEEN CONCLUDED HE ABANDONED ALL REAL PROPERTIES DUE TO MORTGAGE FRAUD, WE HAVE ID THEFT AND IN ORDER TO MAKE MONEY FROM THIS CASE HE ABANDONED THE PROPERTY COLLECTED PMI.WE NEVER RECEIVED A LOAN FOR A MORTGAGE. 

THIS WAS REVEALED AFTER BEING NOTIFID BY A FEDERAL AGENCY O ID THEFT AND FRAUD. THE CLOSING WAS STAGE AND FRAUDULENT. XXXX XXXX AND XXXX APPEARED TO HAVE HAD STRAWBUYERS WHO WOULD STEAL PROPESPECTIVE HOME BUYERS IDENTITIES AND LOANS WOULD BE OBTAINED USING VARIOUS INDIVIDUALS NAMES AND MORE, ALL MONEY WAS DIVIDED WITH THEIR STRAWBUYERS, THERE WAS NEVER A LOAN PROVIDED. WHERE ARE YOU GETTING A XXXX DATE FROM? 

SOME OF THE ATTACHED DOCUMENTS ARE ILLEGIBLE. 
( PLEASE EXCUSE ANY TYPOS )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took out a student loan primarily using my relatives credit for the amount of XXXX dollars for the XXXX acedemic year. The issue is that I accidentally selected the option that does not defer the payments for the loan and now I have a XXXX bill every month which I can not afford so a few times I had to pay late. I have called them many times, but their general response is ask your brother for money. This is an issue however because first of all its my loan which is meant to be paid by me, there is only so many times I can ask for money, and second of all he has his own bills and expenses. I need a solution to this because right now I am scraping every cent I have to pay for that, and am left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX of XXXX I called regions for forbearance due to corona. I called monthly, or due date to let them know status didn't change I was still unemployed as they requested. I was told over and over i would not have to pay total amount during hardship that payments would restart after the months of forbearance were used. On XXXX the day i came home from my brothers funeral I was called and told if I did not pay XXXX by XX/XX/XXXX foreclosure procedues would begin. I had recently cashed in my 401k and was able to pay but now have nothing and am still unemployed with no benifits.

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 2021-07-06
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:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and XXXX are not reporting this account, TransUnion is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX  ( XXXX XXXX Account Number : XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter 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 2017-06-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money theft that happened now does demonstrate that it was planed and initiated by at first restricting my access to my money since XX/XX/XXXX and now did happen factually. The email from Goldman Sachs arrived today 's morning with confirmation of my account closure and nothing about my money ( attached ), while I never regain access to my money back. Since XXXX, I called Marcus to find out why I can not access my account and what happened to my transfers from XXXX after I have seen them pending? Marcus representatives all like one were claiming that they are unable to remove the Marcus restrictions off and all like one promised that supervisor is not available at that moment and will call me back. I never got a call from any supervisor. Bank claims for false restrictions continued to hold my money to Marcus, while I wanted to move my money to a different bank and now finalized by Marcus Goldman Sachs by total theft. Now it is clear that criminal attempts to steal the money was a goal of Marcus Goldman Sachs. Marcus Goldman Sachs account was procedurally connected by direct deposit with XXXX account that is checking account with XXXX XXXX. That account was successfully confirmed between Goldman Sachs and XXXX checking with XXXX XXXX. ( Two attachments with two deposits from Goldman Sachs are included. ) Goldman Sachs are boldly lied that it was not confirmed while it was confirmed on XX/XX/XXXX. Numerous checks were deposited to Marcus Goldman Sachs through the mail as they claimed that they do not accept electronic deposits, but checks by mail only. Just right now I understand that I became a victim under Title 42 U.S. Section XXXX Civil Action for Deprivation of Rights and additional crime for egregious money theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
BANKS OF NORTH CAROLINA   NC General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
1.- On XX/XX/XXXX & XX/XX/XXXX received at my address letters from XXXX XXXX XXXX XXXX XXXX . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of New Jersey : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX  3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/XXXX. They represent XXXX XXXX  purchaser of these debts from XXXX  and XXXX  ( South Dakota ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/XXXX ) I was not resident of the state of New Jersey .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that XXXX, XXXX  and XXXX  are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRUIST FINANCIAL CORPORATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, 21 transactions ( {$100.00} for each transactions ) from XXXX were processed on my Truist credit card that I didn't authorize. I was notified via a text alert, asking if I authorized the transaction. I responded 'NO '. The transactions went through anyways. 

After spending 3 months in their investigation, they finally informed me that those are valid transactions and I'm responsible for those charges about 2 days ago. I did not make those transactions and I also filed a police report for the incident. 

The amount has been deducted from my bank account through auto-pay and Truist refused to credit those charges back to 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 2019-03-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a vehicle and was financed by XXXX XXXX XXXX. About 3 months into the loan I was in an accident which resulted in the vehicle being totaled. 
When I got the loan I paid extra for certain services if something happened later on, one being I I lost my job, they would cover up to 6 months of payments. 
After the accident my insurance paid out enough to cover it all except for {$700.00}, but right after the accident I lost my job and was unable to continue to make the payments. They never called, or sent any letters for a year, then suddenly one day I get a bill for over {$2000.00}, from the remaining {$700.00} plus interest. When I tried talk to someone about it I was given the run around. I was sent to one department to the next, never getting any answers. I now have almost XXXX on my credit report for a vehicle I paid for. I had no issue paying the {$700.00}, had I known they didn't. But they didn't once call, email, or send a letter stating i owed a balance for over 12 months. In return my credit has dropped XXXX points, and I am in a position where I have no options except for bankruptcy.

Company response to consumer: Closed with explanation