BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have paid the company to remove credit freeze and sent a copy of my social security card, drivers license, and utility bill to permanently remove a credit freeze and they put it back on without my consent. Transunion constantly sends you to XXXX and it is a vicious cycle of sensitive information being given out to those that have the opportunity to commit data breaches and other identity crimes.

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 2015-09-10
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020, I received, in the mail, my new vehicle account information and the bank holding the loan, Wells Fargo. I completed the information needed for " XXXX '' banking to allow me to utilize the internet to pay my car loan. With the information requested, I was assigned an online account. But in the account, I was also access to an account that was not mine. I had access to this person 's checking account information to include bill paying access, amount access, etc. The person 's account information was related to me, however, this person 's account had to direct correlation to my vehicle loan and/or personal information from my relations. Somehow, Wells Fargo managed to merge the person 's checking account into my vehicle loan account without my permission nor the checking account holder 's permission. I called Wells Fargo and they directed me to their division that handles the online account services. " XXXX '' who was the representative that assisted me asked me several specific questions to include personal information. My question for him was, " How did my information cross over to the checking account that does not belong to me? '' I criticized him on the security of their banking facility and he said that his banking facility is very secure. I explained to him that it was NOT secure enough to differentiate between a non-checking account holder in the other person 's account to my account. With this mishap, I question the bank 's legitimacy and their policies and/or procedures in allowing this to happen. I would like an investigation be conducted as to possible fraudulent practices that Wells Fargo may have going on, if this action falls within the scope of fraud and/or failure to secure personal information of the account holders of Wells Fargo.

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 2017-10-10
Company: Thrift Investment Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an account with Thrift Investment for XXXX for an auto loan of a car that was repossessed. At the that time my significant other passed away and he was responsible for the bill and i no longer couldnt afford it. I did try to get the car back from the 3 months that i owed but they wanted the payment of the car in full. This account on my report has stopped me from being able to rent apartments and to get a car. I still am not able to get a car at this time. I would like this account removed. Im even ok with setting up payments to pay my debt back. That year was very hard for me i lost my car and apartment im just trying to get things back in order for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have already filed a complaint with CFPB but i need to notify you about this. 
My home was sold in foreclosure on XXXX/XXXX/15 while being in a loan modification. 
The bank ( Bank of America ) legally foreclosed on my property and violated the Homeowner Bill of Rights. 

" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' XXXX Please help in getting my home reversed from the bank due to negligence of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions 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:
violation of XXXX and cra inaccurate information

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 2021-02-19
Company: BARCLAYS BANK DELAWARE
State: MA
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 negotiated a loan payoff to Barclay Bank, and they still show that it went to collections and was not resolved

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 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - Capital One XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Global Lending Services LLC
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:
XXXX XXXX XXXX falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Remitly, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Send money From XXXX XXXX XXXX {$150.00}. On XXXX XX/XX/XXXX ref number XXXX through the Remitly Transfer Coy But Money could not transfer to the Account after sending 6 days On my request they Canceled the transaction but show still, in progress After many conversations It's in progress and no action pls gave favor and approach to remitly for my refunds. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Flatonia Investments, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of building a home with Envoy mortgage company in NC, and it has become a nightmare. When the time came to get the finishing apprasial, Envoy instead of having the same appraisal company go out when construction was about to be complete, they sent a whole new appraisal company out to do the second appraisal. The difference from the first appraisal and second is {$28000.00}. They said they use a third party and have no control over if they send out the original appraiser or not. 
I can not come up with that kind of difference and so the builder has to stop construction on the house to control their loss litigation. The Envoy mortgage basically has thrown their hands up and not taken any responsibility to finish the process they started with me. SO they got me into a high interest only loan to purchase my land and build a house and now they will not finish the job and complete my final mortgage. I 'm in jeopardy to lose my land, the new house that I have already invested thousands to build in the first place, my credit, oh yes and my family will have no place to live. I would never have put myself in this position if I had know that something like this could even happen and Envoy mortgage company basically just quits when they created the situation by using XXXX different appraisal companies. Now the mortgage lady XXXX wo n't even return the builders calls and we struggle to get resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NH
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:
Experian is reporting an alternate SSN tied to my information : I contacted them and provided them a photo copy of the ONLY SSN I have ever had ; nothing was done to fix it or show in their investigation a status of fixing it. They should not be allowed to list an invalid and never owned SSN on my credit report It is listed as : Social Security number variations : XXXX Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017

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 2016-10-12
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
American Express send notice in the XXXX billing that they are changing their payment options in XXXX XXXX. In XXXX, an interest rate will be charged on any amounts that are not paid in full by the payment due date, which according to my XXXX XXXX bill, is 7 days from the date of when I received it ( yesterday, XXXX XXXX and my due date is XXXX XXXX. ) I have called American Express and they told me they would comply with all federal laws, but the way this notice reads, they are not. Your rules clearly say that they must give us 21 days each month to pay the bill. Currently, we are given a " please pay by '' date ( one week ) and a closing date which is approximately 14 more days after the " please pay by '' date ( and the correct, approximate 21 days that the law requires ). But the American Express notice states that the interest will be applied to any amounts that are not paid until the closing date. Please look into this and make American Express comply with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI has continued to hold on to my money and not allocate the money to my mortgage account in the amount of {$1200.00}. They charge me late fees repeatedly even with my paying more than is due. 

I have attached a copy of a screen shot of XXXX and paid more the required amount. 

I want my mortgage payment allocated and late fees reversed based on the attached screen shot of my mortgage account as well as the unallocated mortgage payment.

BSI continues to charge late charges on a payment that was made to them and they refuse to allocate the money. 

I want a RESEARCH analysis done and the XXXX payment applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
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:
I have two fraudulent injuries reporting on my Equifax credit report which are listed below I didnt not apply or authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Contacted bank support via mail, email snd XXXX  XXXX via email first week of XX/XX/2020 to close account was advise account gad an available balance of {$100.00} do i want to withdraw or gave check iddued as accounted needed to be at XXXX I withdrew i was advised on a recorded line account submitted for closure i gave it no mind at all thereafter I then received notice of charge off showing in chex systems and ews i again contacted all of the above i was advised there appeared to be a posting error which resulted in fees but rest assured they were were removing all fees and pulling account back from chex and ews 1 of the 3 took place rep advised exact amount showing was being credited back and i no longer haf to worry about as it was very clear there was zero activity past that point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: CA
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:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. Its been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I hired XXXX XXXX to repair my slow computer. I paid him {$290.00} on XX/XX/2021. He removed the computer from my home and replaced my hard drive. The computer was returned to me. I discovered that he had failed to transfer any of my files from the old hard drive onto the new hard drive. All of my pictures, files, documents, etc. were gone. The computer was still running slow. Despite my numerous attempts to reach him by phone and email he never responded to me. The attached documents clearly spell out my complaints with him. 

Capital One denied my dispute claiming in a form letter that I had not provided all of the information that they need to resolve my dispute, that is hogwash. I supplied every fact that was necessary to document my dispute and resolve the dispute in my favor. 

So for {$290.00} my computer still runs slow and all of my files etc. are forever lost. 
XXXX XXXX is not entitled to be paid for his " services ''. He is an incompetent thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
I been sending numerous letters to equifax credit bureau. And each time they give me different things to do .. one representive gave me a fake name and said that it was protocol .Im fighting to remove fraudulent information from my credit and customer service personnel if basically giving me fraud information .. this is why I cant get anyone to help me. I will also seek legal counseling about this situation so it doesnt happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday, XX/XX/XXXX at XXXX PM, I called a Customer Service Number ( found online on XXXX ) at XXXX and XXXX XXXX for XXXX ink to complaint about not knowing they were scammers they claimed that I had malware on my XXXX and I thought they were legitimate and they asked me to download another app so they can help remove this malware, so they access my cash app and transferred {$860.00} to someone I don't know, as soon as I detected that it was a scam I hang up the phone and call cash app. I tried to reach the cash app Customer services all night and went to the chat box to notify them and at the same time, I called my Bank XXXX to stop any link and reported the incidents. Cash App got back to me the next day and I was told that they will investigate this incident and refund my money but I received an email today XX/XX/XXXX declining to refund after being scammed on their platform, through their services, and with their help. It is bizarre that Cash App will refuse to stop this scam on me. When on multiple occasions they stopped my legitimate transactions because it was the first time I was sending money to a specific donee and I was told it was for Anti-money laundering and it was to protect me. But these individuals, I have never sent money to them before, why has the same procedure was not applied even after I filed the complaint for scamming? The person who received the money, Cash App refused to give me details so I can file a police report. 
I was not asked if I knew the recipient and I don't know the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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: Information belongs to someone else

Complaint:
inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

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 2022-09-30
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with XXXX XXXX to get them to help us get current on our mortgage. They have sent the paperwork requesting information to LoanCare at least twice. We have called LoanCare several times to see the status of the paperwork and every time they give us a different answer and tell us no one can get on the line to help us get this corrected.

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 2017-10-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed a debt with XXXX XXXX XXXX, and they have not provided me any validation that the debt belongs to me. I have asked them for a signed contract between myself and XXXX XXXX XXXX, and have also asked the original creditor ( XXXX XXXX XXXX ) for a signed contract. The original creditor said that they do not keep information on file after the debt was sold. They did state that the amount of the debt was {$3900.00}. The debt was sold to XXXX XXXX XXXX on XXXX XXXX, 2013, and since then XXXX XXXX XXXX has reported that amount owed is {$4000.00}. This is a clear violation of the FDCPA by XXXX XXXX XXXX. I am not assuming responsibility for this debt, nor am I claiming ownership. XXXX XXXX XXXX has failed  to provide clear validation of this debt by not providing me a signed contract with my signature on it. So they are in violation of the FDCPA and FCRA. I am demanding that this debt be removed from my credit report by all 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions 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:
inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

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