BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion continues to report currently late payments and a balance on an account with XXXX Bank, although XXXX sold our account to a junk debt buyer and ceased operations in XXXX. My family is being held hostage by this inaccurate reporting. The company sold the loan account and went out of business ... how on earth could they still be reporting late payments currently?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CHARLES SCHWAB CORPORATION, THE
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Charles Schwab & Co. 
Online Profile Request all accounts closed Identity Theft/Fraud XXXX XXXX XXXX XXXX XXXX Sent certified mail request ; unknown delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The person who has my money for this investment account is named XXXX XXXX XXXX. this is her XXXX page link. 

XXXX XXXX XXXXXXXX She promised me a 100 % money back guarantee on my investment. When she deposited my {$18000.00} into XXXX account, I began to make a profit. However, she told me that I would have to borrow another {$100000.00} from my bank in order and give it to her as commission in order for me to have access to the money in my investment account. I have XXXX and I have everything she said on XXXX XXXX and XXXX to show you exactly how she used the name of XXXX and everything else to get me to make this investment with her. 

All I really want is what she promised. That is a 100 % money back guarantee. I have been asking for my money back for days now. she told me if I go to my bank and borrow {$100000.00} then I can access the withdrawal feature in my account. She is in constant contact with me and thinks that I am going to go to the bank and make the withdrawal. I told her several times that I want my money back. She will not take no for an answer. She just asked me to go to my bank and take out a loan a few minutes ago. This crime is happening right now! 

My name is XXXX XXXX and my phone number is XXXX XXXX ) XXXX ) Email : XXXX Email 2 : XXXX If you need any evidence please contact me. This crime is active right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: IL
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:
I have a few creditors on my report thats Hindering me for roughly XXXX I send it to All three of the bureaus. Only for the same student loans and private loans to be on my credit files. Ill like them to be removed ASAP. Its false information. I also will like my address to be removed as well as misrepresented of the person I am I dont want to be contacted about any loans that are not mine.

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 2020-03-10
Company: NCB Management Services Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management is reporting negative information to the credit bureaus for an auto loan that I do not have with them. Ive never signed a contract with NCB Managemnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX Also, all XXXX accounts have the " SAME NUMBER '' Please Remove ASAP

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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. Well please delete all of them.

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 2022-10-09
Company: CCF Intermediate Holdings LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
California Check Cashing store in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i was going to this check cashing store to cash my checks and one day i asked for a print out of the checks that i had cashed and XXXX the supervisor gave me a print out and i looked at the print out and i noticed there where checks and i looked at my edd account because i new i had been missing some edd checks that i never got and the checks that was cashed there i believed where checks from edd so i called up the check cashing store and told them not to cash any more of my checks there because they are stollen checks and the lady XXXX told me they would not cash any checks no more well about two weeks latter i went down to the check cashing store to cash a check and i got another print out and there where more checks on the print out i asked the lady working why are there checks still being cashed under my name and she told me she did not know for me to call the main office so i did and the XXXX XXXX XXXX for me to make a police report and to call her and give her the report number so i did and they would not do nothing i told them they need to please stop cashing checks there under my name and they supervisor had told me that there is a check of mine that bounced there it was a miss understanding the man i was careing for wrote me a check for careing for him and i went an cashed it there and i went and got a letter from the man i was taking care of because the mans nefew was unaware of what was going on so i was told to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother XXXX in XXXX with a reverse mortgage from Wells Fargo. I was assigned a " Loan Specialist '' ( by mail ) and tried several times to speak with her, left several messages and NEVER got a called returned. I waited for 2 months. The letter they sent clearly says I have 6 months to ignore, keep or sell the house. Now that I have the house on the market I FINALLY got some XXXX on the phone and I am told that the house has been referred to foreclosure attorneys! I have sent in every paper and document they asked for before the deadline ( which I would have known about sooner if anyone had returned a phone call ) and I am told that there is no way to stop foreclosure proceedings. I was missing the listing agreement but I was not told about that until I called them to ask why I am not being notified about anything. I immediately sent it in. Since I asked for an extension I was told they will probably grant it and that will hold the foreclosure but how am I going to sell a house if potential buyers find it is " in foreclosure ''? I believe I have done everything they have asked me to do, provided every document, yet foreclosure proceedings have begun and I was told there is no way to reverse it. They have been non-communicative and I have had to drag out every bit of information and now I am incurring foreclosure fees for a house I am trying to sell. I am trying to do the right thing and sell the house so everybody gets their money, but they are making it very difficult. My " specialist '' has never heard my voice, I have to deal with the 'home preservation ' people and it is difficult enough to mourn the loss of my mother without having to fight to sell her home. I now understand why Wells Fargo sustains such horrible PR. They seem to be indicating that they would rather I just walk away from the house then try to to what is right. This is not how, as the letter states, they show they are " committed to helping you through the process and making it the best experience possible ''.

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 2022-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Mailed certified letter to XXXX with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If XXXX can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from  XXXX  credit report on  XX/XX/2017    then added back on  XX/XX/2017   . This action was a violation via FDCPA and FCRA for not giving me a  5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XXXX XXXX, 2020. I will be a member of the class action above.

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 2020-03-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX I entered into an agreement with Santander for an auto loan in the amount of {$23000.00}. I made payments for about 1.5 years on time before I began to experience severe illness that put me out of work. I had to wait to get approved for XXXX XXXX XXXX, which is why the XXXX & XX/XX/XXXX car payments were late. Once I started, I began to pay on time for 5 more months before I lost my job completely. Because I had no income, the loan went into default. The vehicle was repossessed. I know the vehicle was sold but there is still a balance of $ XXXX owed. That doesn't make much sense and I can not afford to pay that. I can afford to settle the debt for {$1000.00}. Unfortunately, I can not afford to pay anything else. The debt is now going on four years old. I just wan na settle and get it {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XX/XX/XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XX/XX/XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, 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 2020-03-10
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The rental company I went through to rent a home in XXXX Tried to overcharge when I requested to break a lease early due to hurricane florence. When I could not pay them at the time they sent the bill to collections. 
The collection agency is Online Information Services. They are located in XXXX, NC. 
The real estate company is XXXX XXXX XXXX in XXXX, NC. 
I attempted to contact the collection agency by phone on XX/XX/XXXX in an attempt to pay off the debt in an effort to have it removed from my credit report. The agent on the phone informed me that they were unable to remove it from my credit and that I would have to wait the full 7 years before I'd see it removed. 
I then contacted XXXX XXXX XXXX via phone. They informed me that they could remove it from my report after I made the full payment. 
I wrote them an email asking that they update my address information and that once paid off the debt would be removed. 
The real estate office responded vaguely informing me they would let me know when they received the payment. I proceeded to once again request a confirmation letter that once paid the debt would be removed, to which I have not got a reply. 
I would like this account to be removed and I feel I have the right to have written confirmation that this will be removed before making any payments. I also feel as though I have been taken advantage of. Multiple charges were made. I was fully moved out XX/XX/XXXX and the house was cleaned up yet they charge me for 16 days as well as for a screen door that was still at the property but had came off during the storm. The main issue I am having here is that I want to have this account removed from my credit and the companies are evading providing a confirmation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: RGS Financial, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting in  XXXX  o f 2016 i  started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. this is NOT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a deposit for {$1800.00} that was going into my closed personal checking account at chase bank. I was told that as long as I spoke to the claims department, that they would re-reroute it to my correct account. So I spent an hour talking to a claims specialist on XX/XX/20. It was clear to me that she didn't know what she was doing, and I kept asking her to transfer to a manager, and she didn't. She finally said she had taken care of it. Today, XX/XX/20, I called chase because the amount was never sent to my correct checking account. First I was told I never spoke to anyone on XX/XX/20. Then, when I got mad and pointed out that they should be able to see whether their employees are digging around in my account, they admitted that an employee from an office in XXXX had taken that call, but done the claim improperly and that now they don't have the money. So I asked them to escalate and I was told by two separate employees that because XXXX had gotten everyone 's tax documents out late, they were getting a lot of complaints, so they wouldn't be able to speak to me for a while. And when I got home today, I had a letter from XXXX dated XX/XX/20 that states that " As we discussed and agreed, no action will be taken. '' And this is 100 % false. I am concerned that they are allowing employees in another country to dig around in my account, don't seem to have proper records or recordings of it, and now they have lost my money. XXXX used to be a decent bank, but now they have fallen so low that they may have compromised my financial security by possibly letting an unauthorized individual go though my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Reliant Capital Solutions, LLC
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: Account status incorrect

Complaint:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched list UNAUTHORIZED TRANSACTIONS REPORT OF XXXX & XX/XX/XXXX. See attatched USAA FRAUD CLAIM DATE XX/XX/XXXX dated XX/XX/XXXX. The UNAUTHORIZED TRANSACTIONS WERE SUPPOSED TO BE THE {$470.00} UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX ** TO PROOVE XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA KEEPS SLANDERING MY GOOD NAME CONFIRMING XXXX XXXX ( a returned item ) WAS INCLUDED IN FRAUD REPORTED XX/XX/XXXX. USAA PLEASE PROVIDE A LIST OF THE UNAUTHORIZED TRANSACTIONS TOTALS {$470.00} I REPORTED FRAUD. As requested. TO CONFIRM XXXX XXXX IS NOT INCLUDED IN FRAUD REPORTED BY ME XX/XX/XXXX. Also please provide XX/XX/XXXX REPORTED UNAUTHORIED TRANSACTIONS AND WRITTEN PROOF OF DELIVERY INTO MY HANDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation