BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: EQUIFAX, 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:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Netspend Corporation
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My XXXXXXXX XXXX XXXX XXXXXXXX XXXX Being the executor of her estate I contacted Net Spend. They gave me a list of the documents they need to resolve the matter and issue a refund. They gave me a reference # XXXX I submitted the documents. You have to wait 14 Days to contact them. First they said I needed to resend a copy of her photo I.D enlarged, then they said I have to send a copy of XXXX XXXX XXXX and her I.D to garnishments. When I called to see what was going on they said I would have to resubmit documents to garnishments. Because they were not received. It has been since Approximately XX/XX/2021 since I started this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to find other ways to fulfill her final wishes. They have done nothing but make this money impossible to get.

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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to XXXX  XXXX on XX/XX/XXXX and when they sold it XXXX  XXXX booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and XXXX show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from 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 explanation
Consumer complaint received 2023-01-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was receiving help from a local XXXX, GA company located downtown about being behind on mortgage payments in 2018 to Wells Fargo. After submitting all the required information as requested by multiple associates with Wells Fargo we were informed that our efforts did not meet the deadline, and Wells Fargo foreclosed on my property in XXXX of 2018. The representative who provided assistance from XXXX, GA attempted to contact higher management at Wells Fargo in XXXX, GA to present all documentation, faxes, and email traffic which disclosed I could have made multiple payments {$2200.00} to stop the action but we were notified not to proceed with the action until further information was processed to ensure accuracy with my account. I was behind three months which at the time was roughly {$3300.00} and my three daughters and I were uprooted from our home of eight years based on someone's negligence or lack of concern for another individuals plea for help.

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 2023-03-25
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: PA
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 received correspondence from XXXX credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now 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 2023-01-02
Company: EQUIFAX, INC.
State: FL
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, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Chime Financial Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Had reported a dispute for unauthorized charges made on my debit card. I believe that there investigation wasn't done properly and they won't send me any details of why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.

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 2023-06-14
Company: EQUIFAX, INC.
State: MS
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:
My last payment made to my credit card account at XXXX XXXXXXXX XXXX was XXXX XXXX, XXXX. They closed my account between the dates of XXXX XXXX, XXXX and XXXX XXXX, XXXX. The balance on the account at the time was {$400.00}. I have documentation proof of that was well which I will upload. On my credit report, they only report the account as being closed in the comments but are still showing the account as being open in the pay charts. I never made any payments after XXXX XXXX, XXXX, but yet they are reporting I made payments in XXXX and XXXX in order to continue increasing my balance to obtain more money from me. Now they are reporting my balance to be {$630.00}. How can a closed account continue to gain interest or whatever when the account is closed. Every other account I have that closed, is the balance never increased. If I was late they reported it and I get and understand that but increasing a balance is wrong when the account is closed. Ive disputed this information with the company back in XXXX to fix the issue and was told they would but nothing was done about it. I even disputed the information with the credit bureaus along with the documentation I have and they continue to report the information as being accurate and it clearly is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Resurgent Capital Services L.P.
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:
There are 2 fraudulent Collections on My Credit Report that are still  reporting. They are LVNV Funding, and XXXX XXXX. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive had an Apple credit card which is connected with Goldman-Sachs for 3 years now, and every time that Ive made a payment its been processed within 24 hours. For over the past month now it has taken weeks to process a payment. Currently I have 3 payments that were made to them between XX/XX/XXXX - XXXX and will not be processed until the middle of XXXX! The amount of my money that they currently have on hold is over {$2300.00}. 

I have contacted the company several times via text as they will not give me a phone number, and in every text conversation I am told one silly excuse after another for the reason for the holds. I have heard everything from I made the payment on a weekend to the payment was too large ( {$1000.00} and under ). These seem like ridiculous excuses, and it bothers me when I ask to speak to someone that they say someone will contact me in 10 - 14 days. It is incredibly troubling that I have to wait for a large company like Apple and Goldman-sachs to contact me in 10 -14 days. Also, without knowing when or who is calling me I may not even answer 10 days from now? Then what do I do? It all just seems very silly to me. Something is not right here. 

I also dont understand how I'm expected to pay off a credit card each month when it takes more than two weeks to process a single payment. I would like an answer as to what is going on? Why is this happening all of a sudden? 

I'm very worried that there is more going on in the background, then what they are telling me, which is little to nothing. 

Thanks for your help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a payment using XXXX to a XXXX. There was no fraud on the XXXX 's part however, my finger slipped on entering the last digit of his phone number and the money was sent to the wrong ( unknown ) place. I immediately contacted my bank about the error and XXXX it was a Friday afternoon. They did nothing and said, 'tough luck, not our problem '. I argued, if they take that approach at the very least they should give me the recipients information and I can file suit and pursue the recipient for unjust enrichment and possibly, fraud. 

The Banks own the company that owns XXXX and yet, the banks are colluding to allow consumers to lose money with no recourse and no information. It's abhorrent! 

This happened on XX/XX/2020 for {$1400.00}. The consumer is stuck with NO recourse whatsoever while the banks collude and conspire. They have created a system to lower their costs of moving money while shifting all the risk on consumers.

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 2020-07-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was in a position where I had to work on improving my credit score, and I got a prepaid credit card from bank of America. I was approved for a card and I quickly deposited XXXX as collateral for said card.. 

when I got the card I was told in 6-12 months I would be graduated to an unsecured card. I got this card 3 years ago still no graduation, ive asked many times since then and even Monday XXXX XXXX I spoke to a bank of America credit analyst named XXXX XXXX and she told me even though I had been a customer for 3 years I still didn't qualify for graduation ... and she cited 2 late payments one 4 days late another 3 days late from the summer of XXXX. so I assembled these numbers ... 

3 years of annual fees@XXXX interest fees interest and fees from XXXX? 

interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX a total of XXXX an astronomical amount of money for a secured card. the reason they don't want to unsecure this card is because they are cheating me. and at present it is paid to XXXX  and I cant close the account because it would damage my credit profile..

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 2018-07-26
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving repeated calls on a daily basis. When I do answer the call the person on the other end very quickly gets rather nasty and accusatory. I even offered to pay a regular amount with auto deduction but he wasn't interested in setting this up as he proceeded to belittle me for offering this monthly amount that he considered unsatisfactory. During our last conversation, I asked him to remove all of my phone numbers from his list and to cease all calls to me. I requested that he correspond via the mail. He went on to accuse me of ignoring his mail. Quite frankly, I do not even have any record of him ever sending any mail to me. He is mean, rude and uses abusive LOUD language. When I present some information that he doesn't want to hear he simply ignores the comment and talks over me with some derogatory comment or question. I spoke to him again yesterday and asked again that he remove BOTH of my phone numbers. He will not verbally acknowledge this in the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern, My mortgage loan was recently transferred to Caliber Home Loans on XXXX XXXX, 2015. I have received nothing but conflicting information since they took over from XXXX XXXX XXXX. My first experience is when I called to request a payoff. I was told it would take XXXX hours to generate but my balance was well below {$3000.00}. This was around XXXX XXXX. I secured the funds and called back to payoff my loan. I was then told I owed up to {$8000.00}. The customer service representative indicated I was given wrong information and requested another payoff. I went ahead and paid the {$3000.00} to avoid any foreclosure proceedings against me. I just checked my account online and it also indicates that I have a balance of {$5200.00} ; however the latest payoff I received shows {$2200.00}. ( Attachment enclosed ). The payoff indicates the amount to payoff my loan and release the lien ; however, I just checked the records for XXXX XXXX and the only activity has been the release of lien from XXXX XXXX XXXX. I do n't show any lien recorded from Caliber Home Loans to secure the lien on my property. 
As a result of the miscommunication and lack of a Deed of Trust, I am requesting Caliber Home Loans release my account as paid in full. I am also requesting they forward me documentation that they do indeed have a right to my property. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I wanted to get a new credit card however because of the Equifax data breach in XXXX, I had frozen each of my accounts with Equifax, XXXX XXXX and XXXX. Therefore I needed to unfreeze these accounts in order for the bank to check my credit. First I called Equifax on the phone but they were unable to confirm my identity. Then I tried to use the internet and was told to complete the online form and mail it with proof of my social security number and my address. I completed the form and send the documents proving my social security number and address and sent it certified mail on XX/XX/XXXX. My tracking ticket from the USPS indicates that the letter was received on XX/XX/XXXX. On XX/XX/XXXX I received an envelope from Equifax addressed to a name I did not recognize at my address I have lived at my present address for 42 year and know for certain that the name of the person on the envelope has not lived here. Therefore I composed a letter to Equifax telling them that an error had been made and that I would like to receive my credit report. My letter was mailed along with the sealed letter that Equifax sent me with the wrong name by certified mail on XX/XX/XXXX as of today XX/XX/XXXX I still have not received my credit report from Equifax. In addition I also received a post card telling me that I had already received a credit report within the last twelve months which was preposterous since I know for certain that I have not requested a credit report since I froze my account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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. 


Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One Quicksilver credit card advertises 0 % interest rate on balance transfers, with no mention of a time sensitivity or deadline for this new account offer. After my approval for the new card, shipped to me XX/XX/2018 and received XX/XX/2018 I was informed that the balance transfer option was not available to me, and supposedly that offer had ended XX/XX/XXXX, after my card was approved. 

I called and talked to customer service, asking to complain. I was put on hold for a second time and my call was not transferred to a manager in a reasonable hold time. 

There is no email listed for consumer complaints. 

I emailed the card president with an email address that I researched and deduced, XXXX XXXX listed on corporate web pages.

Company response to consumer: Closed with monetary relief