BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: Source Receivables Management LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.

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 2022-01-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a {$500.00} Vanilla Visa gift card from a grocery store on XX/XX/XXXX, within 24 hours, a fraudulent charge of {$440.00} was charged on the gift card. It was used in a store in another city. I called the company ( Incomm Financial Services ) on XX/XX/XXXX and got a case number : XXXX. After I submitted all the required form to XXXX I was told to wait 45-90 days. 

The only communication I received for my case so far is below on XX/XX/XXXX after I inquired about a case update on XX/XX/XXXX " Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date ( XX/XX/XXXX ), however, most are resolved before then ''. 

They do not see to care about the inconvenience they caused to consumers. I do not believe the card packaging was tampered with when I bought it. This looks most likely as an insider job due to their failure to protect their backend system. 

It has been 2.5 months and I do not have any update on my case which is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed bankruptcy in XXXX. My mortgage with Wells Fargo was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from Wells Fargo and a Certificate of Satisfaction letter for this loan. 
Wells Fargo, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( {$130000.00} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.

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 2022-01-26
Company: Experian Information Solutions 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:
Hello I am having an issue with XXXX XXXX and Experian. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.

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 2017-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking/debit account on friday, XX/XX/XXXX. I deposited my paycheck of {$270.00}. I was told the funds would be available XXXX on the XX/XX/XXXX, the next business day. The mobile app gave the same info. On the morning of the XX/XX/XXXX, my balance still showed {$0.00}. I went to the branch. The first represantitives answer was basically, 'if you do n't like it close the account. ' VERY helpful. The second rep I spoke with was the woman who I opened the account with. She now informs me there 's a 1 week hold on all my funds. She tells me this is normal procedure. That 's not what she told me the day before. Now according to their app, my check was cleared and the funds made available and instantly froze my account for 7 days. Now I have no money, have no paycheck, and am left with the burden of traveling to work for a week with no money, food or gas. Their underhanded tactics and lies are going to cost me my job.

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 2017-07-22
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicing company adjusted my monthly payment. This was based on changes to my escrow, but their analysis was wildly inaccurate, indicating amounts not associated with my loan. I called them three times to have them re-run the analysis, to ensure that my payments would be accurately addressed. ( I was concerned, because they showed I would be paying LESS escrow, despite the fact that my taxes and insurance had gone up a little bit. ) On the second call, they indicated that they would conduct another analysis. As my payment date approached, I was concerned that my payment amount had not adjusted online ( on their website ), and that no new analysis forms were added to my account. I called them a third time, at which point they indicated that they would not run another analysis, despite the inaccurate analysis previously run. At this point, I am looking to see if someone else can service my mortgage and reaching out to CFPB, to ensure that I can accurately understand my mortgage payments.

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 2020-04-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX ct Opened XX/XX/2017 Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is ( 2 ) hard inquiries that was placed on my credit report that was for XXXX  Card that were made on XX/XX/XXXX and XX/XX/XXXX to XXXX  Card| XXXX XXXX DE XXXX. 

I was XXXX  when these inquiries were made and I was not XXXX  until XX/XX/XXXX. I did not have access to the internet and was not able to apply for this credit card.

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 2022-01-26
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:
Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, Equifax, and XXXX they're reporting XXXX XXXX accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: CITIBANK, N.A.
State: NY
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:
I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent practices.

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 2017-07-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a company called XXXX for pay advances and they are telling me that you are not working with them to let them know the info needed to process my advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/2017 I was charged {$500.00} and {$370.00} from XXXX XXXX XXXX in XXXX XXXX Florida and i disputed the charges. I disputed in terms of non received the service from the bussiness. After i filed the dispute Bank of America Denied it, the customer service reps were very rude and said that there is nothing they can do. They send me a denial letter of just two sentences.

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 2020-10-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the 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 explanation
Consumer complaint received 2022-01-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MR COOPER Payoff wire to Mr. Cooper XXXX {$320000.00} - The amount sent was mistakenly a typo error and should have been for $ XXXX short by {$9000.00} from the title company. 

On XX/XX/XXXX a representative from Mr. Cooper contacted XXXX XXXX XXXX regarding the {$9000.00} shortage, this was confirmed and XXXX XXXX XXXX immediately sent a second - Payoff wire {$9000.00} to Mr. Cooper XXXX XXXX. The second wire referenced the loan number and all information used for the wire on XXXX. 

By conversation with a representative from Mr. Cooper we understand the remaining funds in our escrow account over {$9000.00} were used to close the account. The {$9000.00} wire was never applied to our account. As of today XX/XX/XXXX, {$9000.00} sent to Mr. Cooper on XXXX is still unaccounted for. XXXX XXXX nor XXXX XXXX XXXX has not received back the {$9000.00} sent on XX/XX/XXXX. 
We have called Mr. Cooper several times and filed a dispute with them to help to locate these funds and return them to either XXXX XXXX XXXX or to send to us as they are due to us immediately. We are owed our escrow funds back of {$9000.00} and still the no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have gotten back on my feet from a 3 month medical injury. I have faithfully made payments on my Wells Fargo Credit card throughout this time. Unfortunately, because I was unable to work I had to use my credit card from Wells Fargo for other expenses. Now my payments have gone up to XXXX a month which is okay, but last month I could only afford to make a XXXX payment. They are charging me this month XXXX. This XXXX is : XXXX I was remiss last month plus the XXXX I owe and a XXXX late fee. This is ridiculous because they are charging me double interest as a late fee. Can you help me?

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 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions 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:
XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was re-locating from Indiana to Florida. I had to break my lease a couple of months early. I spoke with the leasing agent of the apartment complex and made an arrangement to pay the remaining balance due on the apartment. I was not aware that the apartment complex went ahead and sent this account to collections until I obtained a copy of my credit report. The amount they are reporting is false and this account should never have gone to collections in the first place. XXXX has deleted this line item from my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have been unsuccessful.

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 2022-01-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and noticed fraudulent inquires. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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