BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX, XXXX Account # XXXX, XXXX Account # 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 2021-06-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My former partner and a friend obtain my personal information to open an account at XXXX XXXX XXXX in XXXX at a XXXX  Event in XXXX California. The checking account they opened was unauthorized and was not open by me or I gave any consent in opening the account. My former partner was very abusive towards me and I was a victim of XXXX XXXX and identity theft. 

They misused the account and now there is an outstanding balance of over {$500.00} reporting on Chexsystems.

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 2016-04-24
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was dealing with Royal United Mortgage. A woman by the name of XXXX XXXX leaned on me for about 3 weeks to have an estimate on my house, XXXX assured me that I would be on a fixed 4.25 % interest rate. After I spent {$430.00}. on an estimate ( she also lied about the cost ) ; they upped the interest rate to 5 + %.

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 2021-06-19
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: Was not notified of investigation status or results

Complaint:
TransUnion, XXXXXXXX & XXXX  is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.

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 2016-11-16
Company: RIA FINANCIAL
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
USD ) on XX/XX/2016. The date of expected payment/ deposit of the USD was XX/XX/2016. I was using XXXX transfer services. I had problems in the past sending a smaller amount. ( A staff had helped me over the phone to send a previous amount and gave me the wrong info. - which I found out a week later when the transaction did n't process and had to redo it which delayed my payment further ). On XX/XX/2016, I was called by an XXXX transfer rep regarding the XXXX XXXX transaction and I stated that I had a lot of problems in the past with my personal bank and I did n't think it would work since my personal bank had to verify the account first, then may send the money. The verification process takes 2-3 business days and I would miss my deadline of XX/XX/2016 so I requested to cancel but she said I could n't cancel because I signed a " legally binding contract '' to pay for the XXXX since they " had purchased the XXXX based on my order '' at the exchange rate for the day and to cancel may incur loss. She then transferred me to her boss who said the same thing and asked that I speak to my bank. I called my bank and they said I could complete the transaction with bill pay online. I tried this and it did n't work. I relayed this info. to the XXXX rep the next day and he said that they could override their way of doing things and have the total amount direct debited from my account ( previously, they would only allow no more than {$5000.00} be debited at once ). I asked him on XX/XX/2016 to cancel it. He then stated that I would have to pay overage for the amount the exchange rate changed from XX/XX/2016 to XX/XX/2016 in the amount of {$2900.00} to cover their loss for the purchase of the XXXX at the exchange rate ( which was higher ) on XX/XX/2016. I then sent him an emailed request asking for proof of purchase for these XXXX in the exact amount that I requested on XX/XX/2016 with time stamp to prove that, indeed, they purchased these XXXX specifically for me, at the exchange rate for XX/XX/2016 - which would justify their claim for reimbursement. I have received no such receipt/ proof, yet they continue to demand I pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my o ver 20th time  in trying to clear this up. Equifax has me held hostage. They claim they have fixed this problem f or over two years, and I still ca n't access my credit file. I 've attached two documents. 1 from   XXXX   XXXX    where I was denied credit since I could NOT lift my security freeze a nd 2 a nother le tter ( same one sent over a year ago ) telling me  everything is fixed. It is not. When I attempt to lift the freeze, following the prompts, entered my SS # and # 's of my address response : we are unable to match the records.     An attorney is my next step. Class action lawsuit? I can not access my file to lift the security freeze and have NOT been able to do so  for over two years now. When will this be fixed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello all, This debt is based up on my XXXX XXXX which I stopped using it two months after getting it. Now, I receive this debt with an amount of XXXX USD even though I had the XXXX XXXX device at home. I would like to receive details of the amount that the company XXXX XXXX XXXX XXXX XXXX XXXX is asking me to pay. I will appreciate receiving information about it. The letter was received XXXX XXXX,2017 from Transworld system Inc based on the debt had with XXXX XXXX XXXX XXXX. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was a first time XXXX student. I was offered a private student loan with " similar terms '' to a federal student loan. What was not clearly explained is this loan included compounding interest, not simple interest. And, that there were major restrictions on deferment and forbearance options. Therefore, when I was in school finishing my degree. And, later earning my XXXX, this loan would not defer and had no forbearance options. For a new XXXX student, the loan documents and language were too complex. The ramifications were devastating : An $ 30k loan that doubled to almost $ 60k, then went into default while I was still in school XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
We use a Capitol One card to purchase a trip to XXXX with XXXX. Due to COVID-19 the trip was unable to happen. The flights were canceled by the airlines that were booked. Just Fly says the money was refunded, but it never was. We reached out to Capitol One and disputed the charges. We were issued a refund. A couple of weeks later Capitol One then allowed XXXX to reissue the charges, which also prove that XXXX never issued the refunds that they said they issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: PA
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:
I have tried over XXXX times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was granted a Forbarence on our mortgage, we have paid all payments back and current with loan. I have asked for my original Forbarence documents listing terms with the loan and payment plan. I have tried to get these documents for 3 months without any success.

Every time I call I get a run around and sent generic forms without any loan specifics. When I ask to speck to a supervisor or Manager I am told No or that I would be called back. To this day I have called 13 times and never had a return phone call or received the original forbarence documents for my loan. I need these documents to refinance my loan. My Mortgage broker also has tried to request these documents while on a conference call with myself and CitizensOne without any success. 
XXXX XXXX Mortgage XXXX Attn : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The TD Bank in XXXX, NY ( well TD in general ) has no idea what they are doing! I 've had a few accounts with them and at one point they were closed due to being negative, overdraft etc. I have since taken care of each of them and somehow now they have NO RECORD of it. Not only that but with my last account they was some fraud activity and I was never notified of the issue but the account was placed on HOLD. When I noticed the account was on HOLD I then called and spoke to an agent who transferred me to the fraud department. I was then advised the best for me to do was to take care of the negative balance which was {$50.00} and then closed the account and reopen a new one.I was not advised of any time frame, in fact, I was advised to go into a branch once I received the refunds I was waiting for since they would cover the negative balance.Since this all happened around the holidays I did place everything on HOLD till after the holidays. Since then I have been in this branch several times and not ONE person has been able to assistant me with this issue. One they are claiming not see any notes from the first agent stating what my " due balance '' is ( which I ca n't seem to understand because the first rep I spoke to was able to locate the notes. And I would think everyone has access to the same notes and files ) This back and forth with them has been ongoing for months and no one has helped not even a small bit. They have actually kept $ XXXX and something dollars from me ( which I should say STOLE ) with no valid explanation1 I have tried to contact their corporate office via email and via XXXX and no one has replied. I think this is ridiculous that they are getting away with the things they are doing. It 's not fair that I am paying for their XXXX. And now because of their XXXX, this is showing up on XXXX report and preventing me from opening any future account. I would greatly appreciate it if someone got back to me with some of solution for this problem. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: The Law Offices of Gerald E Moore & Associates, PC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now XXXX XXXX XXXX and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX properties and XXXX regarding XXXX, who they first turned it over to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
DCI called a few times to collect an old debt. They told me if I paid in full right at that moment they would remove the item from my credit report completely. So I paid over the phone. The item is still on my credit report and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We make twice a bi-weekly payment on our Wells Fargo ( WF ) mortgage, a {$1900.00} payment on each payday, so that two payments equals our monthly payment for principal, interest and escrow of {$3900.00}. We " skip '' a payment in three payday months ( typically around XXXX and XXXX as these are near XXXX and XXXX and give us extra spending money ). This has not impacted our meeting our total monthly payment and we have done this since the origination of our mortgage in XX/XX/XXXX. 
Per WF on XX/XX/XXXX, they misapplied one of our XX/XX/XXXX payments, putting it towards principal only and recording in their computer system that we were short a payment since then. Oddly, this did not raise any flags until XX/XX/XXXX, when we began being bombarded with phone calls from XXXX. I XXXX this number, found it showed up on many sites reporting scam robot callers, and did not answer. I did listen to one of the messages, claiming to be from WF about our mortgage, and then went to our online account, saw our payment was showing as past due, and called the WF number from our statement. 
After lengthy discussions with XXXX ( who told us there was nothing WF could do and we would need to make an extra payment to correct WF 's computer error ), I was transferred to the next tier. XXXX ( XXXX ) said WF would need XXXX as the mortgage investor to agree to WF correcting their mistake, and that XXXX may not agree that and my family and I may just be out of luck and forced to make an additional mortgage. That is completely unacceptable. We are now filing a complaint. 
For the period of XX/XX/XXXX - XX/XX/XXXX we have had two payments a month deducted from our credit union account ( per the attached statements ). XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have paid our mortgage. WF 's computer/clerical problem is WF 's problem. We request : Our payments be updated properly to reflect we are current and have been current on our mortgage. 
The late fee applied to our account on XX/XX/XXXX be removed. 
All harassing phone calls stop immediately. 
Confirmation from WF in writing that there no negative reports have been made to any credit repository.

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 2021-06-20
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reported unauthorized transactions on my account the day they all happened. Chime bank has made me wait this entire month and still has no given me my provisional credit back yet. I reported the charges on XX/XX/2021. Its XX/XX/2021 and I still have not received my provisional credit. Ive called numerous times throughout the month. I have bills I have to pay and they have not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Penn Credit Corporation
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account.


Subject: Acknowledgement of debt


XX/XX/2015

Room: XXXX

CaseXXXX

XXXX
XXXX

Subject - Traffic Ticket Receipts

Dear Clerk Representative,
Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. 
I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid.    
 
Sincerely,

XXXX
P	 XXXX
E-mail. : XXXX


(Penn Credit) ID number: XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I XXXX XXXX was a tenant at XXXX XXXX apartments. I am a veteran of the armed forces. I qualified for housing assistance under XXXX, I had taled to the landlord about my transferring over to the XXXX to began to make my monthly payments. at the time I was behind on my account with park towers so I was instructed by the landlord that I would have to clear up any and all delinquency on my current account. I agreed and then proceeded to sign up the housing assistant at the XXXX branch of XXXX. I also received assistance from another veterans assistance organization, this organization proceeded to pay the balance in full on my account at XXXX XXXX Apartments. then the following month when the next months payment for rent was due the landlord refused to accept the section XXXX volcher. XXXX XXXX the owner and landlord after we had previous discussed this matter just up and refused to accept the section XXXX voucher this put me in a bind. XXXX XXXX had also discussed this issue with XXXX XXXX the represenitive at XXXX of XXXX Texas. I had no notice of there being a revision in our verbal agreement that included then acceptance of the section XXXX voucher for housing assistance for XXXX XXXX XXXX XXXX the tenant in question. there were or was no eviction process at all. I never went to court for an eviction in regards to my being evicted. I did not volunteer to terminate my lease at XXXX XXXX XXXX, at XXXX XXXX XXXX apartment number XXXX, XXXX XXXX breached a verbal agreement to void the current rental lease agreement and enter into a new rental contact that would include the acceptance of the section XXXX voucher from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX the tenant. XXXX XXXX reported this adverse information to the credit reporting agencies with prior knowledge that it was fabricated and untrue. I have been advised that the information reported by XXXX XXXX has/is/ and will cause there to be continuous rejection and denial of requested terms of credit.

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 2016-03-09
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a notice from a debt collection agency that I owed some money from the cable company. Called the cable company XXXX XXXX XXXX XXXX and I do not owe anything. Called the debt collection company ( Diversified Consultants, INC. ) and was rushed off the phone when I started asking questions about the debt. They said they would " dispute the claim '' and then I was hung up on.

Company response to consumer: Closed with explanation