BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , &   XXXX   XXXX   XXXX  ,   XXXX   XXXX  .,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX      XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   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 2019-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, Equifax and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted TD XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, XXXX and Equifax file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
I was a victim of identity theft. Someone has been falsely using my identification for the past 8 years without my knowledge. All the information being reported by Experian, XXXX XXXX XXXX is false. These companies have failed to show proof of items being reported.

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 2017-04-24
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Th is debt has not been " VALIDATED '' you did n't give me the opportunity to validate before add ing it to my credit reports. YOU ARE I N VIOLATION OF FCRA and FDCPA laws. Its evident that United Collection Service do n't have proper documentation to collect this invalid debt. You do not have access to files allegedly SIGNED by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from United Collection Service. I have the right to request documentation with my physical signature ; as ide ntity theft is at an all time high. I 've sent a complaint to BBB as well as I 'm in  XXXX  with the tactics of this company and how they 're destroying my credit worthiness. Feel free to respond to this complaint with  '' HIPPA RELEASE '' - Medical records and or Documents signed by me. If United Collection Service have a right to collect, they have a duty to produce legitim ate validation. Until I receive documentation requested ; my HIPPA rights are being viola ted. Producing a statement from some medical facility with diagnosis codes, procedures, a date of birth, and address does not validate this debt as mine. Your acts are damaging and disheartening. THIS IS NOT MY DEBT.. However if this can not be fixed within 5 days I have no choice but to file a HIPAA complaint with  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXXI did a standard transfer of {$490.00} through Venmo which I'm told is a Paypal subsidiary XXXX I was transferring my funds to my bank attached and verified by Venmo. When it didn't arrive in a couple of days I figured it was the XX/XX/XXXX weekend and banks were closed. On XX/XX/XXXX I immediately called Venmo customer service and they said they would look into it and get it handled. It was at this time I was told the funds were sent to some arbitrary bank that I never even heard of and it was nota verified account. I was told this should be resolved within 7-10 business days, weeks went by and I was told again that it accidently did not go to into priority resolution and it may take up to three weeks. I have e-mailed several times and called several more times only to get the same run around. They stole my money and do not see that this is a major problem XXXX XXXX XXXX XXXX ( is on the venmo account )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Submitted a complaint a while ago and my statement was clearly twisted. " Your company ALLOWED '' someone to steal my money and make revisions to my account and transfer it out. This is the absolute only way it could of been taking is to be transferred via a dtcc or acat transfer. This large amount of XXXX could of not gone in one large batch. It would of required a medallion signature and occurred somewhere in XXXX Who ever stole it which I believe is the same person who did it in the past, probably switched the tax id number and name. Please check your records for large amounts that total XXXX  from a particular account. I would bet it is my account. XXXX XXXX and their fraud team will be able to search. 

Case XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Account Number ( last 4 digits ) : XXXX, XXXX, & XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX : I am writing you on behalf of FNBO, in response to your complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) . We received the complaints on XX/XX/XXXX and XX/XX/XXXX. As we understand it, you expressed concern that you have been unable to locate your account and your assets with FNBO. You stated another individual was allowed access to steal {>= $1,000,000} from your account and then transferred the account to another financial institution. We appreciate you sharing your feedback with us and hope the information below will help to address your concerns. Our records show you have two open deposit accounts with FNBO, a sole owner checking account ending in XXXX and a savings account with XXXX XXXX XXXX listed as the minor account holder ending in XXXX. Your most recent account statements for your checking account and savings account are enclosed. The statements show your account balances as of the statement closing dates. You also had a checking account ending in XXXX that was closed on XX/XX/XXXX. That account had a zero balance since the close of your XX/XX/XXXX account statement ( enclosed ). You added a verbal password to your above-referenced open accounts on XX/XX/XXXX. For the security of your accounts, that password will be requested each time you call. Additionally, your accounts do not have an associated Power of Attorney ( POA ) on file as of the date of this letter. We searched our records and were unable to locate an account in your name or in XXXX name, containing the dollar amount referenced above. Thank you for giving us the opportunity to reply to your concerns. Sincerely, XXXX XXXX Office of the President, FNBO  XXXX Enclosures ( 3 ) CC : Consumer Financial Protection Bureau

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 2017-04-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,  XXXX , I was contacted by  Wells Fargo Bank, who I hav e my mortgage with about a Payment that I owe. I spoke with "  XXXX  '', he said I had an outstanding payment of {$1600.00}. I did not know what for but I complied and paid {$1200.00} by phone and the difference of {$430.00} would be paid with my next mortgage payment of {$540.00} bringing it to a total of {$970.00} which was paid on  XXXX   XXXX ,  XXXX . I made another payment of {$520.00} on  XXXX   XXXX ,  XXXX  and then another payment of {$1000.00} for  XXXX   XXXX  and  XXXX   XXXX   XXXX  payment.  XXXX  took this payment. On  XXXX   XXXX ,  XXXX , I spoke with a  XXXX  and she says she did change to back the loan to automatic withdrawal as this was how this account was set up from its inception.  XXXX  apparently did not do the automatic withdrawal and again in  XXXX  I receive a call from  XXXX   XXXX   XXXX   XXXX ,  XXXX . He took payment from me over the phone for {$2100.00} and says this was payment for  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX . He told me the next payment would be due  XXXX   XXXX ,  XXXX  and that I have a grace period of 17 days before a late charge would be assessed.   From then I have been going into the bank branch of  Wells Fargo Bank to  pay my mortgage payment twice a month and this same incident has started again and I need some help as they now want to foreclose on my house for {$4200.00} of which I can not get a proper explanation why do I owe this money. and I am still paying my payments in a timely manner. On  XXXX   XXXX ,  XXXX  I spoke with  XXXX  employee #  XXXX , he said he will generate a work order and in the mean time to continue to make payments in the banking center so as to stop the harassing phone calls I have been getting. He did not follow through as the calls continued. I then call again and spoke with  XXXX  ID #  XXXX  on  XXXX   XXXX ,  XXXX  she advise to go in bank and bring as much proof of receipts of payments. I then spoke with  XXXX   XXXX . She will submit account history. I made a payment with her over the phone for {$440.00} confirmation #  XXXX  not sure if this was a partial payment or what. She sent me a payment history but that did not explain anything more to me. In the meantime I continue to pay my mortgage in the banking center. At this time I am exhausted and need some closure to this problem. Please help. Another thing to mention is they changed my ACH, my automatic withdrawal without my authorization.

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 2022-10-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: TX
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 received a charge for {$300.00} on   XXXX     from  XXXX   XXXX  to which was an unauthorized charge. I called chase bank and informed them of this charge. They issued me out a new bank card and tried to recover the funds but was unsuccessful I which is why I 'm filing this dispute to try to recover charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Lockhart, Morris, and Montgomery have failed to provide verification of debt. They have uploaded an affidavit not signed by me stating that the debt is mine. An affidavit is not proper verification of a debt. Proper Verification of Debt would be the Promissory Note with my signature and XXXX as the original lender. They have failed three times to provide the contract between me and XXXX as they state exist. Please upload the a contract between me and united first federal. DO NOT MAIL SUCH DOCUMENT TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CARVANT FINANCIAL LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second complaint filed against Carvant Financial. I had a vehicle Repossessed and the amount that was delinquent is now {$700.00} higher than when the account was written off. 

Carvant Financial half fixed the last complaint that had one year of late payments after the account was closed, when you read the last complaint you will see they agreed to fix this and it's still not correct. There should be no late fees or added interest to an account that is closed. The added late monetary amount reduced my credit score XXXX points.

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 2017-06-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from 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 2021-12-09
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Ive had a claim since XXXX and it got denied according to them because I didnt submit claim papers but I have screenshots and my emails to prove that I have sent I then call them to speak to a manager and tells me they havent got my emails so then i said okay well on my side it shows that I am sending it to the correct email and then they keep telling me to wait a couple days to update I been waiting its now several months and I made a new claim and the same thing so Im like okay so whats the next procedure because yoi guus keep telling me the same thing over and over and I keep waiting and each one tells me to wait till it updates I have screenshots that I am sending it to the correct emails Ive sent in the detective information Ive sent in police report and pictures of my place burglarized. On where all my knflrtmairon and passwords were stoled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Capital one continuously pulled automatic payments out of my accounts when it was pretty clear that the transactions were being returned simultaneously and they continued to hit my account with charges. Same with the credit cards Ive had with them for years. My payments were always made and I lost my job due to XXXX XXXX and finding another source of gainful employment was impossible due to several businesses being out due to damages. Ive attempted several time withof my auto loan company ( not capital one ) and credit cards I have over these issues and no one has been understanding or really caring for that matter. Now, the credit I worked hard on building is all gone and Ive even tried to call and make arrangements to fix the damages and pay on the accounts .... still nothing. Now, I cant even link my existing accounts to my capital one accounts to be able to have access to my funds and make payments. Im so overwhelmed and I feel like Im never going to get out of this hole!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: IL
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 have called and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also three inquries where someone attempted to get cards in my name from XXXX  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 non-monetary relief
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: SC
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 been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After reviewing my credit report I discovered several fraudulent accounts.

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