BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage with Capital One Home Loans. 5/1 ARM. As their rates are not in line with the market, I decided to repay the mortgage. I asked for a payoff letter on XX/XX/2017 with a good through date of XX/XX/2017, which was {$550000.00} ). I paid {$250000.00} ( as XXXX only permits {$250000.00} wire per day ) on XX/XX/2017 ( Fed Ref No XXXX ), {$250000.00} on XX/XX/2017 ( Fed Ref No XXXX ) and {$61000.00} on XX/XX/2017 ( Fed Ref No XXXX ) ( which includes the per diem interest rate through XX/XX/2017, that was provided on the pay off letter ). On XX/XX/XXXX, my Capital One account did not show credit of my wires and still showed the full principal outstanding. On XX/XX/2017, my Capital One account showed principal balance of {$310000.00}, and on XX/XX/2017 the principal balance on my Capital One account was {$250000.00}. As of XX/XX/2017, it still shows {$250000.00} as the outstanding principal balance. I have made 2 calls thus far to find out about the {$250000.00} wire that was already made ; however, neither representative was able to locate the wire transfer. My call on XX/XX/2017 with a " supervisor '' at Capital One said that she will be contacting the account receivable department to see if the {$250000.00} was applied to the wrong ledger and that it will be credited back to my mortgage account once they are able to find it. I can not comprehend how a bank can misplace a wire for 7 days. How are they documenting/accounting for this internally? As a securities attorney, I can only imagine that their internal controls are a mess and I respectfully request that there be a thorough audit of this bank so that other consumers are not left in my situation without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Note : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX DC XXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016 I authorized an online bill payment from Citizens Bank to pay my XXXX auto loan. On XX/XX/XXXX I received a phone call from XXXX loan dept stating that my loan payment was not received and I was charged a {$75.00} late fee. I called Citizens and stopped payment for the online bill payment check and was charged a {$35.00} stop/hold fee. I called XXXX loan dept back and paid them over the phone with a personal check # XXXX from my Citizens account. I filed a dispute with Citizens to retrieve the initial online bill payment funds in the amount of {$500.00}. On XXXX/XXXX/16 I received a letter from Citizens informing me that the investigation regarding my ACH dispute had concluded and my claim was found to be valid. The letter stated that my account would be permanently credited in the amount of {$500.00} ; and it was. The next day, XXXX XXXX, I received a letter from XXXX, the service provider for Citizens bank. XXXX stated that our payment obligation was to XXXX and not Citizens. I did not respond to this demand letter as it was dated after Citizens letter stating my claim was valid. On XXXX/XXXX/16 there was a miscellaneous charge Dda Debit to my account in the amount of {$500.00}. Citizens took the money back and they are refusing to work with us. They refuse to tell us who benefited from these funds. They refuse to show us a copy of the cashed check. They refuse to show us the endorsed back of the check. We did not benefit from this 'missing ' online check. We would like to have it researched to find out if it was cashed and who cashed it. We want our money back. Citizens stole our money. Additionally, I am not interested in working with XXXX. My relationship is with XXXX and they need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX accounts I found on my credit report. I have sent numerous letters since XXXX. XXXX out of XXXX accounts were removed. The other XXXX I have asked for hard proof of my signature to those accounts, or any validation in paper these accounts belong to me. And they can not come up with nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: Revenue Assurance Professionals LLC
State: TN
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  C  onsolidated Recovery Systems    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide by th e FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in   XX/XX/XXXX     and the false information is still showing on my credit reports under the first  XXXX  names listed : Date   XX/XX/XXXX     Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX  RE : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c. Th e Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, at approximately XXXX XXXX I logged into my Bank of America ( BofA ) account to pay my credit card. Even though my due date was not until XX/XX/XXXX, I wanted to get it done before the XXXX. After I review my account, I proceeded with the payment, received a confirmation of the payment on the screen, logged off, and moved forward to start my labor day weekend. In the meantime, I also confirmed some " no fraud '' activities that the bank was concerned about a few days ago. 

On XX/XX/XXXX, I received an email from my financial advisor that I'd been charged a late fee of {$25.00} from BofA. I logged back around XXXX am on XX/XX/XXXX, and I noticed that the payment I submitted on XX/XX/XXXX, was actually canceled without any explanation. I never received an email after I submitted the payment, that my payment was canceled, and was simply charged a {$25.00} late fee. 

I first called my financial institution ( XXXX XXXX XXXX ) to see if the problem was on their end, but they confirmed that everything is fine with my account. 

Shortly after I called BofA customer service and at first they did not know what was the problem, but immediately blamed me that I canceled the payment. When I asked to discuss this further with their managers, they kept shifting me to another person, who was reading a script to me about " the late fee is valid '' ; however, they could not find any written verbiage in their terms and condition that described my situation. After speaking with 4 different people, and never the manager, and spending XXXX and XXXX minutes on the phone, I was exhausted, and could not believe that we spent XXXX on the phone. 

In this case, I feel that my XXXX  been inappropriately taken without any further explanation, and I feel they stole from me. I have 8 credit cards and never had any issue with any financial institution before, and I feel BofA does not care about their customers, and can't believe they can take money from a customer account just like that.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
A lot of delinquencies I have closed are still on my report and it only shows on this account and not on the other other 2 bureaus

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DPT ED/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 2021-09-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days.

To date Shellpoint has not responded.

Today I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed XXXX in XXXX and graduated working in XXXX XXXX for XXXX for over 10 years. In XXXX I had to file a chapter XXXX which was to wipe out XXXX of student loan debt with payments however once that discharged I still owed the full amount plus interest to sallie Mae. This became navient and I filed for forgiveness in XXXX but was denied. Now I still owe XXXX after thirty years of payments. What gives? Ive bought and paid a dozen cars off in this same amount of time but cant get this debt to drop with faithful payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Exeter Finance Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 someone without my authorization ran my credit to get a car loan and I tried calling XXXX to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by someone pretending to be a government official. He unfortunately got {$2000.00} out of me. I did contact the bank with all the info, account number, amount etc. 
My bank said they contacted Wells Fargo and got no reply. They gave me a trace number but I am clueless as what I am to do with it. 
Please advise if you can.

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 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed complaint after complaint regarding TRANSUNION and its actually going on approximately a year without resolution and I can only see hiring an attorney in my near future. The last complaint filed returned a response to mail in ( mailing address included ) verification of my identity to UNFREEZE MY CREDIT ACCOUNT!!!!! I sent them 15! Pages of documentation proving my identity to stated address and Once Again, TRANSUNION just sent me a copy of my credit report! WHAT IS WRONG HERE? Next stop for TRANSUNION is to reimburse me for attorneys fees!

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 2015-04-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.

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 2021-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never gave you written consent to report anything on my credit report. I have tried to resolve this issue several times.

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