BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: CARD Corporation
State: NY
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:
On XX/XX/2021 i received an email from card.com that there was XXXX atm balance inquiries and XXXX atm withdrawals in the amount of {$400.00} and {$160.00}. I did not authorize these transactions and was at home with my card in had when this occurred XXXX minutes away from the atm that i have never visited. I filed a dispute within XXXX minutes of receiving this email alert and was told that it was denied due to the pin being memorized. Upon further investigation on my end as i KNOW it was fraud, i found there could have been a card skimmer that read my card number and pin and created a new card to withdraw funds. I have never used an atm balance inquiry as it costs {$0.00} and i have the app that tells me my balance, let alone 4 times in a row. I was told by card.com to email in supporting documents which i did. I provided my time clock proving i was at work at the time, proof i have been working from home, as well as a map from my home to the atm that there is no way i could have done this. They still denied my dispute. I am unable to speak with the fraud department and their customer service gives no answers or solutions and just shrugs their shoulders at the whole thing. I asked to have the atm camera looked at so they can see it wasnt me and allow me to file a police report, i was told it was " above their paygrade. '' They are not protecting my finances at all. I refuse to let someone steal almost {$600.00} from me while i am a mother of XXXX working non stop through the pandemic and that is a lot of money for me to lose, let alone not be able to fight to get back. Upon further investigation, this has happened to numerous other people as well after i filed a complaint through the XXXX. I would like this investigated and to be able to recoup the money that was stolen from me as this is bad business practice and unfair to a hard working member of society.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have reached out to our mortgage for help only to be lied to and denied help. We are eligible for a loan modification and are still being denied. We also are eligible for a forebearance or repayment plan which we are also being denied.

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 2017-09-08
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:
Equifax was hacked, and according to their website, my data may have been compromised. I 've tried calling them ( today, on X/X/2017 ), but have been unable to get through. They 've signed me up for a slot to apply for their one-year credit protection, but the hackers have data that could affect me for the rest of my life. One year is not long enough. Additionally, they discovered this hack in XX/XX/XXXX, and I 'm only hearing about it now in XX/XX/XXXX. This is all unacceptable, and this company needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
015. Americollect INC Americollect INC has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX XXXX of Indiana to whom they state i have no outstanding balance to due insyrance has paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: AMERINATIONAL COMMUNITY SERVICES, 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:
AmeriNational is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

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 2022-02-11
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a letter to credit bureau that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunately, credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of this investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent.

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the info from the reports including complete removal of the 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 non-monetary relief
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A month ago I put requested a fraud alert removed from my credit with Experian XXXX, and XXXX. They have yet to do do. I need a car and my credit cant be pulled.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.

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 2019-07-31
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are currently in escrow on a property and this lien holder is the 2nd deed of trust. The property has short sale approval from the 1st lien holder. If the escrow doesn't close then the property will be foreclosed on and the second lien holder will get nothing. We are requesting that they reduce the current settlement amount of {$25000.00} as the 1st lien holder will only pay {$6000.00} towards a second lien holder. The borrower is deceased so there will be no other way for this 2nd lien holder to recover money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this account XXXX is paid in full the original date it was past due makes it told old to report on my credit I have asked before for a full payment history my contract and the letter of assignment

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
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: NY
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 have these accounts that are not mine and i want them to be removed. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine.

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 2022-07-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Bank ERRONEOUSLY charged me a " lender placed '' Hazard insurance premium in the amount of {$3800.00}. 

After receiving letters from Truist asserting that I had no insurance on my home from XX/XX/XXXX - XX/XX/XXXX, I contacted Truist and spoke with 2 representatives ( 1 call was on XX/XX/XXXX & the other call was in XXXX XXXX ) trying to clear up this error. On both occasions, the reps conferenced in XXXX XXXX and were told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. On both occasions the XXXX XXXX reps sent declaration pages as proof to Truist. 

After speaking with a Truist rep on XX/XX/XXXX, I sent an email to Truist providing all the documentation Truist needs to resolve this issue to ( XXXX ) and attached the following documents : - XXXX XXXX declaration pages- PROVING I had insurance from XX/XX/XXXX through XX/XX/XXXX - XXXX XXXX declaration pages - showing new coverage from XX/XX/XXXX through XX/XX/XXXX ( Date issued XX/XX/XXXX ) - Recent charges from my Truist account showing the erroneous charge of {$3800.00} I spoke to a third Truist rep on XX/XX/XXXX and was advised my email was received on XX/XX/XXXX, but the only attachment that was uploaded in the Truist system was the XXXX XXXX declaration pages showing new coverage from XX/XX/XXXX XXXX. The other 2 attachments were not uploaded. When I explained the issue ( yet, again ) the Truist rep conferenced in XXXX XXXX and was told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. The Truist rep requested the XXXX XXXX rep send proof to Truist. I was told to wait another 5-7 days for the proof to be received and processed. Why should I believe waiting another 5-7 days a third time will get me results the first 2 times did not? 

I have wasted 45 minutes per call a total of 3 times contacting Truist to get this resolved and I am done wasting my time. I am not sure if the issue is because my original mortgage was with BB & T and Truist assumed those mortgage loans, nor do I care. 

I have attached XXXX XXXX Declaration pages proving I had insurance from XX/XX/XXXX through XX/XX/XXXX and recent charges from my Truist account showing the erroneous charge of {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2017-09-08
Company: EQUIFAX, INC.
State: AK
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: MD
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 wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report where physical verification needs to be sent to me.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested my telephone # be added to my credit file, it has not been added as of today. To date I have not received physical proof validating for the requests made. Experian, did however mail me a copy of my credit report dated XX/XX/XXXX-19 showing some incorrect addresses were deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I paid off Wells Fargo over 50 % of my debt on the CC. I missed one payment and they put back all of the late charges they took off so I ended up owing just as much as before I sent them my tax return. Then one day they called me from 6 different numbers and I after I tried to talk to them they said they couldnt work out a deal and they wanted to hurt my credit. I then hired Contacted an attorney who I never heard from either but Wells Fargo says I owe them XXXX $ and I paid them at least XXXX $ of that twice.

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