BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have contacted Transunion and XXXX for quite awhile but have had the same problem Transunion and XXXX will not add that I have XXXX XXXX XXXX on my account. They keep updating information from XXXX even though XXXX was paid off and XXXX  balance. XXXX XXXX XXXX has contacted them but they keep insisted that they keep XXXX on even though it have been 7 years that I have had XXXX on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only XXXX XXXX XXXX and to remove XXXX and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a {$2000.00} secured credit card with USAA since XX/XX/XXXXNo late payments & perfect payment record. In XX/XX/XXXXI was overwhelmed by debt & filed for bankruptcy. Unknown to me my USAA account was included in the Bankruptcy. Shortly after filing USAA sent me a letter stating that my account was now closed with them.
<P/>
I called them & asked what happens now. They told me that I owed them about {$700.00} and they would subtract that amount from the {$2000.00} credit on the account & send me a check for about {$1300.00}. I waited for this refund XXXX thru XXXX. On XX/XX/XXXX I called them & spoke to a rep named XXXX & I asked what the delay was in me getting my refund. I was told that the exact amount of my refund was {$1200.00} and I would receive it in 3-5 business days.
<P/>
That never happened & as of today XX/XX/XXXX it still has n't happened. I have made over 20 calls to USAA & spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. No results. In desperation I paid {$28.00} on XX/XX/XXXX to overnight the CEO of USAA, XXXX XXXX pleading for my money. I spoke to XXXX, XXXX, XXXX, XXXX & XXXX XXXX all from his office. XXXX assured me the " check was in the mail '' onXX/XX/XXXX. As of this date XX/XX/XXXXit has not arrived, nor do I expect it to. What a disgraceful outfit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a sales person from XXXX to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my XXXX credit card and not to charge it to my XXXX XXXX XXXX, which I had never used. XXXX collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my XXXX XXXX and that they should review their tapes. After that XXXX told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the XXXX credit card and not the XXXX XXXX, but they and threaten to report me to the credit bureau. When I spoke to XXXX sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( United Collection Bureau , Inc. ). Routinely I have {$75.00} per month automatically withdrawn from my account for the XXXX Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.

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 2017-06-05
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This regards flood insurance : All dates 2017 :  XX/XX/XXXX  Lender informed me flood insurance is required  XX/XX/XXXX  I initiated confirming with my insurance company about flood insurance  XX/XX/XXXX  After providing some information on the property, my insurance company determined the house is not in the flood zone and that insurance is not required.
 XX/XX/XXXX  Insurance company called lender informing then flood insurance in not required  XX/XX/XXXX  Supporting documents sent to Lender that insurance is not required  XX/XX/XXXX  Phone call to Lender to confirm they acknowledge previous information that insurance not required. I was informed they received info and were " looking into it '' XX/XX/XXXX No action taken by Lender, I purchased Flood insurance anyway from my insurance company for {$490.00} to avoid Lender starting their Lender Insurance at a cost of {$2400.00}. Send proof of insurance to Lender by fax and email.
 XX/XX/XXXX  Received call from Lender stating flood insurance is not required.
 XX/XX/XXXX  Received letter from Lender stating they were providing insurance for a cost of {$2400.00} and would be at my expense.
 XX/XX/XXXX  Send communication to lender demanding they acknowledge in writing that insurance is not required and cancel any insurance they have gotten for my loan See also attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I stopped at a gas station in XXXX and tried to use my Capital One XXXX card for {$44.00} charge. Attendant showed me his hand held device that said " no sale due to no online connection ''. I was forced to pay cash for the gas but was not provided a receipt-again because the hand held device that prints receipts was not working. Consequently my XXXX was charged for the purchase and I immediately disputed with Capital One and explained that no charge was authorized or signed for and no receipt was given. They have refused to remove the disputed fraudulent charge so I am asking for your help to resolve. Obviously I can not contact merchant as they give no info on the statement other than " XXXX XXXX ''. Please advise what I can do from here as I am not paying them for this fraudulent charge. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: NJ
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 explained numerous times that this BK reporting on only Experian for the last  XXXX  plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a  3rd p arty source because BK Courts do not give this information out because of consumer privacy laws.     I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas.      BK S tatus : Dismissed Date Filed/Reported :  XXXX /2011 this shows on my credit report Reference number :  XXXX  Closing Date :  XXXX / XXXX / 2011  Asset Amount : {$0.00} Court : US BKPT CT TN  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 2019-12-09
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-06-30
Company: CBC Companies, 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 is missing that should be on the report

Complaint:
I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I charged the amount of {$100.00} on my XXXX credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. XXXX reported my account to TransUnion as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called XXXX three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from XXXX asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to Trans Union to get resolution through them. 

When I looked into TransUnion, I noted that XXXX reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to TransUnion, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have continued to receive communications by e-mail for several payday loan companies saying I still owe money which I went through a payday loan relief company to payoff any that I did have and that has all been completed over 2 years ago. I feel as this whole scam of payday loans is unfortunately somehow allowed to continue as they probably figure that people forget and will probably give up and pay what they say. Also my husband and I went through bankruptcy which was completed last XX/XX/XXXX and there were some loans that were applied in the bankruptcy but the companies never pursued in a timely manner with the bankruptcy rules and then were not included. I must admit all of this is very confusing. The payday loan relief company we went through was XXXX XXXX XXXX, phone XXXX and at that time XXXX was the person handling our case. Everything was paid in this plan. XXXX had a Revocation of Authority to Contact Third Parties and if any companies tried to do this it is considered a violation of the Right to Financial Privacy Act, 12 USC 3401. Just as a note ; GOVERNMENT ACTION Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc.,  and Majestic Lake Financial , Inc. Case # XXXX <P/>The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. <P/>The case is currently pending. <P/>Thank you for reviewing my information :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I moved out of  XXXX    XXXX   XXXX   XXXX   in  XXXX  o f 2016. When moving out I completed a walk through with the apartment manager where she i  nformed me because I did not scrub the fridge out I would be required to pay for a cleaning company which would cost {$150.00} as well as {$5.00} for missing blind in the guest room. I agreed to these charges other than that the manager let me know the apartment lo oked great and wished me well. I later received a letter from  XXXX   XXXX  letting me they were charging me to replace carpet in the entire unit whi ch was 3 years old. They claimed I had destroyed the carpet by having an animal in the apartmen t which I did not own an animal. I sent them proof of the condition I left the apartment in and received via certified mail that they had received my dispute. I then received a letter from the apartment complex letting me know they did not agree and sent pictures of the apartment that again did not match the photos I had provided and did not warrant complete replacement of the carpet and I had filed numerous complaints with the apartment complex when I moved in and was dealing with my leasing agent,  XXXX . She claimed I would not be charged for the spotting in the guest room by the back patio as it was there when I moved in. I again submitted this information and I just recently found out that even though I was disputing the charges they reported to the credit company without responding.

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 2021-11-14
Company: CountryPlace Acceptance Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I closed on the sale of our property located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/2021. Our mortgage company for that property was CountryPlace Mortgage. I was informed that I would receive my escrow refund after approximately 20 days. I had not heard anything further from them [ CountryPlaceMortgage ] until I contacted them on XX/XX/2021. I was told that the escrow check had been approved on XX/XX/2021 and was supposed to have been mailed out to me soon after. As I had not received the check, I gave them my new mailing address and was told to call back had I not received it by XX/XX/2021. On XX/XX/2021 I called back as I had not received the check. I was informed that there had been no note in the system that a check had been cut as of the date and they would look into the matter and that I would hear back from them by the following Monday, XX/XX/2021. I did not receive a call, and on XX/XX/2021 I called back as I still had not received a check. I was then informed that there still was no note in the system that a check had been mailed, let alone been issued in my name. I was advised once again that I would hear something by COB XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: OH
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 contacted the company numerous times with no response just closed out complaints. The companys listed refused to remove the inquiries posted on my credit report after I requested proof for the negative remarks. 

The companys listed have multiple inquiries with different dates which is illegal alone and my information is being used without my consent. They also cant show proof that they validated any of the transactions used in my name to place these remarks on my report.

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 2017-06-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage loan  with Wells Fargo  in  XXXX , NC we have been in escrow for appro ximately 60 days from today. We asked for our documents to be sent to a new lender with a better rate. Wells Fargo stated they could not do so b/c a law went into effect as of 2008 when they changed the law indicating no lender to lender doc 's could be transferred. I checked with the new lender who states the doc 's could be sent. So now as of today wfargo has finally offered to lock in a rate of 4.785. This should have been done at the beginning of the loan process. I 'm still trying to obtain the documents for our own pu rposes. Also, after we were ready to move on with closing they now want an engineering report which was never disclosed to us.  <P/> Frustrated wfargo applicants,  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 2021-11-14
Company: OneMain Finance Corporation
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I havent applied for any credit w/ one main financial, it has caused derogatory impact on my cret

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, I have a chase credit card and I used the reward points to book travel in XX/XX/2020. I booked 5 tickets for 2 of us from US and 3 of my family members who were to visit to XXXX. But with Covid, the plans got canceled. 
Now with the situation in XXXX being so bad, their travel definitely will not materialise so I asked for refund only.on those 3 tickets. 
However, chase says that they will not give the points back. 
And I got this response after following up multiple times although I requested for points on those 3 tickets as it is something which happened due to pandemic. So I now have credits for those 5 tickets But chase is still saying that even if I want to book the tickets I have to go through Chase. I have been requesting to give credits to my account because those are my credits as I booked using my points. And given customer service has been so unresponsive I want to cancel my card with Chase after clearing off the balance and after I get my credits in my account so that I can use them later. 
But even after multiple messages team is not.responding and just saying we will get back. This is extremely frustrating and I had no other option than to complaint with a govt agency. Request.to help you out Thank you

Company response to consumer: Closed with non-monetary relief