BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Social Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My card and account was used WITHOUT my permission, for over a month time. I disputed all the transactions and it got denied. Whoever stole my debit card used over a XXXX dollars that I'm now out of because they didn't find a issue with the transactions. I'm very very very XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I entered into a settlement agreement with Credence to settle an XXXX XXXX XXXX XXXX debt by 50 %. The agreement consisted of 6 monthly payments of {$210.00} to auto draft. After 5 consecutive payments, the 6th was scheduled to draft on XX/XX/2021. After contacting Credence, speaking with XXXX, a manager with them, he advised me that yes we had an agreement and that I have fulfilled the agreement as promise, however he could not take my final payment and XXXX the account as settled in full, due to them not handling my account any longer. This company entered into a written and verbal agreement to settle the debt but then lied to me about settling the debt in full. Upon asking for a refund on the payments they kept, they instructed me to call XXXX XXXX XXXX even though my payments were made to them. After calling XXXX XXXX XXXX, they ensured me that they were not aware of any arrangements made on their behalf by Credence and could not assist me, only if I would pay the debt in full. No settlements would be offered by XXXX XXXX XXXX. Credence took advantage of me by promising an early settlement but could not honor it and kept the payments I had paid them and/or any income paid from other sources, such as XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2022-10-05
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So again Ive hired XXXX XXXX  to deal with these XXXX cards that were identity theft and they did charge jobs with XXXX XXXX XXXX and whatever other company it was called I cant think the stuff is stressing me out but either way I have been playing XXXX for quite a while I am being harassed by these companies they keep switching companies and going after me still even though they know that someone had identity theft at me so the new company now that theyre sending the debt to is XXXX XXXX XXXX XXXX will re-forward everything I sent these people and attach them to these files Once again sincerely XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX, IL to pay a {$120.00} debt that I owned. On that same day I received a letter in the mail saying the bill had been sent to collections. I called the debt collector and told them I had just paid this with the hospital and I also provided my confirmation number for my payment. On XX/XX/XXXX I show that the {$120.00} that I paid to the hospital was taken out of my bank account. Now on XX/XX/XXXX I was left a voicemail by the debt collector saying I needed to call them. When I called I stated I did not have any outstanding debt that I know of. The case worker assigned to me was very rude off the bat for no reason. When I told her I had already paid this debt, the case worker was rude and adamant that I was wrong and that I still owned the money, that the confirmation number I provided, the hospital said I did not pay. When I asked why am I just now getting a phone call over a month later she said she has called and left many voicemails but I can also prove with phone records that I do not have a single call or voicemail from her. I stated that if she did call me, would she not think I would call her back like I am now, since I didnt believe I had any outstanding debt? She got even more agitated when I said this better not go against my credit because I know and have proof I paid it. After getting off the phone with the debt collector, I called the hospital and they even confirmed that I DID pay and my account had a XXXX balance. The hospital told me to ignore the collection agency but this needs to be resolved because I do not trust the caseworker to handle this professionally based off her rude attitude from the start. I own a business and if an employee talked to any customer this way they would be out the door.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX alleged that I was responsible for carpet repairs after moving out of an apartment in 2017. Rather than make a claim using an appropriate forum, they incorrectly asserted that my obligation was a liquidated debt. Hunter Warfield continues to incorrectly characterize the claim as a debt. 

In any event, the claim is time barred by the statute of limitations and no debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XX/XX/XXXX I checked out of XXXX XXXX early, i had paid for my entire stay but had not yet paid for the resort and parking fees. I paid {$51.00} for one day 's worth of fees. The front desk agent told me that her manager had agreed to waive the remaining fees as I would no longer be on the premises. I received a receipt for this amount from XXXX.

XX/XX/XXXX {$150.00} posted to my account. This is a charge for the additional resort and parking fees XX/XX/XXXX I called XXXX. The person I talked to told me they couldn't help me and I had to call their accounting department when they were open Soon after I disputed the charge with Wells Fargo as I became frustrated trying to contact XXXX. It is very hard to get them on the phone.

XX/XX/XXXX After back and forth with myself and XXXX, Wells Fargo decided that they would not continue with my dispute as XXXX  says the charges are valid.

I emphasized to Wells Fargo that I should not be paying these charges as the receipt I received was for {$51.00}. I checked out of the hotel and am no longer liable for accrued charges.

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 2020-10-30
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not 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 2020-01-24
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting inaccurate information on my consumer report i filed a dispute XX/XX/XXXX about fraudulent accounts being on my credit report jpmcb card and a XXXX XXXX card Equifax sent a correspondence XX/XX/XXXX and stated that they verified the chase card belonged to me with know proof of verification as i requested there method of verification and they never sent it to me they have my name spelled incorrectly and they also have the wrong address on file. I understand that equifax is supposed to report 100 % accurate information but it seems like they are willingly reporting inaccurate information even though there are flaws in my consumer report. I ask that equifax delete the XXXX account off of my consumer report and delete the XXXX XXXX file off of my consumer report immediately they marked the files as closed but they need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
If you look at the paper work I have attached you will note they claim they sold my loan in XX/XX/XXXX to XXXX XXXX that may be true I have no idea but I know one thing they repossessed my truck in XX/XX/XXXX. They try to say that happened on XX/XX/XXXX. 
The payments stopped in XX/XX/XXXX if they were to repo it in XX/XX/XXXX that would be 10 months without a payment. The XX/XX/XXXX date would be 6 months with the holidays at the end of the year. I know the date of repo as my insurance was canceled the following monday XX/XX/XXXX. They have been asked several times by me to produce paper work from the repo for me they have not. If you look at the XX/XX/XXXX letter you will note that they admit they caused the delinquency of my loan but fail to address the loss that I suffered by such and sent a check for XXXX not even close to what they in fact owe me. 
How can a Bank be so confused? They claim on XX/XX/XXXX I called and asked for them to repo my truck that is 100 % false and a lie. They have learned nothing by the actions taken so far against them. They are getting worse and 1 of 2 things needs to happen they need to refund people in full without lies or 2 go out of business. Wells fargo Bank is doing no one any any good the way there still doing business. It is XXXX and they have been playing games like this for 20 years there is no reason for this at all. NONE

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 2020-10-30
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam : I had a loan modification in XXXX. Per the loan modification agreement, I have interest bearing principal balance and Deferred principal balance. 

I paid off my interest-bearing loan on XX/XX/XXXX, and my deferred loan will be matured on XX/XX/XXXX I did not miss a single payment. 

My mortgage servicer ( Shell point mortgage serving ) has decided that I need to pay the deferred loan immediately which is not stated in the loan modification and proceeds with foreclosure on my property. 

I have worked with the company since XX/XX/XXXX and filed written complaint with the company on XX/XX/XXXX. I kept calling the company and only got notified today through the phone that the loan servicing department of Shellpoint still considered that my payments are late.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Tower Loan of Mississippi, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had an installment loan with Tower loan. I fell behind in payments and the interest rate at fifty five percent. I would make a payment with my debit card and no receipt. Then I start going in person and I would ask for a balance after payment. I went through at least four managers in a ten month span. I could never get a balance of what I paid. They would always give me the balance before payment with payment. No matter how much I paid the balance barely moved. After a long period of time I received this letter of judgement Principal Amount XXXX, Accrued Interest to the date of judgment XXXX, Attorney Fees XXXX, Court Cost XXXX Total {$1800.00}. 
I had already agreed to pay {$50.00} a month until paid in full but I never thought the outrageous 55 % interest would continue. 
The first judge advise me to get a lawyer, but his last words to me was to just show up at the next hearing. He then ordered the lawyer to have a rep from Tower loan there. I later received a letter from the lawyer stating that he has changed judges and a new court date. The second judge told me that the law was the law and he couldn't argue my case. So that told me I have already lost since I can't afford an attorney.

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 2022-02-19
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred money from XXXX Bank to creditkarma.com {$2000.00} it never made it to the account and was marked NSF this was not true at the time of the transfer nor is it true now. According to XXXX XXXX a bank to bank transfer is like a Cashiers Check coming back NSF it can not happen. 

Furthermore, my atm card is not working and there is no valid reason for this.

Company response to consumer: Closed with explanation