BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( XXXXXXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX Account Info 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX 10 ) XXXX/ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
My complaint is two-fold. First it is again XXXX XXXX as I made a reservation for a stay in XXXX, Hawaii on XX/XX/2020. As soon as the state of Hawaii put in a mandatory 2 week quarantine, I cancelled the reservation on approx. XX/XX/2020. I requested a refund of the total amount {$1000.00} less the service fee, or a refund of {$760.00}. My host, XXXX, told me to contact XXXX XXXX. The reservation was for the week of XX/XX/2020. At that time, when you called XXXX XXXX, they had a recording that said, unless your reservation is within the next 72 hours, we can't help you. I kept trying to contact them and could not get anyone to respond to me. I then put in a dispute with my credit card company that I used to make the reservation. After an investigation, they denied the dispute. I then called XXXX XXXX again on XX/XX/2020 and talked to XXXX who promised to elevate my problem and that someone would contact me. I called again on XX/XX/XXXX and was told the same thing, someone would contact me. No one has ever contacted me. I did not travel to Hawaii due to Covid 19 and the travel restrictions. XXXX XXXX has had my money for over 5 months. I feel XXXX XXXX would refund the money andor the credit card company should have approved my dispute. Please 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 monetary relief
Consumer complaint received 2015-07-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXXI want to place a complaint against ASC in regards to a loan modification for my subject property located at XXXX XXXX XXXX, XXXX, NY XXXX with a loan # XXXX. The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is XXXX, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analysis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX of this year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The XXXX entry team after an initial interview, advise me that I can be reviewed for a loan modification and advise me to send the following documentation on XXXX XXXX, and advise me that this will be needed to reactivate the file : - 2 pay stubs for XXXX 2 pay stubs from each company XXXX- 2 most recent bank statements- LOE of rental going up this month- LOE of start date for XXXX- new lease agreementUpon faxing the documentation on XXXX XXXX, I called on XXXX XXXX and they advise me that I need a lot more income that it was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with XXXX, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. 
I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. 

Please help me come up with a solution with this bank and save my house. I really need your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a university student preparing for an internship in XXXX. I went to a branch office of Wells Fargo Bank in XXXX, Maryland and requested XXXX counter checks to cover the security deposit and rent on my summer sublet. What I was sold, at the time, were cashier checks, which I did not understand were not counter checks. I sent the counter checks to the lessor and they were apparently lost in the mail. Upon realizing this, I called the bank to stop payment on the checks but was told that I had to go into the bank branch office with the checks to issue the stop payment. I went to the bank the next day - XXXX XXXX, 2016 and was told that I had to pay {$120.00} for a surety bond for the XXXX checks and an additional {$62.00} for the stop payment. When I asked why I had to pay for a surety bond they just stated that it was the policy. I asked what the surety bond was for, and they indicated that it was for the re-issuance of the cashiers checks. I stated several times that I did not want the checks reissued, but they continued to state that I had to pay the surety bond fee because it was their policy. I asked several more times why a surety bond was needed when the checks were not being re-issued. The customer service person finally checked with a supervisor and reported that the {$120.00} fee was not necessary. If I had not asked the reason for the fee many times, I would have been charged {$120.00} for a service that was not necessary. They then went on to state that I still had to pay the {$62.00} fee to put a stop payment on the checks. This process took a total of 1.5 hours to resolve in the bank branch. After finally agreeing to pay the stop payment fee, I was told that I could not do it after all because the bank branch notary was not in the office that day. I was told that I would have to come back another day. My complaints are : 1 ) that I was sold XXXX cashier 's checks when I asked for counter checks which I learned would have been drawn on my account directly and which I could have cancelled over the phone ; 2 ) that Wells Fargo attempted to charge fees that were not appropriate for my situation ; 3 ) that the banks staff was not knowledgeable of the fee requirements, relied on simply stating that it was policy and only relented after several questions as to why the fee was necessary ; 4 ) that the bank, while open for business, did not have proper staff available to address my stop payment request ; 5 ) that by not providing the service as requested, added risk to me in the form of potential loss of funds ; and 6 ) that I was required to return on another day in order to complete the stop payment process.

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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to inform you that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I  request that all the information circled on my credit report be blocked from my consumer credit file with your company pending full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is done to remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
hello I received a debt collection notice from Midland Credit Management stating I owe a debt. I do not believe I owe this debt and they can not give me any proof of this debt. I have also tried calling XXXX, XXXX and they all direct me back to Midland Credit Management. If I in fact have a debt I will gladly pay it but I do n't and until I have proof of this I will not pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the primary borrower on an FHA mortgage from Wells Fargo Bank. For my XX/XX/XXXX payment, I accidentally scheduled a payment from an account that had no funds ( because it appears first on the Wells Fargo portal ). 

Wells Fargo 's online system tried to process the payment and ( not surprisingly ) the payment bounced for insufficient funds. Rather than notify me, they proceeded to process the payment 2 more times, resulting in a total of {$96.00} in insufficient funds charges on my originating account. 

My complaint is based on the following : ( a ) If the payment bounced the first time, why would Wells Fargo continue to attempt to process the payment 2 more times without notifying me? 

( b ) Is there anything in Wells Fargo 's documentation that clearly informs the consumer that a submitted payment will be processed multiple times without prior notification to the consumer?

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Delete these accounts immediately

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 2020-05-20
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company CREDENCE RESOURCE MANAGEMENT which I hold NO CONTRACT has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1500.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to XXXX, Equifax, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}

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 2020-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a checking and savings account with HSBC for over about 10yrs over those period of years, I was having concerns with my account transactions but because I was reluctant to change a bank, I continued with them until about a year ago, I finally had enough of my account not being accurately reflecting my actual amount deposited and withdrawal. As a result, I contacted them and closed the account. Few months after closing the checking account, I notified them and went to one of their branches in XXXX XXXX, and worked with them to close my savings account. At that time, the never informed me of owing the bank. After few months, I started receiving letters from the bank that I am owing them {$250.00}. I asked how come I was owing and what did I buy from them to be owing them. I dont even have their credit card per-se, but they were not able to explain to me how I was owing them just because I closed my account. If I was owing why did you allow me that o close my checking account and even came to your office and finalized for closing the savings and nobody said anything. I keep ignoring their bill until they sent the bill to collection which has affected my credit score. Please reach out and let them remove that from my credit score, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, Asset Acceptance obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked Asset Acceptance to provide me with the date and amount of the last two payments on the original XXXX account and they refuse to. I have contacted XXXX the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
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: Account status incorrect

Complaint:
The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I submitted a previous complaint # XXXX against Regional Acceptance Corp. Please refer to my original complaint which is the origin for contacting XXXX. Contacted the IRS when I received these letters stating I owed {$990.00} in which the IRS said ; it did not send no such letters. Attached XXXX scheme letters using the IRS as a way to obtain money.

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 2020-08-12
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from Revenue Enterprises LLC for months. I do not talk to them. Their message says they are a debt collection service. They do not say who owes the debt or use my name. I do not owe any debts so I think this is a scam. They are located in XXXX. Co. Their telephone # is XXXX XXXX XXXX but they leave a different call back number. I would think that not getting a response from me they would send a written notice if they are legit. Please advise me on how to get the calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: AL
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 several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX  Card Services

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 2018-06-01
Company: EQUIFAX, INC.
State: TN
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 disputed these ACCOUNTS WITH THE EQUIFAX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: ProCollect, Inc.
State: LA
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:
Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report

Company response to consumer: Closed with explanation