BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Remove the fraudulent accounts from my credit 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 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021, I deposited a check to my Capital One 360 account via mobile deposit in the amount of {$430.00}. However, Capital One 360 accounts are designed in that whole dollar amounts must be deposited- no cents. 
I have had a Capital One 360 account for over 4 years. Because Capital One 360 Accounts are designed as online banking accounts, this is how they are set up. 
So if the cents is over {$0.00}, I typically round the check up to the next whole dollar amount. And if the cents of the check is lower than {$0.00}, I generally round down. So when I deposited the check in the amount of {$430.00} on XX/XX/2021, I rounded up and submitted the whole dollar amount of {$430.00}. 
Again, I have typically deposited checks this way for years. Suddenly, on Monday, XX/XX/2021, ALL of my Capital One accounts- in which I have 4 of them- were frozen. Upon realizing that my XXXX XXXX payment made on XX/XX/2021 was not withdrawn by XX/XX/2021, and my accounts were still frozen, I called Capital One. The first time, an agent said that there was a recording that I needed to listen to and forwarded my call to a recording that said to call back the next day. I immediately called back and an agent couldnt explain why all of my accounts were frozen. He said that the check cleared in the amount of {$430.00} but was submitted for {$430.00}. I explained to him that cents can not be deposited and I rounded up to {$430.00}, the next whole dollar amount, as I have always done. I told him that Ive had this account and deposited this way for over 4 years now, so I was perplexed as to why my accounts were frozen and no deposits could go in or money come out. He said that it was a system error. I voiced that I felt that I was being retaliated against for reporting my Capital One credit card for illegal activity in XX/XX/2021. Again, they could not explain why the check was flagged and ALL of my accounts were frozen ... for 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: SG and Associates
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification, Friday XX/XX/2022 from XXXX that a new collections account was added to my profile. The collections account is from a debt buying company I've never heard of, nor have I done any business with. The company is called : Company Name : Stafford Group & Associates Phone number : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX and Fax # XXXX Website : staffordga.com Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX I called the company immediately, after speaking with an XXXX representative ; there was no answer. On Monday, XX/XX/2022, I received a message from someone at Stafford Group & Associates by the name XXXX XXXX I returned the phone call, and things went downhill. The rep from Stafford Grp & Assoc was very rude, mean, and condescending. I asked to speak to someone above him and he would not transfer me to anyone. I then told him that what they were doing is complete fraud, and his response was " prove it ''.

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 2017-06-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan #  XXXX  Lende r : WF Address:  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   ,  MD  XXXX  I bought this unit and financed it with  XXXX   XXXX   .   Wachovia bo ught  XXXX   XXXX .  Wells Fargo used bailout money during the housing crisis to buy Wachovia. After acquiring Wachovia, WF called m e in  XXXX  claiming that I owed on the account and sent a bill of {$8000.00}. I disputed the bill, stating that the loan was pai d off. Wells Fargo asked me to make a payment arrangement while it researched my claim and that I would be refunded accordingly. In order not to injure my credit, I agreed. WF began drafting automatic payments from my account and suddenly stopped, referred the account to its lawyers to begin foreclosure. I threatened to sue them and their lawyers. Their lawyers withdrew. After a year, Wells Fargo hired another lawyer and claimed that I owed {$43000.00}. I asked for the result of the payoff research th at I requested in  XXXX . It was not until  XXXX  that  WF responded to that request, claiming it has no evidence of payoff. I asked WF why they stopped drafting payments and opted to hire a foreclosure lawyer. WF claimed in a letter that I filed ba nkruptcy in  XXXX  and it forced them to stop drafting payments. I challenged them to produce any evidence of me filing bankruptcy in  XXXX . I told them that the first time I ever filed bankruptcy in my life was in  XXXX  whe n Wells Fargo denied me loan modification on the ground that I had equity in my home and proceeded to foreclose my principal residence. I filed bankruptcy to stop it.    Because of medical issues and  XXXX   XXXX   XXXX  this was causing me, I offered to pay {$6000.00} and be done with this. In  XXXX   WF started again. I threatened to sue and report this to Congress. WF asked me not to and to improve my offer to resolve this. I offered {$10000.00}. More than a month not hearing from WF, I was told that it was referred to its lawyers for foreclosure, $ claiming {$60000.00} on the loan. This is how WF practices vulture capitalism and unmitigated extortion against me and other borrowers.

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 2017-06-13
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:
XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , MD  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I have been disputing  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  for over a year and to no avail they have not validated the debt that they are reporting to the CRA 's Experian and  XXXX .     I have received documentation that  XXXX   XXXX   XXXX  is now managing my account and they are soliciting information from me regarding the account to assist them with verifying and validating information they should already have.     It is also apparent that these companies are all entities of  XXXX   XXXX  and rotate the accounts around when they are demanded to validate it.     Correspondence letters that have been sent to me have inconsistent addresses and paperwork submitted as their version of verification.     I have also found that these companies have been suspended from collecting in the state of Maryland in which I reside. Proof will be in the attachments provided.      XXXX   XXXX  and  XXXX   XXXX ,  XXXX  need to be removed from my credit report managed by both Experian and  XXXX . Both of these CRA 's are in violation of FTC, FCRA, and FDCPA rules.

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 2022-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. As of todays date XXXX stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And Equifax is reporting a closed account XXXX XXXX. I would like help with removing these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Midwest Recovery Systems
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have never owed a debt to this company and they are harassing me. This is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan was serviced by ACS ( now Conduent ) until XX/XX/2017, at which time which it was transferred to XXXX. 

I need to get the complete payment/account history for my account for the time that it was serviced by ACS, but can not find a working phone number for ACS/Conduent. I am also unable to log in on their website.

I would also like to know if my account was affected in any way by the mismanagement of loans that took place while under the control of ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2017-06-13
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:
The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from 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 2020-06-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is 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 2022-09-13
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: Information belongs to someone else

Complaint:
-The original conversation with Transunion was initiated to remove an inaccurate inquiry on my credit report. 

-Transunion stated I was to contact the company ( XXXXXXXX XXXX XXXX XXXX reached out to XXXXXXXX XXXX and advised them of the concern and inaccuracy, mistaken or fraudulent inquiry of my credit account. 

-After a 23-minute call to them, reaching a live person and giving my full name and the last 4 of my SSN. I was advised that I don't have an acct with them nor do they have any inquiries pertaining to my information provided. 

- XXXX XXXX  advised me to contact Transunion again to dispute and challenge the inaccurate information. 

-Additional call to TransUnion was conducted and I was advised the second time after exspressing my prior conversation with XXXXXXXX XXXX with them, to call CFPB to file a complaint. 

-now I'm filing a complaint and would appreciate the removal of the inaccurate inquiry of my credit report. on XX/XX/2022. 

Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were suppose to close on our mortgage on XX/XX/2019. I arrived at the XXXX  XXXX XXXX XXXX  XXXX at XXXX. At that time I was informed that XXXX XXXX ( XXXX XXXX  XXXX XXXX ) did not send the package yet. At XXXX, I sent an email to XXXX asking why she has not sent the package yet. 

Her response to me was very rude and she threatened me and my wife. I had nothing but email communication with her but she never told us the amount we needed to bring to closing. I have always been nice to her due that I was taught never bite the hand that gives you money. This email made my wife cry and I have been unable to sleep wondering what happened. I will attach the email to this complaint to prove how rude she was. She even threatened to retract the loan right on the closing date??

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: CA
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  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXXXXXX XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  has violated my rights, Account # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I searched for and purchased an XXXX XXXX XXXX from XXXX He used XXXX dor his business host, and Pay Pal to defraud me. <P/>The price was {$190.00}, and a supposed promotion for the grand opening of his new online store. <P/>I received a confirmation of order and a request to pay. Because the company was in XXXX, I chose to use Pay Pal as they are ALLEGEDLY more secure and you have fraud protection. The seller sent me an email with the email to use for the Pay Pail payment, and I did. <P/>The product was updated to " awaiting shipment, '' but was never shipped. NOW the business page is down, XXXX XXXX has been useless, and Pay Pal even more so. <P/>I have TRIED to file complaints and Disputes, but have had no luck with either. <P/>The seller used two emails. One was XXXX and the other was XXXX His web page was XXXX Neither XXXX nor PayPal will provide me with any more information with which to track down the seller. <P/>The funds came from funds held in my PayPal account. <P/>I have saved all correspondence from the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My Chase Sapphire Preferred card had 2 promotional offers for XXXX XXXX that I had tried to take advantage of. One was for 15 % cash back and another for 5 % cash back. I had tried to claim these offers through Chase 's IOS app both times and had problems several times. After the purchase I noticed that they still were not marked as claimed. So I tried to claim it again and it finally worked. Chase then said they would not honor the offer because the offer was claimed after the purchase. I have been through 8+ hours of calls and have talked to 20+ people. Every person has something different they tell me. I have been told twice now that it was taken care of and would be in my account in a few days. Both of those times when I call back they can not find record of me ever calling.

Company response to consumer: Closed with explanation